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When people in the UK look for borrowing options, they often come across three common routes: credit unions, traditional lenders, and loan brokers. On the surface, all of these can help you secure a loan, but the way they work—and the experience you’ll have as a borrower—can be very different. we connect borrowers with trusted…

Taking out a personal loan can already feel like a big step, but if you’re receiving Universal Credit or other benefits, it can raise even more questions. Many people wonder what happens to a loan when you’re on Universal Credit / benefits, whether their payments are affected, and how lenders view their applications. Understanding how…

Over the past few years, the UK has faced persistent price rises that make everyday life feel more expensive than ever. How living costs inflation affects borrowing capacity in 2025-26 is a concern for many people planning to take out a personal loan or manage existing repayments. Understanding the link between inflation, your disposable income,…

Borrowing money in the UK has changed dramatically over the past decade. Not long ago, securing a loan meant stacks of paperwork, appointments at the bank, and plenty of waiting. Fast forward to today, and many borrowers apply for loans without ever leaving their homes. This raises a common question: are paper loans still relevant,…

If you’ve ever tried applying for a loan or credit card in the UK with a thin or poor credit history, you’ll know how frustrating the process can be. Lenders look at your credit score as one of the biggest factors in deciding whether to approve your application. But what if you don’t have much…

The financial world in the UK has changed dramatically in recent years. Not too long ago, applying for a loan meant piles of paperwork, long waits, and sometimes even a face-to-face meeting at your local bank branch. Fast forward to today, and the lending space looks very different. Much of that transformation comes down to…

If you’ve been turned down for a personal loan because of your credit history, you might have come across something called a guarantor loan. But what is it really—and more importantly, is it worth it? In simple terms, a guarantor loan is a type of borrowing where someone else—usually a friend or family member—agrees to…

When you’re applying for a personal loan, time matters. Whether it’s to cover a pressing expense, consolidate debt, or fund something important, you want to know: how long does it actually take to get a personal loan approved in the UK? Is it a same-day thing—or are you in for a week of waiting and…