Borrowing

Guidance on loans, overdrafts, credit cards and understanding how borrowing works. Our articles explain APR, credit ratings, and different lending options for personal and business needs.

Advice About Small Business Loans

Banks remain the top choice for small business loans, but understanding interest rates and loan terms is crucial before borrowing.

APR Explained

APR is the yearly interest cost of a loan including fees and charges, but it doesn't cover late payments or early repayment penalties.

Borrowing from the Bank

How to borrow money from your bank responsibly and avoid overstretching your finances.

Career Development Loans Explained

Career development loans let you borrow £300 to £8,000 for vocational courses, but the government scheme ended in 2019.

Getting the Right Personal Loan

Understand the difference between secured and unsecured loans to choose the right personal loan for your needs.

How Banks Are Squeezing Out Low Income Borrowers

Banks are ignoring thousands of struggling customers and hitting them with excessive charges instead of offering help.

Introduction to Loans and Charging Orders

Understand how secured and unsecured loans work and what happens when lenders use charging orders against your property.

Overdraft Rates Now at Record High

Banks are charging overdraft rates at their highest level in a decade, averaging 14.2 percent despite the base rate sitting at just 0.5 percent.

Top Five Credit Cards for Christmas Shopping

Compare the best credit cards for Christmas spending and see which rewards, cashback and interest-free offers suit your budget.

Your Credit Rating Explained

How your credit rating affects your ability to borrow and what lenders actually look at when they assess your financial risk.