Cards and Loans

  1. MoneySavingExpert.com
  2. Borrowing
Balance Transfer Credit Cards

Balance Transfer Credit Cards

Shift existing card debt to 0% interest for up to 29mths

Paying credit card interest? STOP. A balance transfer credit card can save you £1,000s…
Best 0% Credit Cards

Best 0% Credit Cards

Up to 26 mths' interest-free spending

If you need to borrow, credit cards can be the cheapest way.
Cheap Personal Loans

Cheap Personal Loans

Borrow at 2.8% for £7.5k+

After a long period of relative calm, a host of lenders have recently cut their rates in quick succession. Yet don’t just borrow because loans are cheap. Only do it if it’s budgeted-for and carefully planned, so you know whether you can afford the repayments. If you do need a loan, always be careful – even the best deals have tricks that could trip you up.

Cards Eligibility Calc

Find your odds of getting top cards

Loans Eligibility Calc

Find YOUR cheapest loan
Travel Credit Cards

Travel Credit Cards

One of the cheapest ways to spend abroad

Going abroad or spending on foreign websites? Get a specialist travel credit or debit card for near-perfect exchange rates worldwide. This guide includes best-buy cards, the cards to avoid, and how to check what your card's charging you when you use it overseas.
Warning! Don’t use PayPal to pay on a credit card

Warning! Don’t use PayPal to pay on a credit card

You’re losing valuable Section 75 rights

An ever-growing number of retailers now encourage customers to pay via PayPal, but if you're doing it on a credit card – for items that cost £100+ – you're missing out on valuable extra protection. That's because using PayPal scuppers your Section 75 rights. I'm hearing more reports of people falling foul of this, so I want to use this short guide to run you through how it works.
Top cards for under-18s

Top cards for under-18s

Prepaid cards & bank accounts for kids

If you have kids under the age of 18 then a card could be a great alternative to cash to teach them how to spend wisely. Plus, you can set spending limits and monitor what your child is spending on, giving peace of mind too.
Payday loan best buys?

Payday loan best buys?

Check cheaper alternatives first

Need some quick and easy cash? A payday loan feels easy, but even now the amount of interest you pay has been capped, these loans are still an expensive nightmare. Take one out and you risk scarring your finances, and the possibility of paying back double what you borrowed.
Money Transfers

Money Transfers

Shift cash from a card to your bank account at 0% interest

A 0% money transfer allows you to shift cash from a card to your bank account to clear your overdraft or give yourself a 0% cash loan for up to 28 months. Here's how it works and all the best deals...
Prepaid Travel Cards

Prepaid Travel Cards

Lock in a top rate before you go

Prepaid travel cards, also known as currency cards, allow you to load them before you go abroad then use them as you would a debit card to spend or withdraw cash as you wish. And because they're pre-loaded, it allows you to keep tight control of your spending. Most also allow you to lock in a rate in advance.
How do credit cards work?

How do credit cards work?

Balance transfers, 0% spending, travel credit cards & more

With the multitude of different types of credit card available, you could be forgiven for wondering which is the right one for you.
Credit cards for bad credit

Credit cards for bad credit

Top cards for rebuilding your credit score

Applied for a credit card and been rejected? FREEZE! Assess why you've been knocked back, then find cards that fit your profile or try to rebuild your credit rating using the top 'bad credit' credit card – and always pay it off in full. Plus find out how to avoid the rejection spiral and improve your credit history.
Airline Credit Cards

Airline Credit Cards

Earn points for flights and upgrades

Slash the cost of flights worldwide for you and your partner, just for spending on a piece of plastic. Airline credit cards offer Avios and other frequent flyer points. You earn air miles or points as you spend, not as you fly, and you can get big bonuses for signing up.
0% Balance Transfer & Spending

0% Balance Transfer & Spending

Get up to 26 months 0% on both with one card

Most credit cards are good for new spending OR cutting the cost of existing debt. But some offer cheap intro rates on both.
Credit Card Rewards

Credit Card Rewards

Get flights, points, cashback & more

Spend on one of these cards and it pays you – either in pure cashback or points that can be converted into vouchers for shops, airlines, hotels etc. If you're debt-free and pay off your card every month, you can earn goodies worth £100s each year.
Credit Scores

Credit Scores

Bust myths & improve your score

Everyone should take time to manage and boost their credit score. It's no longer just about whether you can get mortgages, credit cards and loans, it can also affect mobile phone contracts, monthly car insurance, bank accounts and more. Here's what you need to know about credit checks and how to boost your credit score.
Build Your Credit History

Build Your Credit History

A how-to for students and young people

Credit scoring is about predicting future behaviour based on your past. So if you have no past, this can cause you to be rejected for a loan, mortgage, bank account, phone contract or energy tariff. We reveal how to get climbing the credit rating ladder to bag the best products.

Guides A-Z

A

B

C

D

F

H

I

M

O

P

R

S

T

W

#

Other Guides

Credit Cards
Loans
Car Finance
Cashback & Rewards
Debt Help
Popular Guides

RELATED TOOLS

Credit Club

Boost your credit chances

Credit Card Eligibility Calculator

Shows which top cards you're most likely to get

Loans Eligibility Calculator

Shows which top loans you're most likely to get

FROM THE FORUM

Credit Cards

Discuss plastic borrowing

Reclaim Credit Card Charges

Chat with other reclaimers

Loans

Chat about personal loans

Debt-Free Wannabe

Mutual support to get rid of debts