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The truth behind 0% car finance

If you’re thinking of buying a car, you’ve probably come across 0% finance deals. But what are they and is it all a bit too good to be true? Before signing up for any finance, it’s important to research every deal and make sure you’re equipped with the correct knowledge.

Can I apply for credit if there's a default notice on my credit history?

If you’re struggling to pay off debt, you may have been issued a default notice by a lender. These appear on your credit file and usually happen if you’ve been unable to make your repayments or you’re making them late on a regular basis. Here we look at what you can do if you have a default and what kind of credit you might be able to apply for with one.

How a joint mortgage affects your finances

A joint mortgage is a loan taken out by two people who want to buy a property together. Everyone named on the mortgage is responsible for repayments, but you can choose how you share the equity.

How to get your first credit card

Credit cards work in the same way as debit cards but the money doesn’t come directly out of your bank account. Instead, you’re allocated a set amount of funds within your credit card account - known as your credit line - which you can spend as you wish.

What are the different credit score ranges?

There are currently three credit reference agencies in the UK - TransUnion, Experian, and Equifax. All three use various methods to calculate your credit score, meaning there isn’t a universal credit score.

Everything you need to know about student loan interest rates

The date you start repaying your student loan and how you’ll have to pay depends on which repayment plan you’re on and the interest rate. The amount you repay changes in April every year and you’ll also stop repaying if your income drops below a certain amount.

How do payday loans work?

Payday loans are short-term loans designed to help people until their next payday. The money is paid directly into your bank account and you repay the money in full with charges and interest at the end of the month.

How to find the best personal loan for you

Personal loans can be taken out for any number of things, be it a wedding, new car or home improvements. There are lots of different rates on offer, and before you apply it’s worth taking a look at your finances to see how much taking a loan out will cost you, and how long it’ll take before you can pay it back. Here are five steps to finding the best personal loan for you.

How to save money on car maintenance

If you’ve got a car and it needs a repair, it can be extremely frustrating to be told that the cost of fixing it could amount to hundreds of pounds. But there are loads of things you can do to prevent problems arising in the first place, as well as others which can stop costly car maintenance fees from spiralling. Here are five…

What NOT to do if you're new to the UK

Moving to a new country is hard and things can be confusing unless you have help. That’s why we wanted to help you if you’ve recently moved to the UK. The list of do’s and don’ts could go on forever but here are some simple yet important things that you should try to avoid if you’re new to the UK as they could make life even more difficult for you.

How to make money working from home

If you’re one of the growing number of people who want to ditch the 9-5 and start working from home, it’s likely you’ll want to know how to earn money and support yourself without getting out of your pyjamas.

The economics of going vegetarian

Though you might not like the idea of giving up meat, have you ever considered how much money you could save if you cut down or removed it completely? If not, we’ve gathered some facts and figures that may make you think twice.

What is National Insurance?

National Insurance (NI) is something which most people in the UK have to pay if they’re employed, along with income tax. But many people don’t even know what it is. Do you know where this hard-earned money of yours goes every month? If not here’s a simple guide.

What Does The New National Living Wage Mean For You

What is the difference between the National Minimum Wage (NMW) and the National Living Wage (NLW)? The main difference is that the NMW is paid to under 25’s, whereas the National Living Wage is the agreed minimum rate paid for over 25’s.