Debt and financial problems

Bradford District Credit Union

Bradford District Credit Union

Bradford District Credit Union's vision is:

  • To be well known locally, serving the District for responsible savings, budgeting and lending.
  • To be a viable alternative to high street bankers and other high interest lenders.
  • To expand membership and services in a sustainable way, inclusive of financially excluded communities.
  • To be a modern and ethical credit union that encourages savings, budgeting and lending for the future to members.

Our office is in City Hall Bradford or online at or email

We’re here for anyone who lives or works within Bradford District.

We ask you to save £3 per week as a minimum or £1 per week if you are unwaged.

You can make payments using our online service or by Standing Order, Payroll deduction, cash or Paypoint. We can now also accept savings via Benefit payments.

Jam Jar Debit Card

We have a 'Jam Jar' card that allows you to budget your benefits through a handy app to split your monthly credit into electronic folders to ensure money lasts the month. It's only open to Credit Union members, is incredibly useful in budgeting and cannot go overdrawn! 


We have ‘Jargon Buster’ workshop that explains common banking and lending terms that people often get caught out over from understanding APR, to Pay-Day lenders, ask for details.

Incommunities £10 Voucher

Incommunities provide a £10 incentive for their tenants opening Credit Union accounts. 

Faith Friendly

We are 'Faith Friendly' as we do not pay interest on savings but rather any surplus is given back to members in the form of a dividend. Surplus is what is left over once running costs have been taken off and some money has been put into reserves.


Email address:

Telephone: 01274 434100

Address: City Hall Reception, BD1 1HY

The Money Advice Service

the Money Advice Service

The Money Advice Service is a service set up by government to offer free and impartial money advice via the following options:

  • Advice and guides to help improve your finances
  • Tools and calculators to help keep track and plan ahead
  • Support over the phone and online


Telephone: 0800 138 7777

Money Manager for Universal Credit claimants: 

Bradford & Airedale Citizens Advice Bureau (CAB)

Offers a free, confidential, independent and reliable advice line. CAB also provides drop-in sessions and appointments across the district about all types of problems. Please have details of your debts ready (who you owe and how much) when you call. You can also ring any time and leave a message.


Telephone: 01274 758047 (03442 451282 for non-debt enquiries)

Turn 2 Us

Turn 2 Us is a national charity that helps people in financial hardship gain access to welfare benefits, charitable grants and support services. The website includes a benefit calculator and 'grant search' tools which finds local charities in the area.