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6 reasons to choose a loan instead of a credit card

It’s likely that you’ll have to borrow money at some point in your life, but whether you need funds for a new car, holiday or home improvements, should you choose a credit card or a loan? We’ve rounded up the 6 best reasons why a loan might be the best choice for you.

10 ways to avoid financial fraud

Financial scams are now more intelligent than ever before and it’s important to understand that it’s not just the elderly and vulnerable people that are targeted. In reality, it’s very easy to become a victim but the best way to prevent financial fraud is knowledge.

5 steps to switching energy provider

If you’ve never switched utility providers before, you probably think it’ll be a long and confusing process. But in reality, it’s simple, quick and anyone can do it.

4 Tips to Maximise Your Savings

Having some back-up cash in your savings can make you feel a little more secure in life. We all know how hard it can be to put money away though, especially if you often get to the end of the month without much left in the bank. Our tips will help you top up your savings and make the most of the money you do have.

How Bank of England base rate increases could affect you

The Bank of England’s base rate is the rate of interest we pay on the reserves held by banks at the Bank of England. Banks normally pass this rate onto customers, which affects the amount savers earn and borrowers pay.

12 steps to slash your car insurance premiums

Whether you’re male, female, young or old, car insurance premiums can be a huge expense. Instead of allowing your insurance to auto-renew every year, a few simple factors could potentially save you hundreds of pounds.

How a balance transfer credit card works

A balance transfer is when you move debt from one credit card to another. For example, if you’ve got multiple debts spread around, by paying them off with one card, you’ll reduce interest payments and can focus on paying one debt off.

Getting A Mobile Phone With a Poor Credit Rating

Mobile phones are really important, right? We use our mobiles all the time (stats from 2017 found that millennials check their phones up to 150 times a day). Often our whole lives are stored on our phones. Our contacts, our photos even our text messages are all part of our personal history. Without a decent phone, it feels like we can’t fully participate in the world.

6 ways to downsize your debts

Borrowing money is normal for lots of people but too much debt can be expensive, stressful and affect your chances of borrowing in the future. If you’re worried about debt, don’t panic - remember that it is possible to take control.

9 ways to save for your mortgage deposit

Saving up for a mortgage deposit can seem daunting, but there are plenty of things you can do that’ll not only help you reach your savings goals sooner but also your dream home.

6 ways to get a better loan rate

It’s likely that you’ll need to take a loan out at some point in your life to pay for a large purchase or help with an expense. If that’s the case, you’ll probably want to make your borrowing go as far as possible. But getting the best loan rate doesn’t just depend on how much you want to borrow.

How to choose the right credit card

If you’re looking for a credit card, there are lots of questions you need to ask yourself first. Why do you want one? Will you be paying off what you owe every month? Or do you want to spread the repayments over time?

Hard searches vs soft searches: what difference do they make to your credit score?

Your credit report contains a lot of information about you which a lender will consider when working out whether they want to lend to you. That covers everything from your address to your existing use of credit and whether you’ve made any late payments on that borrowing. It also includes ‘footprints’ left from previous credit applications, which will then affect your overall score and your chance of being approved for credit in future.

7 ways to improve your credit score fast

A credit score is used by lenders to assess the level of risk in lending to you. The higher your credit score, the more likely you are to be offered reduced interest rates, better offers, and cheaper premiums. But don’t panic if your credit score’s low, as there’s a number of easy ways to improve it fast.