Explore Our Loan & Credit Guides
Our guides cover every major borrowing option in the UK, explained clearly so you can make informed decisions.
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
Credit Guides
Car Finance Guides
Money Tips
Why Trust My Loans?
✅ Independent loan and credit guides for UK borrowers
✅ Clear explanations of borrowing types, repayment terms, and eligibility
✅ Practical tips to improve your credit score and avoid high-cost credit traps
✅ Direct links to trusted resources:
At My Loans, our mission is simple: to give you the knowledge, tools, and confidence to borrow responsibly and build a stronger financial future.
Alternatives to Payday Loans | Safer Borrowing Options
Payday loans are often marketed as a quick fix for cash emergencies, but they are not the only option available. Whether you’re facing an unexpected bill, car repair, or temporary cash shortfall, there are several alternatives to payday loans that may offer lower...
Payday Loans with Bad Credit | Direct Lender Options
If you’ve been refused credit elsewhere and are wondering whether you can still get a payday loan with bad credit, you’re not alone. Thousands of people in the UK search every month for options like “payday loans with bad credit” or “direct lender payday loans”. While...
Personal Loan Debt Consolidation UK – Is It Right for You?
Juggling multiple credit cards, overdrafts, or loans can be stressful and expensive. A debt consolidation loan allows you to combine everything into a single monthly repayment, often at a lower interest rate. In 2025, UK lenders from high street banks to online...
Emergency Loans UK – How to Borrow Fast in 2025
When an urgent expense hits — like car repairs, medical bills, or a broken boiler — quick access to funds can be essential. In 2025, emergency loans in the UK provide a way to borrow fast, with some lenders offering same-day decisions and payouts. This guide explains...
Top 10 Personal Loan Providers UK 2025 – Rates, Features & Eligibility
The UK personal loan market in 2025 offers more choice than ever, with banks, supermarkets, online lenders, and credit unions all competing for borrowers. The best deal for you depends on your credit score, loan size, and repayment term — but comparing providers side...
Best Debt Consolidation Loans UK 2025 | Top Options
Managing multiple debts can feel overwhelming, especially with credit cards, overdrafts, and personal loans all charging different interest rates. A debt consolidation loan can simplify your finances by rolling everything into one fixed monthly repayment — often at a...
Best Bad Credit Loans UK 2025 – Top Lenders Compared
Having a poor credit score, CCJs, or past defaults doesn’t mean borrowing is out of reach. In 2025, several UK lenders specialise in products designed for people with bad credit — offering smaller loans, flexible repayment terms, and eligibility checks that won’t harm...
Home Repair Loans UK – How to Cover Unexpected Costs in 2025
A leaking roof, broken boiler, or urgent plumbing issue can quickly turn into an expensive problem — often when savings aren’t available. In 2025, home repair loans in the UK provide a way to spread the cost of essential fixes into manageable monthly repayments. This...
Green Energy Loans UK – How to Finance Eco-Friendly Home Improvements in 2025
Eco-friendly upgrades such as solar panels, insulation, heat pumps, and EV chargers can cut energy bills and boost property value — but they require a significant upfront investment. In 2025, green energy loans in the UK provide a way to spread the cost of sustainable...
Moving House Loans UK – How to Cover Relocation Costs in 2025
From deposits and removal vans to solicitor fees and new furniture, moving house in the UK can quickly add up to thousands of pounds. Not everyone has savings set aside to cover these costs upfront. In 2025, moving house loans in the UK provide a way to spread...
Education Loans UK – How to Fund Studies and Professional Courses in 2025
Not all education in the UK is covered by government student finance. Postgraduate degrees, professional qualifications, and private training often require self-funding — with tuition fees and course costs running into thousands of pounds. In 2025, education loans in...
Holiday Loans UK – How to Spread the Cost of Travel in 2025
Holidays can be some of the most rewarding experiences of the year, but they often come with a price tag that’s hard to cover upfront. From flights and hotels to all-inclusive packages and once-in-a-lifetime trips, the costs can add up quickly. In 2025, holiday loans...
Best Personal Loans UK 2025 – Top Lenders Compared
The UK personal loan market in 2025 is more competitive than ever, with high street banks, supermarkets, online lenders, and credit unions all offering products to suit different needs. Choosing the right provider can save you hundreds in interest and ensure...
Medical Loans UK – How to Finance Healthcare Costs in 2025
While the NHS covers most essential treatment, waiting lists, private care, and specialist procedures mean many people face out-of-pocket medical expenses. From dental work and fertility treatment to cosmetic surgery and urgent private healthcare, costs can run into...
Car Loans UK – Personal Loan vs Hire Purchase vs PCP in 2025
Buying a car in 2025 usually means more than just choosing the right vehicle — it also means deciding how to pay for it. In the UK, the three main options are a personal loan, hire purchase (HP), or personal contract purchase (PCP). Each has its own advantages,...
Home Improvement Loans UK – How to Finance Renovations in 2025
Planning a new kitchen, loft conversion, or energy-efficient upgrade can transform your home’s value and comfort — but the upfront costs are often daunting. In 2025, home improvement loans in the UK provide a way to spread renovation expenses into affordable monthly...
Bad Credit Personal Loans UK 2025 | Complete Borrowing Guide
Defaults, CCJs, or missed payments don’t have to shut you out of borrowing. In 2025, UK lenders still offer options for people with less-than-perfect credit — from credit unions and guarantor providers to online specialists. This guide explains how bad credit personal...
How Much Can You Borrow with a Guarantor Loan?
If you’re considering a guarantor loan, one of the first questions you’ll likely ask is: “How much can I actually borrow?” The answer isn’t the same for everyone. While most guarantor lenders in the UK advertise loans between £1,000 and £15,000, the amount you’re...
How to Apply for a Guarantor Loan in the UK: Step-by-Step Guide
Guarantor loans are designed for borrowers who may struggle to get approved for credit due to poor or limited credit history. If you’re ready to move forward, you may be wondering: how do I apply for a guarantor loan? This guide walks you through the full application...
Loan Guarantors Explained: Who Can Be a Guarantor
When applying for a loan with poor credit, lenders may ask for a loan guarantor. But what does that mean, who can act as a guarantor, and what responsibilities are involved? In this guide, we explain the role of guarantors in the UK, how they affect the loan...
Direct Lender Bad Credit Loans: With and Without Guarantor
When you’re searching for a loan with poor credit, you’ll often come across two terms: direct lenders and guarantor loans. But what does “direct lender” really mean, and how do loans with or without a guarantor compare? This guide explains everything you need to know...
