Loans

£40 gift card when you secure an M&S loan

August 21, 2016

If you’re in the market for a personal loan, perhaps to fund some home improvements or buy a new car, take a look at this offer from MoneySuperMarket and M&S Bank. The basics Anyone successfully applying for a personal loan with M&S Bank via MoneySuperMarket or MoneySavingExpert before December 4 will receive a £40 M&S […]

Read More

The 5 worst ways to pay for Xmas

August 21, 2016

But when it comes to your method of payment, don’t make a rod for your own back! Here are the top five worst ways you can pay for this year’s shopping – as well as some better alternatives. 1. Payday loans Top of the blacklist when it comes to how to pay for Christmas, is […]

Read More

Use our Smart Search tool – and find top loans and credit cards

August 21, 2016

Fierce competition among credit providers has resulted in tumbling personal loan rates and lengthier interest-free credit card offers. But there’s a catch. To be accepted for these ever-keener deals on borrowing, you’ll need an excellent credit score. If you don’t know the shape your credit score is in and your application is rejected, you can […]

Read More

Paying off debt can make more sense than saving

August 21, 2016

Banks, building societies, the government of the day, our parents – there are lots of people telling us we should save money. So it’s perhaps no surprise that we feel bad if we don’t put money aside for the future. But does it make economic sense? Many of us would in fact be better off […]

Read More

How to check your credit score

August 21, 2016

When you apply for any form of credit, such as a credit card, personal loan or mortgage, one of the first things a lender will do is check that your credit score is up to scratch. Your credit score effectively shows how well you’ve managed credit in the past. The higher your score, the more […]

Read More

How to make a PPI claim

August 21, 2016

  It’s been about five years since the British Bankers’ Association gave up its legal fight over the mis-selling of PPI, and decided not to appeal against a court challenge against new mis-selling rules. Since then millions of people affected by PPI mis-selling have claimed compensation, costing the banks somewhere in the region of £24 […]

Read More

Snubbed for credit? How to fight back

August 21, 2016

It means you’ve got access to mega useful products such as a 0% balance transfer credit card – a great place to park lingering debts while you pay them off. Ditto getting the thumbs up on a cheap personal loan with regular fixed payments. But what if your credit score isn’t up to scratch? Would […]

Read More

Loans versus credit cards

August 21, 2016

Loans and credit cards can both provide you with the funds you need – whether that’s to pay for a new car or home improvements – but they work in very different ways. Here’s our rundown of the pros and cons of each to help you decide which is right for you. Credit cards Pros […]

Read More

Could a personal loan work for you?

August 21, 2016

If you’re looking to borrow a substantial sum – whether that’s to fund home improvements or a new car – the limit on a credit card sometimes just won’t stretch far enough. In which case, a personal loan could be a better option. Here are a few reasons why… 1. Competitive interest rates Thanks to […]

Read More

Shop around for the best personal loan

August 21, 2016

Savvy borrowers thinking about using current low interest rates to shop for a new loan or refinance old debts will need to do their homework to find the best personal loan deals. Australia’s official cash rate target may be down to 2 per cent but rates on personal loans range from under 6 per cent, up to […]

Read More