Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk. ** COVID-19 considerations before applying ** With the profound changes to day to day life which are occurring at this time, please consider all details of your application carefully before applying. This should include your current income and expenditure and & possible future changes, to ensure this loan is, and will be, affordable and changes will not affect your ability to repay this loan.