Credit Cards & Loans
Guides and tools to help you get the best credit card or loan
Balance transfer credit cards: Shift existing card debt to 0% interest
Paying credit card interest? STOP. A balance transfer credit card can save you £1,000s by slashing…
Best 0% credit cards
We prefer you don't borrow, as it can lead to problems. Yet if you need to, 0% spending credit…
Credit Card Eligibility Calculator
Find your odds of getting top cards
Cheap personal loans
If you NEED to borrow, the cheapest loan rates are currently close to the lowest we've ever…
Loans Eligibility Calculator
Find YOUR cheapest loan
Travel credit cards
If you're planning an overseas trip, or regularly buy from overseas websites, a specialist…
Credit card rewards
Spend on one of these cards and it pays you – either in pure cashback or points that convert…
Think twice before using PayPal to pay on your credit card
An ever-growing number of retailers now encourage customers to pay via PayPal, but if you're…
Credit Club
Boost your credit chances
Best 0% credit cards: If you need to borrow, credit cards can be the cheapest way
We prefer you don't borrow, as it can lead to problems. Yet if you need to, 0% spending credit…
0% balance transfer & spending cards: Good for new spending AND cutting the cost of existing debt
Most credit cards are good for new spending OR cutting the cost of existing debt, but some…
Popular guides
- Credit card rewards
Earn cashback, points & more
- Money transfer credit cards
Shift cash from a card to your bank account at 0% interest
- Travel credit cards
One of the cheapest ways to spend abroad
Credit Card Eligibility Calculator
Find your odds of getting top cards
Cheap personal loans: Borrow at 4.9% for £7.5k+
If you NEED to borrow, the cheapest loan rates are currently close to the lowest we've ever…
Popular guides
- Debt problems
What to do & where to get support
- Cut existing loan costs
Free calculator shows if you'll save by switching loans
- Credit unions
Local community savings and loans
Credit scores: Bust myths & improve your score
Everyone should take time to manage their credit report and score. Your credit report is vital…
Popular guides
- Credit cards for bad credit
Compare top cards for rebuilding your credit score
- Debt problems
What to do & where to get support
PPI: Can I still reclaim? The reclaim deadline has now passed, but there may be some exceptions
The PPI deadline passed on 29 August 2019, so most people can no longer reclaim, be that…
Reclaim bank charges: It's still possible to get £100s back
Excess bank charges are no longer such an issue as many banks aren't charging fees for going…
Popular guides
- Section 75 refunds
Free protection for credit card spending on items over £100
- Visa, Mastercard & Amex chargeback
Little-known card purchase protection which can get £1,000s back
- Student loan overpayments
Are you due a refund?
In this cards and loans section we guide you through the different types of credit cards and loans and the best products available. As there are so many, it's important you find the right one for your needs, whether you want to transfer an existing credit or store card balance you're paying interest on to another card at 0%, borrow at 0% interest, improve your credit rating, earn cashback or reward points for doing your everyday spending, or spend money abroad.
If you're unsure which cards you'll be accepted for, our Credit Card Eligibility Calculator uses a 'soft search' to show you your likelihood of being accepted for most of the best credit cards.
If you're looking for a loan for a planned purchase or to cut your existing loan costs, we also have a range of guides to help inform your decision. Our Cheap personal loans guide details the personal loan best buys, but also addresses whether other finance options – such as credit cards – might be cheaper. You can also use our handy Loans Eligibility Calculator to find which unsecured loans you're most likely to be accepted for – while protecting your credit score.
If you're looking for help handling debt, we also have Debt solutions and Debt help guides packed with important information and debt-fighting solutions.