Have worked overtime for last five years. Money was allocated for this to continue for another year. Been informed that this will now stop early May. Certain monetary re-numeration was expected. Sudden change in income. Have been offered a loan to help if I am to be in difficulties. What are my rights?

Have worked overtime for last five years. Money was allocated for this to continue for another year. Been informed that this will now stop early May. Certain monetary remuneration was expected. Sudden change in income. Have been offered a loan to help if I am to be in difficulties. What are my rights?