Seeking Support: A Guide to Money Advice Helplines in the UK

Financial distress can overwhelm the best of us. Whether you’re grappling with debt, struggling to manage your budget, or seeking advice on financial products, it’s important to know that help is just a phone call away. Here’s a comprehensive guide to the top money advice helplines available to UK residents as of 2025, designed to give you the support you need to navigate through financial challenges.

National Debtline

National Debtline offers free, confidential and independent advice on how to deal with debt problems. By contacting their helpline, you can speak to expert advisers who understand the ins and outs of UK debt solutions and can help you tailor a plan to your personal circumstances. They also provide practical self-help packs that are readily available online.

Actionable Tip: Before calling, gather all your financial documents — such as bills, credit statements, and any previous correspondence regarding your debt — so you can have all pertinent information at your fingertips.

StepChange Debt Charity

StepChange Debt Charity is renowned for providing expert debt advice and budgeting help via their phone service. They can help you work out a manageable budget and explain the range of debt relief options that may be available to you, from debt management plans to insolvency advice.

Actionable Tip: Utilize StepChange’s online debt remedy tool before you call. This tool can help you analyze your financial situation and provides customized advice, which can be a great starting point for your conversation with their advisers.

MoneyHelper

Organized by the UK government, MoneyHelper offers free and impartial money advice, set up to help people manage their money better. They provide help over the phone, through online chats and via WhatsApp. Services range from advice on debt and borrowing to savings and pension information.

Actionable Tip: Check out their extensive collection of online guides and calculators before making the call. These resources can help you to understand your financial issues more clearly and make the most out of the advice session.

Citizens Advice

The Citizens Advice network offers a diverse range of information and services, including free guidance on financial matters. You can visit their website to find your nearest bureau and get advice in person, or use their phone service to discuss your financial concerns directly.

Actionable Tip: Prepare a list of questions or concerns you have before you call or visit. This will help ensure that you cover all your bases during the discussion and leave with the information you need.

Business Debtline

If you are a business owner facing financial difficulties, the Business Debtline can provide tailored support. They understand the unique challenges faced by businesses and offer free advice on how to handle debts and other financial obligations.

Actionable Tip: Be ready to explain not just your current financial situation but also your business structure and any specific operational challenges you are facing. This detail allows for more tailored advice.

Conclusion

During challenging financial times, it’s crucial not to suffer in silence. By reaching out to any of these free, reliable money advice helplines, you can find non-judgmental support and practical steps that can help guide you towards financial stability. Remember, taking the first step by asking for help is often the most crucial part of managing and overcoming financial difficulties.

For more insightful advice on managing your finances, be sure to follow our blog at Debt Despair.