If you’re about to apply for credit you are often advised to check your credit score, as it can make a huge difference to the success of your application. What exactly is a credit score? How is it worked out and are there any ways you can improve it? What Exactly Is a Credit Score? […]
So, you’ve decided you may be interested in a short term loan. This can be a scary prospect, especially for a first time borrower. You may have lots of questions: what is a short term loan? How do I pay it back? What are the benefits of a short term loan in the first place? […]
One of the key tests anyone who wants access to finance has to pass is a check on your credit file. For some people this is a mere formality, allowing the lender to rubber stamp their decision to grant access to finance and approve the loan or credit as ‘affordable, while for some people the […]
The world of personal finance is full of different terms for different types of credit, many of which sound the same or refer to products that aren’t described very well by their names. We love to help customers by de-mystifying these words to help you make better choices, and today we’re going to be tackling […]
The concept of a payday loan is, on the surface, very simple. Should you be experiencing any kind of financial shortfall, you fill out a short form, get a quick loan (if you are accepted), and then pay it back in good time so that you do not accrue any significant level of interest. It […]
For those with bad credit, getting a loan can seem an impossible feat. Bad credit doesn’t always mean that you have a large amount of outstanding debt, there are endless factors that can impact your credit score. However, regardless of the amount of your outstanding debt, if your credit score isn’t great, many lenders are […]
When you’re looking at loans, one of the most confusing things to get your head around is the annual percentage rate, or APR. It is also one of the most misunderstood. All payday loans will be advertised with the APR clearly shown. If a lender does not tell you the APR, then avoid them, as […]
Are you looking for information on how or when to avoid taking out a payday loan or emergency loan? The good news is that even when finances are tight, there are still lots of ways you can get by without having to borrow money at high cost. But how exactly can you achieve this? The […]
Most of us get into debt. Credit enables us to invest in the here and now and make plans for the future. But getting trapped into a debt cycle can be difficult or almost impossible to escape. There is a way out. Mortgages, student finance, investment in home improvements and buying a new and reliable […]
While it’s important to be responsible in terms of money management, sometimes life’s unexpected twists and turns mean that we find ourselves in need of financial help from time to time. This can be in the form of a payday loan, credit card, overdraft or other financial service. Whether you need to fund repairs to […]
Everyone makes mistakes. But money missteps, banking blunders and lending laments can be costly and take years to rectify. Britain is in the midst of economic turmoil with future job losses seemingly inevitable and less household income likely to affect millions as a result of the COVID-19 pandemic. People of all ages are going to […]
In 2019, there were numerous offers available that allowed consumers to take a credit card and transfer the credit to another card to pay off the balance. Then they would be given an interest-free period in which they could pay back the balance. This was an excellent way for consumers to avoid expensive interest rates […]
The recent Coronavirus outbreak has altered our lives in many ways during 2020, but one of the most significant and potentially long-term changes has been the reduction in the use of physical money. With people now less likely to want to come into contact with banknotes and coinage, the prospect of a cashless society is […]
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.