Financial difficulty
What to do if you can't repay
Struggling with repayments? Here's what to do first, your legal rights, and the free support services that can help you find a way through.
7 min read → Energy bills
Energy debt & bill arrears loan
Energy debt can trigger prepayment meter installation, credit score damage, or supply disconnection. A Cash Train loan clears arrears before your supplier escalates.
Apply now →Unregulated lender • Apply online — decision in minutes
Typical energy costs
What does energy debt actually cost?
Gas & electricity arrears
£200–£1,500
Average UK energy debt per household in arrears is around £800–£1,200. Has grown significantly since 2022.
Prepayment meter top-up
£50–£200
Forced prepayment meter installation means paying upfront — often more expensive than direct debit.
Energy efficiency upgrade
£500–£3,000
Insulation, smart controls, or a more efficient boiler. Reduces future bills.
Multi-bill arrears
£500–£2,000
Accumulated water, broadband, and energy debt across multiple accounts.
Loan options
Choose the right amount
Whether you need to clear a small arrear quickly or tackle average household energy debt over several months, we have a tier to match. All loans come with fixed monthly repayments and no early repayment fee.
Getting started
How it works
Register
Tell us the amount you need and your details. No hard credit check at this stage — just an expression of interest.
Fast decision
Once we launch, registered applicants get priority access. Our decision process is fast, with most applications reviewed the same day.
Money to your account
Once approved and your loan agreement is signed, funds are transferred directly to your bank account so you can pay your supplier immediately.
Common questions
Energy debt loan FAQs
Yes — the British Gas Energy Trust, the Utilita Trust Fund, and the OVO Energy Fund all offer grants. Ofgem also requires suppliers to offer repayment plans. Try these before borrowing.
Domestic suppliers very rarely disconnect for debt — it's a last resort and heavily regulated by Ofgem. But arrears can lead to forced prepayment meter installation, which is expensive and inconvenient.
Generally no — energy companies don't routinely report to credit agencies. But a debt referred to a collections agency may result in a default registered on your credit file.
A £150 payment off your energy bill for eligible customers on certain benefits. Applied automatically if you qualify — check gov.uk. This doesn't help with existing arrears but reduces future costs.
Clear your energy arrears today
Apply online — get a fast decision with fixed monthly payments.
Apply now →Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk