Cut Existing Loan Costs
Unique free calc shows if you'll save
Want to cut the cost of your current loan? With the current crop of low rates, you might be able to, but it's often difficult to be able to tell if you can save. This cost-cutting guide will show you how to find the best new deal, and features a unique loan switching calculator so you can see if you can cut your costs.
Formal debt resolution tools
If you have extreme debts, a formal debt solution – bankruptcy, individual voluntary arrangement or debt relief order may be the only way back. It's not a step to be taken lightly, and you should ALWAYS seek debt advice first. This guide acts as a reference, helping you to decode all the confusing language surrounding ways to deal with debt and help you find the right solution.
Local community savings & loans
Credit unions offer an alternative to traditional banks and building societies for saving and borrowing. They can sometimes beat the rates on the high street. We explain how to find a credit union, how they keep your money safe, and when you should use them.
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.
How to check your credit report
Grab your file and check your score for free
Checking your credit report is in good shape is important if you want to get a mortgage, credit card, loan and more. The big credit reference agencies try to lure you in with free month-long trials followed by paid subscriptions, but there's no real need to pay at all. Here's how to check them all for free, plus how MSE's Credit Club works.