Guides and straight-talking tips to help you borrow smarter.
Two ways to check for a county court judgment – one of them free. How to read your credit report, when the official register is worth paying for, and why no site can check it for you for free.
£10,000 is at the upper end of the standard unsecured personal loan market — most UK lenders cap
£5,000 is the sweet spot of the UK personal loan market. Mainstream lenders compete hardest at this amount
£2,000 is one of the most-searched UK loan amounts for a reason — it’s just big enough to
£1,000 is the entry point for mainstream UK personal loans — many high street and digital lenders start
When you need money fast, the UK loans market is full of websites promising “instant approval” and “money
The pitch is straightforward and the maths often genuine: instead of paying minimum payments on five credit cards
If you’ve been rejected for credit cards before — or you’re new to the UK with no credit
A credit-builder card is the single most effective tool for rebuilding (or building from scratch) a UK credit
If you’re between jobs and need to borrow, the UK mainstream loan market essentially won’t lend to you
A real emergency — boiler dies in February, car breakdown that’s stopping you working, urgent vet bill, bereavement
The UK has around 4 million self-employed workers — sole traders, contractors, freelancers, gig economy workers, small business
If you’re claiming Universal Credit or other UK benefits, you’ve probably noticed that most mainstream lenders quietly decline
“Same day loan” is one of those phrases that means very different things depending on which lender’s marketing
A guarantor loan requires a friend or family member with good credit to legally agree to repay if
When debts have grown beyond what can be repaid through normal budgeting and informal arrangements, the UK has
