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
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Short Term Loans UK – how they work, their pros and cons, and who can apply
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Personal Loans UK – advantages, disadvantages, and alternatives
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Payday Loans UK – high-cost short-term credit explained, with risks and safer options
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Debt Consolidation Loans UK – how they work, benefits, and potential pitfalls
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Bad Credit Loans UK – tips for improving approval chances and rebuilding your score
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Guarantor Loans UK – how guarantor borrowing works and when it may help
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Homeowner Loans UK – secured borrowing explained for UK homeowners
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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
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At My Loans, our mission is simple: to give you the knowledge, tools, and confidence to borrow responsibly and build a stronger financial future.
What Happens If You Can’t Pay a Guarantor Loan in the UK?
Guarantor loans can provide vital access to credit for borrowers who have been turned down elsewhere due to bad credit or limited credit history. But what happens if you can’t pay a guarantor loan? The consequences can be serious, affecting both the borrower and the...
Do Guarantor Loans Affect Your Credit Score in the UK?
Before applying for a guarantor loan, many borrowers and guarantors ask the same question: Will this affect my credit score? The answer is yes — guarantor loans can have both positive and negative effects on credit ratings, depending on how the loan is managed. In...
How to Use a Personal Loan Calculator to Plan Your Borrowing
A personal loan calculator is one of the easiest ways to understand what a loan will really cost you. By entering the amount you want to borrow, the interest rate, and the repayment term, you can see your monthly repayments and the total cost over time. This simple...
Tesco vs. M&S Personal Loans: Which Is Better for UK Borrowers in 2025?
Looking to borrow in 2025? Tesco Bank and M&S Bank both offer fixed-rate personal loans with competitive APRs, but understanding their differences can help you choose smarter. Tesco’s Clubcard members can access rates as low as 5.8% APR for loans between...
How to Get Approved for Short Term Loans in the UK
Getting approved for a loan isn’t always straightforward, especially when it comes to short term borrowing. Many lenders require affordability checks, credit history reviews, and proof of income before making a decision. If you’re applying for a short term loan in the...
Short Term Loans Bad Credit UK: What You Need to Know
When money is tight, having a poor credit history can make borrowing feel impossible. Many people turn to short term loans for bad credit UK as a quick fix, but while these products are widely advertised, they are not always the safest choice. This guide explains how...
Payday Loans vs Short Term Loans UK: What’s the Difference?
When you’re faced with urgent expenses, it’s easy to feel overwhelmed by the different borrowing options available. In the UK, many people search for payday loans vs short term loans UK, but these two products are not the same. They differ in repayment terms, costs,...
Alternatives to Short Term Loans in the UK | Safer Borrowing Options
Looking for alternatives to short term loans UK? While payday loans and other high-cost credit can provide fast cash, they are often expensive and risky if repayments are missed. The good news is that UK borrowers have safer and more affordable options. From credit...
Navigating Short-Term Loans in the UK: Types, Eligibility & Smart Uses
Types, Eligibility & Smart Uses Looking for clear, trustworthy information on short term loans in the UK? You’re not alone. This comprehensive guide explains the types of short term loans, eligibility criteria, FCA regulations, and the smartest ways to use (or...
My Loans UK – Independent Guide to Loans
My Loans UK Independent Blog Guide to LoansContent Index Disclaimer Introduction Who We Are – About My Loans Understanding the UK Loan Market How to Choose a Safe Loan Provider Reviews, Complaints, and Reputation Consumer Duty & Borrower Rights Frequently Asked...
Tax Implications of Family Loans Explained
Family Loans in the UK: A Complete Guide for 2025Table of Contents Introduction What is a Family Loan? Why Consider a Family Loan? Emotional & Relationship Dynamics Tax Implications in the UK Inheritance Tax (IHT) Considerations Interest on Family Loans Child...
Navigating Loans for Self-Employed Individuals
Navigating Loans for Self-Employed IndividualsSecuring finance as a self-employed person can feel more complex than it is for salaried employees. Without a fixed monthly payslip, freelancers, contractors, and business owners often face stricter affordability checks...
How to Use a Car Finance Calculator: A Guide
How to Use a Car Finance CalculatorCar finance calculators are online tools that help you estimate your monthly car finance payments. By inputting basic information such as the loan amount, interest rate, and agreement length, you can get a clear picture of what you...
The Importance of PCP Quotes: A Guide
Understanding the Importance of PCP QuotesWhen you’re in the market for a new car, understanding your financing options is crucial. One of the most popular methods for financing a car in the UK is through a Personal Contract Purchase, commonly known as PCP. This...
Comparing Unsecured Personal Loans: A Guide
Unsecured Personal Loans UK: A GuideUnsecured personal loans in the UK provide a simple way to borrow money without using your home, car, or savings as collateral. Instead of security, lenders look at your credit history, income, and whether you can afford repayments....
The Basics of Loans Explained: A Guide
The Basics of Loans Explained: A GuideWhen it comes to managing finances, loans are a common tool that many people use. But what exactly is a loan, and how does it work? In this article, we'll break down the basics of loans, covering everything from definitions to how...
Street UK Loans: A Comprehensive Guide
Understanding Street UK Loans: A Comprehensive GuideIn today's world, finding the right financial solution can be daunting, especially when faced with unexpected expenses. Street UK Loans offers a viable option for those needing financial assistance. In this...
Quick Guide to Same Day Business Loans
Quick Guide to Same Day Business LoansIn today’s fast-paced business environment, having quick access to funds can be crucial for small business owners. Whether you’re looking to seize an opportunity, manage cash flow, or cover an unexpected expense, same day business...
Is Debt Consolidation Right for You? A Guide
Is Debt Consolidation Right for You?Debt can feel overwhelming, and the stress of managing it can seep into every aspect of your life. From juggling multiple payments and dealing with high interest rates to keeping track of various due dates, the chaos can be mentally...
Joint Loan Eligibility Calculators: Important Information
Understanding Joint Loan Eligibility Calculators In today’s financial landscape, taking out a loan is a common practice for many individuals and couples. Whether you’re planning to purchase a home, consolidate debt, or finance a major purchase, understanding how joint...
Debt Repayment Calculators: A Guide
Understanding Debt Repayment Calculators: A GuideManaging debt can be overwhelming, but debt repayment calculators can make it easier to create a plan and stay on track. These tools help you understand how long it will take to pay off your debt, what your monthly...
