Guides
Articles, guides, and tips about loans, finance, and money management.
APR vs Interest Rate: What's the Real Cost of Borrowing?
Understand the difference between APR and interest rate. Learn how fees affect borrowing costs and compare loans accurately in the UK.
How Much Can I Borrow? Affordability Explained (UK)
Calculate how much you can afford to borrow. Understand UK affordability rules, income multiples, and credit requirements.
Should You Refinance Your Loan? UK Guide
Find out if refinancing your loan makes sense. Calculate break-even points, compare savings, and understand when refinancing pays off.
Debt Snowball vs Avalanche: Which Pays Off Debt Faster?
Compare debt snowball and avalanche methods. See which strategy saves more money and pays off debt faster with real UK examples and calculations.
Overpayment: How Much Can You Save? (with Examples)
Discover how much you can save with loan overpayments. Real examples show how £50-£200 extra per month reduces interest and clears debt faster.
Fixed-Rate vs Variable-Rate Loans: Which Should You Choose?
Compare fixed and variable rate loans. Learn the pros, cons, and risk factors to choose the right loan type for your financial situation.
How to Calculate Loan Payments (Formula + Examples)
Learn how to calculate loan payments manually using the amortisation formula. Step-by-step examples with UK APR rates and real calculator comparisons.
Is a Personal Loan Right For Me? Complete UK Guide
Find out if a personal loan is right for you. Compare fixed vs variable rates, understand APR, and learn when borrowing makes financial sense.
How UK Loan Repayments Work
Understand how loan repayments work in the UK. Learn about APR, amortisation, interest calculations, and how to reduce borrowing costs with clear examples.
How Compound Interest Works
Understand compound interest with UK examples. See how savings grow over time, compare simple vs compound interest, and calculate your own returns.
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