Loans & Credit

A loans and credit information site acts as a digital repository and educational resource designed to help consumers and lenders understand creditworthiness, manage debt, and navigate financial produc

Loans & Credit

Student Loan Interest Capped at 6% for 2026/27: Plan 2 and Plan 3 Rates

Christmas on Credit in 2026: What £800 Costs on a Card, a 0% Deal or a Credit Union Loan

Council Tax Debt in England: What Changed for Bailiffs in May 2026, and What's Still a Year Away

0% Balance Transfer Credit Cards in the UK: How to Actually Clear the Debt Before the Rate Kicks In

BNPL Regulation in the UK: What the FCA's Affordability Checks on Klarna and Clearpay Actually Mean for Borrowers

Breathing Space: How the Debt Respite Scheme Actually Pauses Debt Collection in the UK

Rent Reporting in the UK: How Paying Rent on Time Can Build Your Credit Score

Payday Loans and the FCA Price Cap in 2026: What High-Cost Short-Term Credit Really Costs

Guarantor Loans in the UK: How They Actually Work, and Why It's the Guarantor Taking the Real Risk

What Really Happens If You Only Pay the Credit Card Minimum

0% Balance Transfer Credit Cards in the UK: How They Work, and What the Fees Really Cost

Debt Relief Orders vs IVAs vs Debt Management Plans: What Each One Actually Does to Your Debt in 2026

Credit Card Cash Advances in the UK: Why Withdrawing Cash Is the Most Expensive Way to Borrow

How UK Credit Scores Really Work: Experian, Equifax and TransUnion Explained

How Long a County Court Judgment Stays on a UK Credit File

Second Charge Mortgages in 2026: How They Work and When They Beat Remortgaging

UK Credit Card APRs Have Hit a Record High While Personal Loan Rates Stay Flat — What the Gap Actually Costs You

The FCA Wants to Rewrite Mortgage Affordability Rules — What CP26/18 Could Mean for Your Application

Fixed vs Tracker Mortgages in 2026: Which Is Right as Bank Rate Falls Further

Debt Consolidation Loan Demand Rises as Bank Rate Cuts Reach Personal Loan Pricing

Buy Now Pay Later Regulation Goes Live: What FCA Rules Mean for Your Credit File

Credit Card Minimum Payments: The Real Cost of Paying Just the Floor in 2026

The FCA Motor Finance Redress Scheme Is on Hold: What the July Tribunal Suspension Means for Your Claim

Section 75 of the Consumer Credit Act: How Credit Card Purchase Protection Actually Works

Credit Utilisation Explained: Why How Much You Owe Matters More Than Your Limit

Guarantor Loans in 2026: How They Work, the FCA Rules on Affordability, and Why They're the Costliest Way to Borrow

Credit Builder Credit Cards in 2026: How They Actually Work and Whether They Are Worth It

Buy Now Pay Later Is Finally Being Regulated: What Changes in 2026

Buy Now, Pay Later Is Finally Regulated: What Changes for Klarna, Clearpay and PayPal Pay in 3 Users in 2026

Can't Pay Your Self-Assessment Bill With a Credit Card? What UK Lenders Will (and Won't) Approve in July 2026

0% Balance Transfer Cards in 2026: The Fee, the Cliff Edge, and the Mistake That Restarts the Interest

County Court Judgments and Your Credit File: How a CCJ Affects UK Borrowing — and the 30-Day Rule Almost Nobody Uses

Debt Consolidation Loans in 2026: When Combining Your Debts Actually Saves Money — and When It Quietly Costs More

Overdrafts in the UK: How Arranged and Unarranged Borrowing Really Work — and When to Avoid It

Buy Now, Pay Later Under the FCA in 2026: What the New Rules Mean for Your Credit File

PCP, HP or a Personal Loan? How UK Car Finance Actually Works Before You Sign

How Mortgage Overpayments Work — and When They're Actually Worth Making

Why Fixed Mortgage Rates Can Move Before Bank Rate Does: Swap Rates and the 19 June MPC Decision

Tracker Mortgages and the 18 June Hold: Why Variable-Rate Borrowers Face a Different Summer Than They Hoped

0% Balance Transfer Cards in 2026: The Real Cost, the Revert-Rate Trap, and How to Use One Without Wrecking Your Credit

Soft vs Hard Credit Searches: How to Compare UK Loans Without Damaging Your Score

Your credit score in 2026: what actually moves it in the UK, and the myths that don't

UK personal loans, credit cards and mortgage transfers May 2026: what the rates really mean and the four moves before any application

UK Five-Year Fix Holders Coming Off the Mortgage Cliff in Late 2026: Why October's Refinancing Wave Is Looking at a Different Market From Last Year

UK Mortgage Porting in 2026: How Five-Year Fix Holders Are Trading Up Without Re-Underwriting

UK Help-to-Buy Closure 2026: What Replaces It in May, the Three Schemes That Survived, and the Borrowing Trap First-Time Buyers Are Walking Into

UK Secured Loans in 2026: Why Homeowner Borrowing Surged 22% — and the Trap Most Brokers Don't Explain

Guarantor Loans UK 2026: When They Genuinely Help and When They Wreck Families

Bridging Loans in 2026 UK: How British Property Buyers Use Short-Term Finance Properly — and the Hidden Costs Most Brokers Don't Mention

Buy Now, Pay Later in 2026: The New FCA Rules, the Hidden Credit Score Hit, and When to Actually Use Klarna