What this site is
Pocket Money Loans is a small, free library of explanations about money — pocket money, saving, earning, interest and borrowing — written in plain English for young readers and the grown-ups alongside them.
There is nothing to buy, nothing to join and no forms to fill in. There are no adverts, no newsletter, and no tracking or analytics scripts. We do not set cookies and we do not collect any personal information from visitors.
What this site is not
We are not a lender. We do not lend money to anyone, of any age, under any circumstances.
We are not a credit broker. We do not introduce anyone to lenders and we are not paid by any financial company.
We do not sell anything and nothing here is a financial promotion.
Nothing here is financial advice. It is general education. For advice about your own situation, speak to a qualified adviser or a free service such as MoneyHelper, which is backed by the UK government.
In the UK, you must be 18 to take out a loan, credit card or overdraft. Nothing on this site should be read as suggesting otherwise.
About the name
This web address previously belonged to an art project of the same name — a satirical fake "payday lender for children" created to criticise the real payday lending industry. That project is not connected to this site, and none of its material is reproduced here.
We kept the name because it turns out to describe something honest: pocket money and loans are the two ends of one subject, and the trip between them is what this site is about.
How the content is written
- Everything is written from scratch for this site.
- Figures are sourced and dated. Where we quote a number — average pocket money, legal working hours — we say where it came from and when we checked it. All figures on the site were checked in August 2026.
- Rules point to the original. For anything legal, we link to GOV.UK rather than asking you to take our word for it.
- We aim for about a ten-year-old reading age without simplifying the ideas themselves. Children can handle compound interest; they just need it explained without jargon.
- We say when something is uncertain or when reasonable people disagree — as they do, for example, about whether pocket money should be earned.
Sources we rely on
- GOV.UK — child employment rules
- MoneyHelper — the UK government-backed free money guidance service
- Published UK pocket money survey data, cited on the page where it appears
Corrections
If something here is wrong, out of date, or explained badly, we would rather know. Accuracy matters more on this subject than on most.