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Loans Guides

We've collated our most popular and most recently-published loan guides in one place for you. Designed to help you through the basics as well as more complicated issues, browse our entire back catalogue today.

Ready to compare rates? Browse today's best personal loan and secured loan rates.

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Our most popular loans guides

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12 steps to clear your debt

Acting on your finances and reviewing existing credit agreements can help you get debt-free, so you don't get trapped in a vicious circle. Read our guide to find out more about how to become and stay debt-free.

Acting on your finances and reviewing existing credit agreements can help you get debt-free. Read our guide to find out more.

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How to improve your credit score

Our guide sets out 11 steps to boosting your credit score and tell you what to do and what to avoid to increase your credit scrore.

Our guide sets out 11 steps to boosting your credit score and tell you what to do and what to avoid to increase your credit scrore.

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What is an APR?

The annual percentage rate, is used as an indicator of the interest and charges you would have to pay back on an unsecured loan or credit card per year.

The annual percentage rate, is used as an indicator of the interest and charges you would have to pay back on an unsecured loan or credit card per year.

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Should I avoid payday loans?

Payday loans offer easy loans up to around £1000 a month typically charging very high interest rates. Find out more about payday loans in our guide.

Payday loans offer easy loans up to around £1000 a month typically charging very high interest rates. Find out more about payday loans in our guide.

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How does being self-employed impact your finances?

What you need to know about how being self-employed can impact your finances.

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Loans glossary

Loan terminology explained - get a full understanding of loans and the terminology behind them before applying. Read out guide to find out more about key terms.

Loan terminology explained - get a full understanding of loans and the terminology behind them before applying. Read out guide to find out more about key terms.

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What are the best unsecured personal loans in 2022?

The Moneyfacts annual personal loans ratings are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

The Moneyfacts annual personal loans ratings are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

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Can I get a guarantor loan?

Guarantor loans are used by people with no or a bad credit history. In this type of loan a 'guarantor' guarantees the lender that they will repay the loan if the person who has taken it out cannot. Find out more here.

In this type of loan a 'guarantor' guarantees the lender that they will repay the loan if the person who has taken it out cannot.

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Everything you need to know about Open Banking

Open Banking is a practice that allows you to securely share your financial data with authorised third-party providers, such as budgeting apps or other banks, through APIs. Depending on the app or service, you can also give them permission to make payments directly from your account.

Open Banking is a practice that allows you to securely share your financial data with authorised third-party providers such as apps or other banks, through APIs

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UK inflation explained - and how to deal with it

Whether you are looking to invest for your future, save for retirement, or find your perfect mortgage you have probably come across a term called inflation. With its widening effect, it is important to understand what inflation is, why it is necessary, and how it affects the economy.

Whether you are looking to invest for your future, save for retirement, or find your perfect mortgage you have probably come across a term called inflation.

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Should I use a loans broker?

Whether you’re seeking a loan for home improvements, a new car, to consolidate debts or for any other reason, your top priority will likely be getting the best deal possible. But how can you make sure of that?

Whether you’re seeking a loan for home improvements, to consolidate debts or for any other reason, your priority will be getting the best deal possible.

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10 ways to keep your money safe from online scams

Worried about being targeted by a scam? Here are 10 ways to keep your money safe from online scammers.

Worried about being targeted by a scam? Here are 10 ways to keep your money safe from online scammers.

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What should you do if you are scammed?

If you’ve fallen victim to a scam, you need to act quickly to ensure things don’t get any worse. If you were targeted online you should change your passwords as soon as possible – particularly those for your bank and other financial accounts – and you’ll need to inform the relevant authorities.

If you’ve fallen victim to a scam, you need to act quickly to ensure things don’t get any worse.

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How to protect yourself from scams

It’s never been more important to be on your guard when it comes to potential scams. Fraudsters are getting ever-more sophisticated in their methods and it can be increasingly difficult to spot when you’re being targeted, so here we look at how to protect yourself from scams to keep your money safe.

Fraudsters are getting more sophisticated in their methods, so here we look at how to protect yourself from scams to keep your money safe.

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What are the best unsecured personal loans in 2022?

The Moneyfacts annual personal loans ratings are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

The Moneyfacts annual personal loans ratings are out now. We've reviewed hundreds of products to find those that deserve the top marks of five-stars.

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What happens to your debt when you die

Here, we take a closer look at what will happen to outstanding mortgage and lifetime mortgage (a type of equity release) debt and any loans, credit cards and similar unsecured credit agreements you have, and how you can prepare accordingly.

We take a closer look at what happens to outstanding mortgages, debt, loans and credit card and other credit agreements and how you can prepare accordingly.

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