Cheap Personal Loans
Borrow at 2.9% 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.
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
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.
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.
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.
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
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.
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.
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
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.