Borrowing Without the Spiral

Hi

Now that you’ve joined, the most important thing is how you use Brolly.

A few simple rules to keep yourself in control.

1. Use it for real needs
   Think bills, repairs, essentials – not gambling or big blow-outs.

2. Have a clear repayment plan
   Before you confirm a loan, know exactly where the money will come from on your due date.

3. Borrow what you can repay, not the max
   Just because you can apply for a higher amount doesn’t mean you should.

4. Give yourself breathing room
   Leave enough in your budget for food, rent and other non-negotiables.

Brolly is designed to help you get through a tight spot and then move on, not to pull you into a spiral.

If you’re thinking of taking your first loan, write down what it’s for and how you’ll repay it. If it doesn’t add up on paper, it probably won’t add up in real life.