Credit Cards & Loans

Guides and tools to help you get the best credit card or loan

Best 0% credit cards: If you need to borrow, credit cards can be the cheapest way

We prefer you don't borrow unless you NEED to, as it can lead to problems. Yet if you do need…

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…

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Credit Card Eligibility Calculator

Find your odds of getting top cards

Cheap personal loans: Borrow at 5.3% for £7.5k+

The cheapest loan rates have been pretty stable recently, though they're close to double what…

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Loans Eligibility Calculator

Find YOUR cheapest loan

Credit scores: Bust myths & improve your score

Everyone should take time to manage their credit report and score. Your credit report is vital…

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PPI: Can I still reclaim? The reclaim deadline has now passed, but there may be some exceptions

A new 'no win, no fee' group legal claim – the biggest of its kind – has launched, aiming to…

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…

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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.