Your Guide to Smarter Borrowing

Clear Loan Guides for UK Borrowers

Finding the right loan can feel overwhelming. Whether you’re looking to consolidate debt, cover an unexpected expense, or explore credit options with bad credit, our loan guides break down the essentials in plain English.

Our Pillar Loan Guides

Short Term Loans UK – how they work, their pros and cons, and who can apply
Personal Loans UK – advantages, disadvantages, and alternatives
Payday Loans UK – high-cost short-term credit explained, with risks and safer options
Debt Consolidation Loans UK – how they work, benefits, and potential pitfalls
Bad Credit Loans UK – tips for improving approval chances and rebuilding your score
Guarantor Loans UK – how guarantor borrowing works and when it may help
Homeowner Loans UK – secured borrowing explained for UK homeowners
Business Loans UK – options for financing growth, cashflow, or new ventures

We cut through jargon with practical, easy-to-follow articles, so you understand the true cost of borrowing and the best options for your situation.

Why Trust My Loans?

✅ Independent financial guides designed for UK borrowers
✅ Clear explanations of loan types, repayment terms, and eligibility
✅ Tips on improving your credit score and avoiding high-cost debt traps
✅ References to trusted resources like MoneyHelper, Citizens Advice, the FCA, the FCA Register, StepChange, and National Debtline

Popular Loan Topics

Looking to understand your borrowing options? Explore some of our most-read UK loan guides:

• What Are Short Term Loans? – Learn how short term loans work, including repayment terms, interest rates, and the risks. See also our Payday Loans Guide for high-cost short-term credit comparisons.

• Are Personal Loans Right for Me? – Discover the advantages, disadvantages, and alternatives of personal loans. If you’re consolidating debt, explore Debt Consolidation Loans UK.

• Can I Get a Loan with Bad Credit? – Explore strategies to improve approval chances and rebuild your score. Related: Guarantor Loans and Credit Cards for Bad Credit.

• Homeowner Loans – Learn how secured homeowner loans compare with Business Loans and other forms of credit. Always check lenders on the FCA Register.

Each guide is written with clear, practical advice so you can make informed borrowing decisions. For impartial support, visit MoneyHelper, Citizens Advice, StepChange, or National Debtline.

My Loans UK – Start Making Informed Decisions

Loans can be a useful financial tool — but only when used wisely. Choosing the wrong type of loan, overlooking hidden fees, or borrowing without a repayment plan can quickly lead to financial stress.

At My Loans UK, our mission is to give you the knowledge, guidance, and confidence to make borrowing work for you, not against you.

Whether you’re considering a personal loan to cover larger expenses, a short term loan for urgent cash flow, or a bad credit loan as a way to rebuild your profile, our in-depth guides explain:

• Pros and cons of each loan type

• Eligibility criteria and affordability checks

• Repayment terms and potential risks

• Safer alternatives you may not have considered

👉 Explore our latest guides and resources today and take your first step towards smarter, more responsible borrowing in the UK.

Loan Resources & Tools

At My Loans, we go beyond articles — we provide resources to help you plan, compare, and manage borrowing more effectively.

📊 Loan Comparison Guides – side-by-side breakdowns of short term loans, personal loans, and bad credit loans
💡 Practical Money Tips – everyday advice on budgeting, credit card use, and avoiding high-interest debt
🔍 Eligibility Insights – how lenders assess applications and what you need to apply
📈 Credit Score Improvement Strategies – step-by-step ways to rebuild your credit and unlock better borrowing terms

These resources are designed to give you a clear, unbiased picture of your options, so you can choose the path that aligns with your financial goals.

👉 Whether you’re borrowing for the first time or working to improve your credit history, our tools and guides are here to support you every step of the way.

What Lenders Look For in Short Term Loan Applications

Credit Score and History

Your credit file is one of the first things lenders check. Missed payments, defaults, or County Court Judgments (CCJs) can reduce your chances. However, having a poor score does not mean automatic rejection. Some lenders specialise in short term loans for bad credit, as long as you meet affordability requirements.

Income, Employment and Affordability Checks

Lenders will review your income and monthly outgoings to confirm that repayments are realistic. Regular employment or consistent benefits income increases your approval chances. As a result, borrowers with stable income often find it easier to get approved than those with fluctuating earnings.

Documents You May Need to Provide

During the application, you may be asked for:

• Bank statements

• Payslips or proof of benefits

• Proof of ID and address

Having these documents ready can speed up approval.