Be smarter with your money

We've put together some helpful guides for you.

Featured guides

How to borrow money online safely

Avoid scams and find FCA-authorised lenders. Learn the safe way to apply online.
Read guide: How to borrow money online safely
APR explained: understanding the true cost of borrowing

Understand Annual Percentage Rate and how it affects your loan costs.
Read guide: APR explained: understanding the true cost of borrowing
Emergency loans: your options when you need money urgently

Need cash fast? Explore quick funding options for financial emergencies.
Read guide: Emergency loans: your options when you need money urgently

Loan guides

These guides will help you find out more about the different types of loan and lenders available.

Scammers pretending to be Payday UK: how to spot them and what to do

Criminals are using the Payday UK name to ask people for upfront fees. Here's how to spot them, how to check it's really us, and what to do if you've been targeted.
Read guide: Scammers pretending to be Payday UK: how to spot them and what to do
Alternatives to payday loans: cheaper ways to cover a gap

Cheaper and free options to check before you take out a payday loan.
Read guide: Alternatives to payday loans: cheaper ways to cover a gap
How to get a loan as a student

Personal loans for students: types, criteria, and when they're worth it.
Read guide: How to get a loan as a student
Direct lenders vs credit brokers: what’s the difference?

Understand the difference between direct lenders and brokers to make the right choice.
Read guide: Direct lenders vs credit brokers: what’s the difference?
Logbook loans: what they are and how they could cost you your car

Secured loans against your car: critical warnings and safer alternatives.
Read guide: Logbook loans: what they are and how they could cost you your car
Loans for young people: your first credit guide

Can a young person get a loan with no credit history? What lenders check, how to build credit from nothing, and the cheaper options to try first.
Read guide: Loans for young people: your first credit guide
Loans for unemployed people: can you get one?

Learn what your borrowing options are when you're between jobs.
Read guide: Loans for unemployed people: can you get one?
Payday loan comparison: how to compare short-term loans

What to compare beyond the APR, from the total you'll repay to what happens if a payment fails.
Read guide: Payday loan comparison: how to compare short-term loans
What are no credit check loans and do they exist?

Find out why no credit check loans don’t exist in the UK and how lenders assess affordability. See the legitimate options if you have bad credit or no credit history.
Read guide: What are no credit check loans and do they exist?
What are guarantor loans and how do they work?

A guide to guarantor loans, how they work and who can be one.
Read guide: What are guarantor loans and how do they work?
Emergency loans: your options when you need money urgently

Need cash fast? Explore quick funding options for financial emergencies.
Read guide: Emergency loans: your options when you need money urgently
Doorstep loans: what are they and are they still available?

Doorstep loans are still available in some areas, but they're expensive. Find out how home credit works, how to check a lender and what to try first.
Read guide: Doorstep loans: what are they and are they still available?
APR explained: understanding the true cost of borrowing

Understand Annual Percentage Rate and how it affects your loan costs.
Read guide: APR explained: understanding the true cost of borrowing
Loans for people on benefits: can I get one?

Explore government support, interest-free advances and responsible borrowing options if you're receiving benefits.
Read guide: Loans for people on benefits: can I get one?
How to borrow money online safely

Avoid scams and find FCA-authorised lenders. Learn the safe way to apply online.
Read guide: How to borrow money online safely