Case Studies...
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Advice When Applying for a Loan
Looking for a personal loan? Here are some key points that you should consider before signing any loan agreement....
Bank Charges and How to Avoid Them
Bank charges are a bone of contention for many bank customers but by take a few precautions you can avoid paying bank charges and save a large amount of money....
Bank Loans and Your Best Options
Finding the best bank loan options will come down to a few personal factors, if you are willing to be flexible then the amount of loan options available will increase....
Benefits and Disadvantages of Loan Comparison Sites
Loan comparison sites can be useful research tools, but recent reports have led to some interesting findings when looking at the actual benefits and disadvantages of loans comparison sites....
Best Loan to Cover Training Programme Abroad?
Career development loans are a good way to provide funding while studying or training is taking place and repayments do not begin until one month after the training has ended....
Borrowing Solutions That Won't Break the Bank
Borrowers with poor credit records may have to resort to costly high interest credit options but there are some low cost borrowing solutions available to all regardless of credit history....
Buy to Let Loans
Buy to let mortgage loans can be a good investment if you have thoroughly researched your finance options and can comfortably make repayments if the housing rental market decreases....
Calculating Annual Percentage Rates
Calculating annual percentage rates will be the best way to gain some idea of the total amount payable on your loan but there are hidden extras to look out for....
Can Banks Refuse to Give Account Statements?
Banks have a legal duty to supply copies of customer account statements when requested by the customer but there may be a charge for this service....
Car Loans with Affordable Rates
There are a large number of car loans with affordable rates on the market but choosing the right lender can save huge amounts of money over the length of the loan....
Choosing Between a Credit Card or a Loan
The golden rule when choosing between credit cards and a loan is to look for the lowest annual percentage rate, and if possible go for a zero percent interest rate....
Choosing Building Society Loans
Choosing a building society loan should involve methods such as comparing interest rates and you may find that the rates given by building societies are better than some banks....
Choosing the Right Loan
Choosing the right loan will be a combination of many factors including interest rates, loan repayment terms and the applicant’s credit history....
Choosing your Loan Lender
Choosing your loan lender should no longer simply be a case of going to the same familiar bank, shopping around can help consumers achieve the lowest interest rates possible....
Common Loan Scams to Look Out For
Common loan scams to look out for will include paying up front fees for loans, deferred fee scams, and any loan offers from abroad....
Consequences of Non Payments and Defaults
The consequences of non payments and defaults can include bad credit references, arrestment of wages, and in the most serious cases court action can be taken....
Considerations when Choosing High Street Lenders
There are a few factors that should be considered when choosing high street lenders not least of which are low interest rates, good customer service and customer accessibility....
Considerations When Taking Unsecured Loans
Shopping around to get the best interest rates and tailoring you’re your loan to your budget are just some of the considerations when taking unsecured loans....
Co-signed Loans for Cohabiters
Lenders have witnessed a huge rise in co-signed loans for cohabiters where property buying is concerned due to the steadily rising house prices in Britain....
Credit Ratings and How They Can Affect Loans
Credit ratings are major factors as to whether a loan applicant will be successful in their application, and a good credit rating means zero missed or late loan repayments....
Credit Union Loans and How They Work
Credit union loans are a good option to high street lenders; interest rates are low and the repayments lengths can be much better than many banks....
Debt Collectors and Knowing Your Rights
In order to avoid harassment and intimidation it is very important that debtors know their rights as far as the powers of debt collectors are concerned....
Debt Consolidation Do's and Don'ts
Debt consolidation might seem like an ideal way to manage your debts. However, many people end up accumulating more debt. Here is a list of debt consolidation do’s and don’ts....
Early Loan Repayment Charges
Early loan repayment charges are designed to stop borrowers paying off their loans early and also to discourage borrowers from switching to loans with lower interest rates....
FAQ: How to Use Short Term Loans Sensibly
Short term loans can be an excellent way of borrowing money without paying high amounts of interest and there are some zero percent interest options....
Fast Cash Loans can be LifeSavers
Fast cash loans are a way to obtain some quick emergency cash but they should not repeatedly be used as a solution to debt problems....
Fast Track Repaying Personal Loans and Credit Cards: Case Study
In this case study, find out how Marie decided to fast-track her debt repayments in order to become debt-free....
Financial Bodies That Can Help With Problems
Knowing your consumer rights when it comes to loan disputes is always advantageous, and there are a number of financial bodies that can help consumers in this area....
Financing Alternatives to Student Loans
Student debt is increasing every year with many students owing over £20,000 in debt upon graduation but there some alterative financing options available to students....
Finding Interest Free Loans
Interest free loans are the best loan option if you can stick to the repayment schedule, but miss a payment and you may find yourself paying exorbitant rates of interest....
Finding Low Interest Rates for Home Owners
Finding low interest rates for homeowners should not take a lot of research but borrowers should remember that with this type of loan their home may be at risk....
Finding the Right Credit Card
Finding the right credit card will take some research time, and factors to consider will include annual interest rates and the type of spending habits you have....
Five Ways to Reduce Your Borrowing Costs
Struggling to repay your debts? Here are five simple ways to help you reduce your borrowing costs....
Flexible Loans and more Financial Freedom
Flexible loans do grant a certain amount of financial freedom, you can pay as much or as little as you wish to repayments, and there are no charges of fees...
Going Green Business Loans FAQs
Businesses that do implement energy efficient appliances can apply for interest free loans and a number of tax breaks can also be applied for....
Government Crisis Loans and Repayments
Government crisis loans and repayments are interest free, and loans are given to applicants in times of an emergency where the applicant’s health and safety may be compromised....
Green Loans for Home Owners
The government intends to eco-upgrade seven million homes by 2020 using green loans as part of their scheme, but not everyone is convinced by the validity of this energy saving scheme....
Holiday Loans: Should You Borrow?
Many lenders offer loans specifically for spreading the cost of an annual holiday but some borrowers will still be repaying this debt long after the holiday tan has disappeared....
Home Improvement Loans that will add Value to the Home
Home improvement loans can be a wise investment when it comes to reselling a home, but they can also be used to make vital repairs and add extra space to a home....
How Supermarket Loans Work
Supermarkets have netted a big slice of the lending market and their annual percentage rates are competitive compared to some of the more traditional lending routes....
How to Use a Loan Broker
Knowing how to use a loan broker correctly can widen a borrower’s loan options but there may be fees to pay depending on the broker you choose....
Internet Loan Options
There is a huge range of internet loan options for the consumer to choose from, and many will offer lower interest rates than the high street lenders....
Irresponsible Lenders and Your Rights
Irresponsible lending has played a major part towards a cycle of debt existing in the UK and borrowers should be aware of their rights when dealing with irresponsible lenders....
Juggling Loans and Clearing Debt
Juggling loans to clear debt is never a good long term debt solution, but in certain cases there are benefits from switching to a loan with lower interest rates....
Last Resort Loans to Avoid
Last resort loans are often taken when other borrowing options have been tried; this leaves borrowers susceptible to high interest rates and using their property as a guarantee of payment....
Loan Advertising and your Rights
Loan advertisements are bound by guidelines laid down under the Consumer Credit Act, and the consumer does have certain rights if these advertisements are found to be misleading....
Loan Advice for Young People
Loan advice for young people should highlight both the positive and negative aspects of loans, and the need for responsible borrowing....
Loan Applications and Personal Information
Loan applications will require personal details that will be used to verify the identity of the applicant and to assess whether they are a good or bad credit risk....
Loan Contracts and the Small Print
It is vital that customers read their loan contracts and the small print before signing in order to be aware of any hidden charges that can be applied to the loan....
Loan Incentives You May Be Offered
Money lenders will often offer incentives to tempt the consumer, but always make sure that the incentive does not actually add money to the original loan....
Loan Lenders to Avoid
Knowing the loan lenders to avoid will save the borrower a lot of wasted money, debt problems, and stress....
Loan Offers to Look Out For
Loan offers to look out for will include low interest rate loans, and shopping around is the only way to find the most suitable loan for your budget....
Loan Options for Businesses
Loan options for businesses can include bank loans, venture capital and commercial mortgages, and the business owner should weigh up all relevant factors before coming to a loan decision....
Loans and Borrowing: Facts and Figures
If you are in debt then you might draw some comfort from knowing that you are not alone. Here are some more startling facts and figures related to loans, credit cards and personal debt....
Loans by Text: Pros and Cons
Loans by text companies do have one of the easiest to use application processes but these payday loans do come with hefty interest rates and stinging late penalty charges....
Loans for Retired People
Retired people that have a good level of income and equity available on their property should not have much of a problem finding a loan with favourable interest rates....
Loans for Tenants with Affordable Rates
Tenant loans with affordable rates can be found by undertaking some thorough research, but there are some lenders who should be avoided if possible....
Loans to Advance Your Career
Loans to advance your career have existed for many years and are a good low interest loan option if the repayments can be comfortably met when the course is finished....
Log Book Loans and Your Car
Log book loans will use a borrower’s car as security, and interest rates can vary on these loans from either very competitive to very high interest....
Long Term Loans and Debt Considerations
Long term loans can be a good when used to eliminate existing debts, but long term loans are also a long term commitment and should not be undertaken lightly....
Managing Your Loans
Managing your loans means keeping a close eye on those repayment dates in order to avoid those severe bank charges due to late or missed payment fees....
Mis-sold Payment Protection: Your Rights
The payment protection insurance industry makes a profit of £5 billion each year but with 2 million policies mis-sold the customers are starting to fight back and reclaim their money....
Mortgage Loans for First Time Buyers
The range of mortgage loans for first time buyers can seem bewildering, but taking expert advice and shopping around to receive the best deal will pay off....
Mortgages and Loans for Self Builds
Self build mortgages and loans are no longer a niche market and many of the big banks and building societies will offer these loans provided certain stipulations are adhered to....
New Laws: Fairer Deal for Credit Card Borrowers
A new set of 'fair principles' have been agreed to help people struggling to repay their credit card debt. But how will these measures help credit card borrowers?...
Overdraft Incentives to Look Out for
Overdraft facilities can be an incentive to draw in new bank customers and some can work out as an excellent alternative to traditional loans....
Overdrafts are Loans Too
Although they are not strictly defined as such, overdrafts are loans too, and as with loans penalties and fees can be applied to the overdraft if it is exceeded....
Payday Advances and When to Use Them
Payday advances may be a good, short term borrowing option, but high interest rates mean that this service should not be repeatedly used....
Recognising That You Are a Borrowing Risk
Understanding and recognising what constitutes a borrowing risk to lenders can help towards a successful credit application and can help with future borrowing....
Recognising the Signs of a Bad Lender
Bad lenders can often appear outwardly businesslike and professional but they can use unfair business practices to cause harassment and major financial problems for their customers....
Repaying Student Loans
Repaying student loans can seem like a daunting task, but low interest rates and deferment periods should help ease the strain slightly....
Secured Loans and Your Property
Secured loans can be a good option when looking for favourable interest rates, but the risk of using your home as security should be a major consideration....
Secured Loans Pitfalls to Be Aware of
Secured loans can mean lower interest rates over a long term period but there is always the risk of losing the asset that is secured against the loan....
Should You Consider the Bank of Mum and Dad?
The bank of mum and dad is a popular lending option but there may be some reasons why parents are less than willing to provide loans to their offspring....
Should You Ever Co-sign a Loan Agreement
Co-signing a loan agreement for another person can be a generous act but there are risks involved including full repayment of the debt and a poor credit reference....
Supermarkets: the Cheapest Loans on the Market?
Supermarket loans do regularly top the rankings of loan comparison websites and for borrowers these low APR loans may be the cheapest on the market....
Take Our Loans and Borrowing Questionnaire
Just how much debt is too much? Take our loans and borrowing questionnaire...
The Best Time to Remortgage
The best time to remortgage will be dependant on a few factors including decreasing interest rates and a rise in available equity on the home....
The Consumer Credit Act and Your Rights
When the Consumer Credit Act was first set in place it brought with it a greater amount of protection for the consumer and the right to a fair deal from lenders....
The Government's First Buy Home Owner Loan Scheme
The government’s new First Buy loan scheme can be an excellent way for new property owners to get onto the property ladder by applying for equity loans....
The Latest Loan Fraud Scams
Loan fraud scams that involve advance payments and arrangement fees are increasingly being used to dupe people with bad credit records who are looking for loans....
The Pitfalls of Credit Card Loans
Credit cards with zero or low interest rates can be an excellent alternative to traditional loans but there are pitfalls to be aware of when it comes to credit card loans....
The Pitfalls of No Credit Check Loans
No credit check loans are usually the highest interest rate loans available on the market and are not a good idea as a long term debt solution....
The Pros and Cons of Using an Online Lender
Online lenders have become a very popular alternative to the traditional high street banks, and the absence of many overheads means that some customers can find excellent online credit deals....
The Results of Loan Defaulting: A Case Study
Loan default notices can bring serious consequences if they are ignored and can lead to the sale of a debtor's home as this case study shows....
The Right Personal Loan for You
Finding the right personal loan to suit your needs will may take some research, and shopping around online should guarantee the best interest rates available....
The Right Time for Home Equity Loans
The right time for home equity loans will usually be a combination of low interest rates and the ability to free up some cash without actually selling the home....
The Right Time to use High Interest Loans
Borrowers should usually avoid high interest loans if they can, but this type of loan can help bad credit borrowers to repair their credit records....
The Rise of Pawnshop Borrowing in the UK
The amount of pawnbrokers in the UK has been rising steadily, and for many people with poor credit records pawnshops are a better borrowing option that some high interest lenders....
The Truth about Payment Protection Insurance
Payment protection insurance can be useful if borrowers are taking a long term loan, but for short term borrowing it may not always be the right choice....
When to Take Out a Bridging Loan
Bridging loans are significantly more expensive than personal or secured loans, but if you don’t want your dream home to slip away then they may be the answer....
When to Use Consolidation Loans
If your debts are becoming unmanageable, and interest payments alone are taking a chunk from your monthly salary, it may be time to consider a consolidation loan....
Why It's Becoming Harder to Borrow
With a high number of lenders withdrawing their unsecured loans and others applying high annual percentage rates it does seem as if low interest borrowing is becoming more difficult....
Why Reliable Borrowers Are Paying for Bad Debtors
Annual percentage rates have been rising rapidly and the banks are tightening up on unsecured borrowing but this has hit reliable borrowers as well as bad debtors....
Will Lower Interest Rates Lead to Cheaper Loans?
With interest rates in the UK at an all time low, does this mean that personal loan rates will be cheaper too?...
Writing Off Bank Loans
The writing off of bank loans can be achieved under certain circumstances, but it may not mean the end of the debt for the borrower....
Your Borrowing Questions Answered
Worried about repaying your debts, or looking for advice on taking out further borrowing? Here are some answers to important questions relating to loans and borrowing....