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.

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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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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What to do next if you are refused a loan

Finding out you have been rejected for a loan can be hard to take, especially if you are in financial difficulty. This guide will explain what you can do next.

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Why you should avoid payday loans

Payday loans are a way to get cash fast, but they can be financially dangerous. Here are some alternatives to pay day loans, and what to do if you're struggling to repay a payday loan.

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How to get a business loan

If you want to take your business to the next level but don’t have the funds to do so, you could consider getting a business loan.

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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.

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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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Loans for Peer to peer lending December 2021

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.

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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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What type of loan is right for you?

Picking the right type of loan could make your borrowing cheaper, easier to manage and lower risk. Here is how to choose the right type of loan for your needs.

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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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