If you’re considering applying for a short term loan, perhaps as a result of a financial emergency, then you might be wondering what the best way to go about it is. If you’ve had difficulties managing money in the past, or have been turned down for credit, then you may be concerned that your application […]
There are some important benefits to be gained from getting access to instant cash, as long as you find a recognised and approved lending source. That includes being able to rely on an immediate loan to help you with an emergency purchase, major repair or serious cash-flow problem. However, there are also good reasons to […]
There are many reasons why people struggle with bad credit. For example, if you’ve defaulted on payments or had late repayments on loans, bills and store cards in the past, your credit score might have taken a bit of a battering. Alternatively, perhaps you haven’t had the chance to build up a strong credit history, […]
Payday loans and other forms of short term borrowing are becoming more and more popular, and there is an increasing number of lenders popping up. They make sense; most people only want to borrow a little bit of money over a short period of time to help them through a spot of financial hardship – […]
Applying for a loan seems like a scary process, especially if you’ve never applied before. Your mind may be swimming with questions: what type of loan do you go for? How much should you borrow? How long will it take to repay the loan? All of these are important and valid questions, but they’re easily […]
Dealing with the estate and finances of a deceased person can always be difficult, especially when the issue is compounded by the grief felt at the person’s death. This problem can become even worse, however, when there are still outstanding debts that need repaying. Knowing who has to deal with that debt and how they […]
If you’ve been wondering whether no credit check loans exist, the answer to your question is yes – in theory. However, in practice, they should not be offered by lenders in the UK, and with good reason. It may even be against the law for a payday lender to offer you a loan without a […]
What Is an IVA? An IVA, or Individual Voluntary Agreement, is a financial arrangement intended to manage significant debts. Individual Voluntary Arrangements are usually made between a consumer and the organisations to whom money is owed. An IVA can be helpful in the case of an individual owing money to a number of different companies […]
Understanding your credit score might seem complicated. A quick search on Google will bring up plenty of pages detailing what credit scores mean and suggestions on how to boost yours – but does it all actually make a difference? With conflicting pieces of advice out there, it can be hard to know how to put […]
Payday loans are incredibly easy to apply for and access. According to the Citizens Advice Bureau (CAB) Payday Loans Survey, 98% of borrowers stated that they found payday loans easy to use. However, ease of access to money makes this source of financing potentially dangerous. It is the model of payday loan companies to make […]
Buying a first home is still seen by millions of Britons as a rite of passage, allowing people to set up a family of their own and start paying into an asset that they actually own. But for many people, it feels like a next step that is increasingly out of reach, particularly for young […]
Payday and doorstep lenders have been with us for years. Unfortunately, some of them were lending at very high interest rates, with unpleasant practices such as aggressive debt collection, poor affordability checks, and overcharging fees. On 1st April 2014, the Financial Conduct Authority became the regulator for these companies and began cracking down on unfair […]
The cost of a wedding in the UK often runs into the tens of thousands of pounds and, while it is your special day, it is worth considering some ways to lower the bill. It is possible to have a perfectly wonderful day, with most of the trimmings, on a budget. You just need to […]
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.