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 credit […]
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, straightforward. Should you be experiencing any 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 is worth highlight […]
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 […]
One of the most confusing things to get your head around is the annual percentage rate or APR when looking at loans. 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, avoid them, as they are […]
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 a high cost. But how exactly can you achieve this? […]
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 another financial service. So whether you need to fund repairs […]
When you have a short term financial crisis, it can be difficult to figure out what options you might have to obtain funds in a hurry. Payday loans are one quick and easy option, but there may be other avenues you can explore as well. While payday loans are suitable for short term lending, they […]
Anybody who has ever tried to access finance knows how vital their credit score is to their ability to borrow money. It’s your passport to money, but while most of the information is there to confirm that you are who you say you are, there are also parts of the score that will determine whether […]
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 […]
If you have multiple debts which you are struggling to repay, you are not alone. There are many ways to tackle your debt, and one of the most popular options is a debt consolidation loan. A variety of lenders specialise in these types of loans, with many considering lending to those with a bad credit […]
If you find yourself in a tricky financial situation, there are many different ways you can borrow money – you can ask for help from family and friends if they can provide it, you can use a credit card, use lending companies or else take out a loan from a bank. Different types of loans […]
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.