We help people take control of their own finances.

We support people’s efforts to cope financially. The Guarantee Foundation is a national social welfare organisation. All of our services are free of charge and nationwide.

Our services

Advice on the Debt Helpline and Ask About Money web chat

You can contact the Guarantee Foundation’s Debt Helpline or the Ask for Money web chat when you have money worries and want to discuss your own money and debt situation or that of someone close to you.

Guarantee from the Guarantee Foundation

You can apply for a guarantee from the Guarantee Foundation for a consolidation loan that combines all your unsecured loans and overdue bills. The loan itself is granted by a bank

The Guarantee Foundation’s miniloan

The Guarantee Foundation’s miniloan is an affordable and reliable financing option for unexpected expenses or well thought-out purchases. The miniloan is intended for people with low income who cannot get an affordable loan on the credit market due to low income or a payment default entry.

Penno – Manage Your Money

Penno is an online service that can be used to monitor everyday spending or to save up for a dream. The income and expenses recorded in Penno show you what you can afford and guide you towards making conscious choices.

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