Please be aware that services listed on this tool may be disrupted or experiencing longer wait times due to recent government guidance regarding COVID-19. Face-to-face and local services in particular are likely to be affected. Please see below for more details.

Where to get free debt advice in Belfast

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available in Belfast and across the UK, you can find help in a way that’s best for you.

How will a debt adviser help you?

A debt adviser will:

  • never judge you or make you feel bad about your situation
  • always be happy to talk to you, however big or small your problem might be
  • find ways to manage your debts even if you think you have no spare money
  • suggest ways to deal with debts that you might not know about.

Did you know?

Most people who have got debt advice tell us they feel less stressed or anxious and more in control of their life again

On this page you can find:

All of the services below are free, confidential and hold a standard or membership code accredited by the Money and Pensions Service.

Face-to-face and local services

Search for a debt advice service near you. You can then set up a face-to-face appointment and speak to an expert adviser in person.

Where shown, some local services can also provide debt advice by phone.

29 results for “belfast
  • CAP Belfast South and West Debt Centre

    0.85 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • East Belfast Independent Advice Centre (EBIAC)

    0.87 miles
  • Springfield Charitable Association (SCA)

    0.94 miles
  • CAP Belfast Central Debt Centre

    1.09 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • Southcity Resource and Development Centre

    1.12 miles
  • The Vine Centre

    1.15 miles
  • CAP Belfast East Debt Centre

    2.15 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • CAP Belfast Finaghy Debt Centre

    3.57 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • Community Advice Antrim & Newtownabbey (CAAN) - Newtownabbey Office

    4.69 miles
  • Community Advice Ards and North Down - Holywood Office

    4.83 miles
  • CAP Belfast North and Newtownabbey Debt Centre

    6.02 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • CAP Carrickfergus Debt Centre

    7.23 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • Community Advice Lisburn and Castlereagh

    7.41 miles
  • CAP Lisburn Debt Centre

    7.42 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • Community Advice Lisburn and Castlereagh- Bridge Street

    7.49 miles
  • Community Advice Ards and North Down - Ards Office

    9.48 miles
  • Mid & East Antrim Community Advice Services (MEACAS) - Carrickfergus Office

    9.58 miles
  • CAP Bangor NI Debt Centre

    11.65 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • CAP Antrim Debt Centre

    13.09 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • Community Advice Antrim & Newtownabbey (CAAN) - Antrim Office

    13.33 miles
  • CAP Mid Down Debt Centre

    15.59 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • CAP Lurgan Debt Centre

    16.12 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • Mid & East Antrim Community Advice Services (MEACAS) - Larne Office

    17.95 miles
  • CAP Larne Debt Centre

    18.66 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • Community Advice Craigavon - Mount Zion Office

    18.77 miles
  • Community Advice Newry Mourne & Down - Downpatrick Office

    21.39 miles
  • Community Advice Banbridge

    21.88 miles
  • CAP Ballymena Debt Centre

    23.33 miles

    We are a charity that provides free face to face debt advice in your own home, with ongoing support available by telephone. Give our friendly team a call on 0800 328 0006 or visit capuk.org to find out more.

  • Community Advice Craigavon

    23.85 miles

Online debt advice services

Online services are secure and you can get immediate, personalised help. Some services are available 24 hours a day.

  • StepChange Debt Charity

    • www.stepchange.org
    • Our online advice tool has helped over 1.7m people. Create a budget and get a personal action plan with practical next steps. Get free help from the UK's leading debt charity

    National Debtline

  • PayPlan

    • www.payplan.com
    • PayPlan's online debt solution tool, PlanFinder, can give you a personalised debt solution in as little as 15 minutes. They also offer free live chat and email support for immediate help.

    Financial Wellness Group

    • www.financialwellnessgroup.co.uk
    • Financial Wellness Group provides free advice and solutions for people struggling with money, debt and budgeting. We have 27+ years experience supporting people to find a route to become debt free

Telephone debt advice services

You can speak directly with an expert adviser. Telephone services are usually available weekdays, evenings and Saturdays.

  • National Debtline

    • www.nationaldebtline.org
    • 0808 808 4000
    • National Debtline has helped millions of people with their debts. They'll talk you through options and give clear advice on how to take back control.

    PayPlan

    • www.payplan.com
    • 0800 280 2816
    • PayPlan's supportive, non-judgemental team of advisers help thousands of people beat their debts every year, and treat all of their calls with the strictest confidence.

  • Financial Wellness Group

    • www.financialwellnessgroup.co.uk
    • 0161 518 8285
    • Financial Wellness Group provides free advice and solutions for people struggling with money, debt and budgeting. We have 27+ years experience supporting people to find a route to become debt free

    StepChange Debt Charity

    • www.stepchange.org.uk
    • 0800 138 1111
    • Call the UK's leading debt charity. We help change the lives of thousands of people every week. Get free, confidential advice and practical solutions to help you deal with your debts.

  • Debt Advice Foundation

    Money Adviser Network

  • Youth Legal and Resource Centre

If you are self-employed or run a small business and have personal or business debts, contact the free advice service in your area: Business Debtline (England and Wales), Business Debtline (Scotland) or Advice NI Business Debt Service (Northern Ireland).

Spotted an error? Let us know.

While we try to ensure this information is accurate and up to date, we cannot be responsible for any inaccuracies in the information. The MoneyHelper takes no responsibility and is not liable for any advice given by third parties.