Credit Explained: Articles on Scores, Reports & Tips
At My Loans, we believe credit should be straightforward and stress-free.
Our guides explain everything from building and improving your credit score to understanding how personal loans, short term loans, and bad credit loans work in the UK.
With practical tips and transparent advice, you’ll be equipped to make smarter borrowing choices and manage your credit with confidence.
Explore Our Latest Articles
Clear Credit Guides for UK Borrowers
Understanding credit can be confusing, especially if you’ve faced challenges with your credit history. Our guides explain the essentials in plain language — from how credit scores work and what impacts them, to practical steps for rebuilding credit and finding products suited to your circumstances. Whether you’re exploring credit cards for bad credit, looking into guarantor loans, or weighing up short term borrowing, you’ll find clear, actionable advice designed for UK borrowers.
Why Trust My Loans?
We create independent credit guides that cut through jargon and focus on what really matters: improving your financial health. You’ll learn about eligibility checks, repayment terms, and how to avoid high-cost credit traps. Plus, we link you directly to trusted resources such as MoneyHelper, Citizens Advice, and the FCA Register so you can verify lenders and make informed, confident choices.
Benefits and Risks of 0% Interest Credit Cards
0% APR and Interest-Free Credit Cards in the UK: A GuideIf you’ve ever seen adverts for 0% APR credit cards or wondered what does 0 APR mean?, you’re not alone. For many in the UK, these cards can be a useful financial tool, offering a period where you don’t pay...
How to Choose No Credit Check Cards
Instant Credit Cards: What You Need to KnowFor many people in the UK, getting approved for a credit card can feel like a challenge. This is especially true if you have a history of bad credit, are on benefits, or need access to funds quickly. In these cases, instant...
How to Improve Credit for Long-Term Loans
Long Term Loans in the UK: Your Complete GuideWhen you need to borrow money, the right loan term can make all the difference. While short-term loans are designed for quick repayment, long term loans UK spread repayments over a longer period, reducing monthly costs and...
Building Credit in the UK: Essential Tips
How to Build and Improve Your Credit Score in the UK Introduction Your credit score plays a vital role in your financial life. From mortgage applications to mobile phone contracts, lenders use your score to decide whether to approve you. Many people wonder what’s the...
Top Fair Credit Loan Lenders Reviewed
Top Fair Credit Loan Lenders ReviewedWhat is a Fair Credit Score?Before diving into lenders, it's crucial to understand what constitutes a fair credit score. Typically, a fair credit score ranges from 580 to 669 on the FICO scale....
Understanding the Credit Union Loan Process
Understanding the Credit Union Loan ProcessApplying for a loan can be a daunting task, especially if you are not familiar with the ins and outs of the financial world. However, credit unions offer a unique and often more...
