>
Loans>
Guides

Loans guides

We have scrutinized loans to explain how to reclaim PPI charges, the difference between secured and unsecured loans, business loans and essential top tips you must read before you borrow.

hand writing notes and using a calculator

How to Apply for a Loan

Follow this comprehensive step-by-step guide to boost your chances of being approved for a loan.

How To Reduce Your Loan Repayments

Take control of your outstanding debts by reducing the monthly costs of unsecured loan repayments.

Can you get a loan if you are unemployed?

If you are not in regular employment, you will struggle to get a standard loan from a high street lender. A specialist lender may be able to help you, but borrowing may come with higher costs.

Loans for Peer to peer lending June 2025

Peer to peer lending is also known as P2P or crowdfunding. It matches savers wanting a high return with borrowers needing a low interest rate. Peer to peer is closer to investing than it is to saving.

The word loan is spelt over four wooden blocs, with two male figurines placed next to them.

How to borrow money with bad credit

You can get a personal loan with bad credit, but the rates will likely be high. It can be harder to get a loan with bad credit, and it may be worth trying to improve your score before you apply for a loan.

What loans can you apply for when you're self employed?

Getting a loan when you are self-employed can be harder, but it’s not impossible. Here's everything you need to know including which options are available and how to maximise your chances.

What is interest?

Borrowing costs money. A lender will usually charge a borrower a percentage of the money lent, rather than a flat fee. This is called interest. This guide covers the basics of how interest works, what it is and what it means for your finances.

How to get a guarantor loan

Asking a friend or family member to be a guarantor could help you get the loan you need. Here is how guarantor loans work and everything you need to know about them.

Paper houses, a magnifying glass and a calculator on a table looking down from above.

What Is A Homeowner Loan?

A homeowner loan lets you borrow money against the value of a house or flat you own. Find out if a homeowner loan is right for you with our quick guide.

How to Spot Loan Scams and Avoid Them

Discover what loan fraud is and how to protect yourself against loan scams.

What Does Annual Percentage Rate of Charge (APRC) Mean?

The annual percentage rate of charge is a useful tool for comparing mortgage and loan products. Here’s how to use it effectively.

Serious young business owner using laptop in his workshop

How borrowing could boost your business

With the right type of borrowing you could pursue business opportunities that would otherwise pass you by, here's how.

Why the Bank of England keeps raising rates

We thought this might be the one, the first time since 2021, that the Bank of England didn’t raise interest rates. It wasn’t.

And when will it stop

A picture of two credit cards on top of a laptop keyboard

What is a credit record?

It is a record of your financial history, including details of when you have borrowed money and the repayments you have made. Here is what else it shows.