If you can't repay your mortgage then call the lender to rearrange a refinancing plan. For instance, you wouldn't borrow more than £1000 with a payday loan (ideally) and also you'd pay it back within a few weeks. It's just like a debit card, however it is not tied to a particular checking or savings account. Different programs: Capital Good Fund affords monetary teaching and a credit score builder program at additional value.