If you are worried about your level of household debt (personal, unsecured debts), we may be able to offer some support.

At the very least, we will be able to signpost you to an expert debt advice organisation (regulated by the Financial Conduct Authority), who will look at your individual circumstances and offer tailored advice to your situationPlease be aware that if you are serving clergy, some debt solutions may affect your position within your PCC (eg bankruptcy and debt relief orders).

If you are thinking of applying for debt support please contact us in total confidence on 0800 389 5192, grants@clergysupport.org.uk or contact form.

Check your eligibility

CMCU restructuring loans

If you meet our eligibility criteria and need support to address your debt problem, we and our partner the Churches Mutual Credit Union (CMCU) may be able to help.

If you have personal unsecured debts between £5,000 and £20,000, we could consider a grant of up to £5,000, disbursed to you annually through CMCU over a maximum of five years. This would be conditional on your setting up a CMCU restructuring loan and meeting the agreed repayment schedule.

Please contact a member of the grants team to discuss your situation in confidence before you make an application. 

For all debt grant applications:

  • We are unable to consider contributing towards debts accrued prior to ordination.
  • We are only able to help with debt grants once, per household.
  • We would expect all debt applicants to have modest or no savings.
  • We are only able to consider personal unsecured debts (bank loans, credit cards, store cards, overdrafts, commercial loans and car loans).
  • We are unable to contribute towards debts for home or rental purchase, home improvement or maintenance, funding children through school / university, student loans, trading or running a business, legal fees or loans from family or friends.
  • If you own more than one property it is unlikely you would qualify for a debt grant.
  • If you were successful in receiving a grant, it would be on condition that you could only apply for emergency, wellbeing and health grants while receiving your debt grant (ie you would not be able to apply for a financial support grant - with the exception of funeral costs - during this time).

Grants towards debt management plans

If you meet our eligibility criteria and need support to address your debt problem, we and our partner StepChange Debt Charity may be able to help.

If you have personal unsecured debts over £20,000, we could consider a grant of up to 50% of the debt, up to a maximum of £10,000. This would be conditional on your obtaining confidential debt advice from StepChange Debt Charity, setting up a debt solution (eg a debt management plan) and meeting these repayments. Any grant approved would be paid towards settling outstanding debts, via StepChange.

Please contact a member of the grants team to discuss your situation in confidence before you make an application. 

For all debt grant applications:

  • We are unable to consider contributing towards debts accrued prior to ordination.
  • We are only able to help with debt grants once, per household.
  • We would expect all debt applicants to have modest or no savings.
  • We are only able to consider personal unsecured debts (bank loans, credit cards, store cards, overdrafts, commercial loans and car loans).
  • We are unable to contribute towards debts for home or rental purchase, home improvement or maintenance, funding children through school / university, student loans, trading or running a business, legal fees or loans from family or friends.
  • If you own more than one property it is unlikely you would qualify for a debt grant.
  • If you were successful in receiving a grant, it would be on condition that you could only apply for emergency, wellbeing and health grants while receiving your debt grant (ie you would not be able to apply for a financial support grant - with the exception of funeral costs - during this time).

Debt solution fees

We are able to consider funding fees in relation to some debt solutions (eg debt relief orders or bankruptcy fees). 

Please check you are eligible to apply. We would require evidence of a recent recommendation for a specific debt solution from an FCA-regulated debt advice organisation (eg StepChange Debt Charity or Christians Against Poverty) before considering a grant. 

Please contact a member of the grants team to discuss your situation in confidence before you make an application. 

Before applying, please check you are eligible for debt support using the eligibility checker. If you require further information about debt support, please contact us in total confidence via our contact form or on 0800 389 5192, or email us at grants@clergysupport.org.uk.

Apply for Debt Support