Est. for hardship relief · United Kingdom
Vol. I · Interest-free since day one
A UK non-profit offering two things to people in hardship — interest-free loans up to £50,000 and non-repayable financial support up to £10,000. No interest. No fees. No judgement — ever.
0%
Interest charged — on every loan, always.
£50k
Maximum interest-free loan, repayable over 6–36 months.
£10k
Maximum non-repayable financial support, per household.
UK
Residents — across all four nations.
Plate I · A door, a moment
Most hardship arrives in the smallest moments — a letter that won't be opened, a bill on the wrong week, a knock at the door you weren't expecting.
We exist for those moments. Not the catastrophes — the small, quiet, costly ones that everyone walks through eventually.
§ I · Our purpose
We believe no one should pay interest to recover from a hard month, a hospital bill, or a missed rent cheque. So we built something different — a community of lenders, donors and partners that puts money back where it's needed, then waits for it to come back.
A non-profit. Run by trustees. Funded by donations & repayments.
§ II · Two ways we help
After your application is reviewed, a caseworker will discuss with you which of the two best matches your circumstances. Sometimes the answer is a blend of both. You never have to choose between them at the application stage.
Option A
Repayable
Up to £50,000
When you can repay over time.
Borrowed at 0%. Repaid in monthly amounts you choose, over six to thirty-six months. The amount you borrow is the exact amount you repay — to the penny.
Option B
Non-repayable
Up to £10,000
When repayment is not possible.
A non-repayable grant for households in deepest hardship, awarded after the same eligibility process as a loan. You do not pay it back. There is nothing to sign beyond a confirmation of receipt.
Both products go through the same kind, plain-English application process. You are not penalised for applying for one and being offered the other — many of our cases combine a smaller grant with a longer loan.
§ III · What we help with
We support individuals — not businesses. If your situation doesn't fit neatly into one box, get in touch anyway. We read every application.
01
When something happens that you can't put off.
A broken boiler in January. A funeral. An unexpected travel cost to be at a loved one's bedside. Short-notice expenses that would otherwise force a high-interest loan or a missed essential.
Typical
£200 – £4,000
02
A bridge — not a trap.
Help with rent shortfalls, deposits for a safer home, or a one-off arrears clearance to prevent eviction. We work alongside your landlord, council or housing officer when needed.
Typical
£500 – £8,000
03
Costs that get in the way of learning.
Tuition top-ups, examination fees, equipment, uniforms, course materials, professional certifications. For school-age children, adult learners, and people retraining for new work.
Typical
£150 – £8,000
04
When the NHS doesn't cover it.
Dental work, prescription costs, mobility aids, specialist treatment not available on the NHS, or travel and accommodation for treatment far from home. We never replace urgent NHS care — we sit beside it.
Typical
£200 – £15,000
05
Replace what is costing you. Pay back what isn't.
We can consolidate high-interest debt — payday loans, credit cards, doorstep lending — into a single interest-free repayment. Assessed alongside free, independent debt advice.
Typical
£500 – £25,000
06
For the costs of caring for the people you love.
Childcare during a job search, costs of becoming a kinship carer, support after a separation, baby essentials, or help during parental leave gaps.
Typical
£200 – £3,000
07
Dignity in later life.
Home adaptations, mobility equipment, heating bills during cold months, support for unpaid carers, and help with the costs of living alone. We will visit you at home where that is easier.
Typical
£200 – £15,000
Not sure where you fit? We will help you work it out.
Talk to a caseworker§ IV · Where we work
We support applicants anywhere in the United Kingdom — England, Scotland, Wales and Northern Ireland. Documents and identity checks accept addresses from any UK postcode, and our caseworkers offer phone, video and in-person appointments at drop-in surgeries hosted by partner organisations.
§ V · The process
From the moment you submit your application, every stage is documented in writing. You always know where you stand and what happens next.
Read the full process01
About 20 minutes · Online or by phone
Tell us who you are, what you need, and roughly your situation. There is no credit check at this stage. If filling forms is hard for you, a caseworker will complete it with you over the phone.
02
Within 5 working days
A caseworker reads your application carefully and checks UK residency, basic eligibility, and whether what you are asking for is something we can help with. You will hear from us either way.
03
30–45 minutes · Video, phone or in person
A short, plain-language conversation — not an interrogation. We confirm the documents you uploaded, talk through your repayment comfort, and check if free debt advice would help alongside us.
04
Decision in 2 working days
If approved, you receive a clear, written agreement: the amount, repayment schedule, and confirmation in writing that there is no interest, no fees and no charges of any kind.
05
Repayment terms 6–36 months
Funds are usually with you within 3 working days of signing. Repay by standing order in amounts that suit your budget. If your circumstances change, you talk to us — we pause, never penalise.
§ VI · A simple tool
Our loan calculator shows your monthly amount over a repayment term you choose — anywhere from 6 to 36 months. There is no APR because there is no interest. There is no comparison rate because there are no fees.
Example
£2,400
borrowed over 24 months
Repayment
£100 / month
Total to repay: £2,400
§ VII · Stand with us
Donate
Every £1 you donate is loaned, repaid, and loaned again. On average each pound supports three households across its lifetime. Eligible for Gift Aid — adding 25% at no cost to you.
Make a donation
Partner
Councils, housing associations, GP surgeries, schools, community centres and charities can refer people to us directly. We will train your team and respond inside five working days.
Partner with us
A note for anyone reading
If you are reading this in a difficult moment — please know that asking for help is not a failing. It is the most ordinary thing in the world. Whatever happens next, you will be spoken to by a human, in plain English, with no judgement of how you got here.