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• How to apply for Universal Credit

  Find out how to apply for Universal Credit online. Find out more about the questions you need to answer, your ‘to-do list’ and the next steps.

• Home credit (Doorstep loans)

  Information about what home credit is, checking whether a home credit lender is licensed and how to compare home credit loans products.

• Getting the best credit deal

  Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whether you can afford the repayments.

• The costs and charges of credit cards

  Information about interest and other charges, which may be incurred when using your credit card, including charges when buying things abroad, or for missed payments.

• How Universal Credit is paid

  Find out how Universal Credit is paid. You'll usually get a single payment every month paid directly into your bank, building society or credit union account.

• Switching from prepayment to paying by credit

  Replace your prepayment meter or switch your smart meter over so you pay for energy after you use it instead of paying in advance

• Before you apply for Universal Credit

  Information for before you apply for Universal Credit. Find out more about what Universal Credit is, check if you're eligible and how it's paid.

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission.