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.

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What happens if you are unable to pay back your loan?

When you miss a payment on your loan, you'll be charged a fee. You may be issued with a County Court Judgement or have to declare yourself bankrupt if you continue to miss payments.

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Should you consolidate your debts?

If you are struggling to keep up with your loan payments, consolidating your debts could help you take back control. Here is how it works and when you should do it.

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Can you borrow money for someone else?

While it's possible to take out a loan on someone else's behalf, it carries a lot of risk. Make sure the person you are borrowing for can afford to repay you, or you could be saddled with an unwanted debt.

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How to apply for a loan

You can apply for a loan online, by phone, by post or in branch, depending on the lender. Here's how the loan application process works and what you need to do.

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Should you borrow against your home?

Should you borrow against your house? Find out if taking out a secured loan against your home is sensible or something to avoid.

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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.

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

Getting a loan when you're self-employed can be tricky. But there are still plenty of options. Here's what you need to know to get a loan when you're self-employed.

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How your credit record affects the loan you get

Your credit record has a big impact on the type of loan you can get and how much it will cost. Here is how your credit history affects your loan application and what you can do about it.

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Should you be a guarantor for a loan?

Being a guarantor means helping someone else get a loan. If they fail to meet the repayments, you'll have to pay them instead. It's a serious financial responsibility and one that should not be taken lightly. Before you agree to become a guarantor, you need to consider the risks.

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4 ways to borrow a small amount of money

Sometimes borrowing a small amount can be trickier or more expensive than taking out a larger loan. Here are some of the cheapest ways to borrow if you only need a small sum.

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