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Below are our articles on the subject of Essentials. If you can't see what you are looking for our other categories are displayed on the left under 'Our Quick Links'...
Advice When Applying for a Loan
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....
Calculating Annual Percentage Rates
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....
Choosing Between a Credit Card or a 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....
Credit Ratings and How They Can Affect Loans
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…...
Debt Consolidation Do's and Don'ts
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…...
Financial Bodies That Can Help With Problems
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....
Finding Interest Free Loans
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....
Five Ways to Reduce Your Borrowing Costs
Five Ways to Reduce Your Borrowing Costs
Struggling to repay your debts? Here are five simple ways to help you reduce your borrowing costs....
Loan Applications and Personal Information
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
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
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 Offers to Look Out For
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....
Loans and Borrowing: Facts and Figures
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…...
Managing Your Loans
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....
Should You Ever Co-sign a Loan Agreement
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?
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
Take Our Loans and Borrowing Questionnaire
Just how much debt is too much? Take our loans and borrowing questionnaire...
The Consumer Credit Act and Your Rights
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 Pros and Cons of Using an Online Lender
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…...
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