Times are hard, and they are getting harder. Here at Innisfree we would implore you not to use loan sharks or payday loans.

An alternative is credit unions, they are a different kind of bank. They make it simple to borrow at low rates, and to build savings for the future. As a credit union, they are not‑for‑profit, and exist to serve the community.

As a member of a credit union, you would own part of the credit union through your shares. The members own, control, and administer the Society (the credit union).

Because you are a member and partial owner, the credit union works for you. You would have access to ethical and affordable loans and more financial advice as to which loan product is best for you.

You can join at the same time as you apply for a loan or savings account. To find out more about your local credit union go to London Mutual Credit Union | Convenient Savings and Affordable Loans or call 020 3773 1751.