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
✅ 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.
Guaranteed Business Loans: A Guide
Understanding Guaranteed Business Loans: A GuideIn today's competitive economic landscape, securing financial support can be a critical turning point for small businesses. Whether you're looking to expand, stabilize operations, or simply navigate through challenging...
Help to Buy Interest Rates
Understanding Help to Buy Interest RatesBuying a home is one of the most significant financial decisions you'll ever make, and understanding the various schemes available to help you get on the property ladder can be overwhelming. One of these options is the Help to...
Mortgage Types: A Comprehensive Guide
Mortgage Types: A Comprehensive GuideWhat is a Mortgage? A mortgage is a type of loan specifically designed to help you buy a property. When you take out a mortgage, you borrow money from a lender, such as a bank or building society, and repay it in monthly...
The Benefits of Lending Guarantees
The Benefits of Lending GuaranteesSecuring a loan can often feel daunting, particularly for small businesses and startups in the UK. Traditional lending requirements, such as strong credit history or significant collateral, can put vital funding out of reach. This is...
Common Mistakes in Debt Consolidation Loans
Common Mistakes in Debt Consolidation LoansDebt consolidation loans can be a lifeline for those in the UK looking to streamline their finances and reduce the stress of juggling multiple repayments. However, the process isn’t always as straightforward as it sounds....
Guarantor Mortgages: A Complete Guide
Guarantor Mortgages: A Complete GuideA guarantor mortgage can make the difference between being declined for a loan and stepping onto the property ladder. A guarantor is someone — usually a close relative — who agrees to cover repayments if the borrower cannot. This...
5k Deposit Mortgages: A Guide
5k Deposit Mortgages: A GuideBuying a home is a monumental achievement for many individuals. However, for first-time buyers, the financial barrier of saving for a large deposit often feels insurmountable. Fortunately, the housing market offers various mortgage...
Instant Loans in the UK: A Guide
Understanding Instant Loans in the UK In today's fast-paced world, financial emergencies can strike at any moment. From unexpected car repairs to sudden medical expenses, these situations often require immediate financial attention. Having quick access to funds can be...
Urgent Same Day Loans: A Guide
Urgent Same Day Loans: A GuideLife can be unpredictable, and financial emergencies often arise when least expected. From a broken boiler in winter to urgent car repairs or sudden medical bills, having fast access to cash can be vital. In the UK, urgent same day loans...
Understanding the Safety of Lendable Loans
The Safety of Lendable Loans In today’s financial landscape, finding a trustworthy loan provider is crucial. With numerous options available, it's essential to understand which lenders offer safe and reliable services. One such provider gaining attention is...
Understanding No Refusal Payday Loans UK
No Refusal Payday Loans UK: What You Need to Know Before ApplyingFinancial emergencies can strike at any time — a broken boiler, urgent car repairs, or an unexpected bill that simply can’t wait until payday. In situations like these, many people turn to instant cash...
Comparing Short Term Loans: Key Factors
Comparing Short Term Loans: Key FactorsIntroduction Short term loans are a common borrowing option in the UK, designed to provide fast access to cash for people dealing with unexpected bills, emergencies, or short gaps in income. With many lenders competing for...
Alternatives to Quick Cash Loans Explained
Alternatives to Quick Cash Loans ExplainedIn today’s fast-paced world, financial emergencies can happen at any moment. From a broken boiler in winter to an unexpected car repair, many households across the UK find themselves looking for immediate financial help. In...
Legal Regulations for Money Lenders UK
Legal Regulations for Money Lenders UKIn the UK, the money lending industry is heavily regulated to protect consumers and ensure fair practices. Whether you're considering borrowing from a money lender or you're a lender yourself, understanding these regulations is...
Tips for Managing Payday Loans Effectively
Tips for Managing Payday Loans EffectivelyManaging payday loans can be challenging, especially if you're juggling multiple financial commitments. However, with the right strategies, you can handle these loans effectively, ensuring they serve as a helpful financial...
Understanding Advance Payday Loans: Pros and Cons
Advance Payday Loans: Pros, ConsWhen money runs short before payday, the temptation to borrow against future income is strong. In the UK, options such as advance payday loans, wage advance UK schemes, payroll advances, and other loans and cash advances provide quick...
Smart Strategies for Borrowing Money Wisely
Smart Strategies for Borrowing Money WiselyIn the UK, it’s not unusual to face situations where you need extra funds quickly. Whether it’s covering an unexpected bill, paying for home repairs, or bridging the gap until payday, knowing the different ways to borrow...
Understanding the Risks of Payday Loans
Understanding the Risks of Payday LoansIntroduction In the UK, payday loans are widely used as a quick way to access emergency cash. Whether you need to pay for a car repair, cover an unexpected bill, or bridge the gap until your wages arrive, payday loans are...
Understanding Cash Advance Lenders: A Guide
Merchant Cash Advance Loans in the UK: A Complete GuideFor many small and medium-sized enterprises (SMEs) in the UK, access to fast and flexible funding can make all the difference between growth and stagnation. Traditional bank loans often involve lengthy...
Understanding the True Cost of Cash Advances
Understanding the True Cost of Cash AdvancesUsing a credit card cash withdrawal – often called a cash advance – might seem like a convenient way to access money quickly. Whether you’re facing an unexpected bill or need cash urgently, most UK credit cards allow you to...
Understanding Various Types of Lending Options
Understanding Various Types of Lending OptionsA loan is a sum of money borrowed from a lender with the agreement to repay it over time, usually with interest. Loans are a central part of personal and business finance in the UK, helping people manage large purchases,...
