Introduction In today’s fast-paced world, unforeseen financial emergencies can disrupt even the most well-planned budgets. When faced with urgent expenses, payday loans can provide a valuable solution. This comprehensive guide aims to shed light on the world of payday loans, helping you make informed decisions while navigating through challenging times. Whether you’re a newcomer to […]
Payday loans have been in the media for all sorts of reason, with not all of them being good, and they were once considered the lender of last resort, but since the crackdown by the FCA this year, the industry has rapidly become the first choice for many, due to ease of access. There are […]
An instalment loan is just like any other loan – you borrow a sum of money that is repaid with interest added on top of the initial loan value, but you pay this loan back over a certain time period at certain intervals (typically monthly). Your payments or installments won’t fluctuate and will be made […]
Your 20s will be thrilling as you embark on the beginnings of adulthood, but they can also be daunting as you navigate the much less desirable obligations of adulthood, such as bills and loans. It could also be the most important decade for your financial future. While your financial situation will differ from your friends’, […]
Over the last weeks, we covered everything from ‘What is credit?’ to ‘What happens if you get a bad credit score?’ in this Credit series. Your credit rating matters more than ever as it’s one of the main factors lenders use when deciding whether to accept your credit application and even how much to charge. […]
Many people who have bad credit often find themselves in financially difficult situations. But what does it really mean to have ‘bad credit’? Well, it can mean a few things but the negative effects of having bad credit are undeniable. Here is a list of what it means to have bad credit. High interest rates […]
Personal finance is full of confusing terms and acronyms, and the phrase APR is certainly one of them. Luckily, it’s not that hard to answer the question ‘what is APR?’ APR is short for annual percentage rate, it is the annual rate of interest you will be charged for borrowing. You will find it advertised […]
In the world of credit, it is difficult to pinpoint correct information as it is filled with misinformation and misunderstanding, making it difficult for the average person to find out more information or to even want to get involved with credit. Read on to debunk these credit myths and set the truth free. What does […]
The market for short term loans has transformed quite considerably over the years, meaning that modern day customers of this market are facing a very different service from the past. Nowadays the services offered by short term loan lenders are more flexible and thorough, with the checks they complete taking into account affordability. Instalment loans […]
Credit comes in all different shapes and sizes, including loans, mortgages, overdrafts and credit cards, but what is it and why do I need it? What is credit? The definition of credit is a contractual agreement in which a borrower receives something for value now and agrees to repay the lender at some date in […]
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