Essentials...
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
If you are looking for a personal loan here are some key points that you should consider before signing any loan agreement.
Think Carefully About How Much...
Calculating Annual Percentage Rates
The annual percentage rate (APR) is a useful figure as a quick guide to how much interest will be charged on a loan or any other forms of lending. APR rates can be...
Choosing Between a Credit Card or a Loan
Choosing between a credit card and a loan will be somewhat influenced by how disciplined you are as a borrower and a spender. But the annual...
Credit Ratings and How They Can Affect Loans
Credit ratings can be all important when it comes to obtaining a loan or any other form of credit. Credit ratings will be one of the main...
Debt Consolidation Do's and Don'ts
For many people with credit cards, personal loans and overdrafts, the idea of consolidating all their debts into one single monthly repayment seems like the ideal...
Financial Bodies That Can Help With Problems
Whether it is a problem with a loan or any other financial dispute it is always useful to know the financial bodies that can help with problems...
Finding Interest Free Loans
If you can stick to the terms and conditions then interest free loans can be a very good deal, probably the best you will find. Finding interest free loans is not a...
Five Ways to Reduce Your Borrowing Costs
Struggling to repay your debts? Here are five simple ways to help you reduce your borrowing costs.
1. Lighten your Debt Load
The...
Loan Applications and Personal Information
Giving personal information is part and parcel of applying for any type of loan. The information is used by the lenders to both verify the...
Loan Contracts and the Small Print
It’s a strange but true fact that many people never read the small print of any contracts. Loan contracts and the small print contained within them are there for a...
Loan Incentives You May Be Offered
Enticing customers to use a service or product is not always an easy task. Financial services are huge market and the competition between companies for customers is...
Loan Offers to Look Out For
With an abundance of lenders on the market picking a loan can sometimes be confusing. Rushing to take the first loan you come across is never a good idea; r...
Loans and Borrowing: Facts and Figures
If you are in debt then you might draw some comfort from knowing that you are not alone. The average Briton has debts of £33,000 including credit...
Managing Your Loans
In today's debt driven society it is not uncommon for people to have multiple loans and credit cards. For some, these loans are handled responsibly but for others...
Should You Ever Co-sign a Loan Agreement
Co-signing a loan agreement should never be undertaken lightly. Becoming a co-signer does come with certain financial risks and can bring...
Supermarkets: the Cheapest Loans on the Market?
Supermarket loans regularly hit the top spot on loan comparison sites when it comes to the lowest annual percentage rates. Supermarket loans and...
Take Our Loans and Borrowing Questionnaire
Just how much debt is too much? Take our loans and borrowing questionnaire and, by answering a few simple questions, you can find out whether...
The Consumer Credit Act and Your Rights
When it comes to loans and other financial services the consumer has a great deal of protection under the law. A great number of these protective...
The Pros and Cons of Using an Online Lender
Online lenders are generally regarded as a lower cost borrowing and saving option. Fewer overheads mean online lenders can offer very competitive...
