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.
How to Choose an Emergency Loan Lender
How to Choose an Emergency Loan LenderWhen you find yourself in urgent need of cash, it can be overwhelming to figure out the best borrowing option. Many in the UK turn to payday loans or emergency loans as a short-term solution. While brokers are common in this...
Need Money Fast? Tips & Tricks
How to Get Cash Fast in the UK: Smart Ways to Access Money TodayIn today’s fast-paced world, many people in the UK find themselves in urgent need of money to cover unexpected expenses. Whether it’s a car repair, an overdue bill, or a family emergency, finding reliable...
Quick Ways to Make Money Fast
When unexpected costs hit, finding money fast can feel overwhelming. Whether it’s a broken boiler, urgent bills, or an emergency repair, there are ways to get quick financial help in the UK. In this guide, we’ll explore emergency loans, same-day cash options, and...
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...
Understanding Payday Loan Eligibility Requirements
Payday Loan Eligibility in the UK: What You Need to KnowApplying for a payday loan in the UK is often seen as a quick way to access emergency funds, but before you apply, it’s important to understand whether you meet the payday loan eligibility criteria. Each lender...
Effective Strategies for Budgeting in Advance
A Budgeting Advance or Universal Credit (UC) loan could provide the short-term support you need. In this complete guide, we’ll explain who’s eligible, how much you can borrow, the repayment process, and the pros and cons—so you can make an informed choice and manage...
How to Use a Finance Calculator Effectively
Looking to get behind the wheel with the right finance option? Whether you’re considering car finance, a personal loan, or a hire purchase agreement, understanding your choices is key to making the best decision. In this complete guide, we’ll break down the different...
Pros and Cons of 3000 Bad Credit Loans
No Guarantor Loans in the UK: Quick Guide to Borrowing Without a GuarantorFinding credit can be difficult if you have poor credit or no guarantor available to support your application. That’s where no guarantor loans come in. These products are designed to help people...
£500 Loans In The UK: A Quick Guide
£500 Loans in the UK: How to Borrow Quickly and SafelySometimes life throws unexpected costs your way — a car repair, an urgent bill, or simply making ends meet until payday. In such cases, many people look for a £500 loan UK to cover short-term needs. Whether you...
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...
Tips for Securing Your First Car Loan
Car Finance for Young Drivers in the UK: A Complete GuideBuying your first car is a major milestone, but for many young drivers, paying the full price upfront isn’t realistic. That’s where car finance for under 21s comes in. Whether you’re 17, 18, 19, or 21, there are...
How to Apply for 200 Loans Quickly
£200 Loans in the UK: Quick Borrowing Options ExplainedSometimes you just need a small amount of money to get through until payday or to cover an urgent bill. A £200 loan can provide fast financial support, but it’s important to understand the options available, the...
Quick Guide to 1000 Loans in UK
£1,000 Loans in the UK: What You Need to KnowNeeding to borrow money is a common situation, and many people search for ways to take out a £1,000 loan quickly. Whether it’s to cover urgent expenses, consolidate smaller debts, or manage unexpected bills, a 1000 loan...
Strategies for Estimating Early Loan Payoff
Loan Early Settlement Calculators: How to Work Out SavingsIf you’ve ever taken out a loan, you may have wondered whether paying it off early could save you money. The answer is often yes — but the exact amount depends on the loan type, your lender’s terms, and whether...
Simplified Loans: A Guide for Borrowers
Simplified Loans in the UK: Easy Loan Options ExplainedWhen unexpected expenses arise, finding quick and simple access to funds can be a priority. Traditional borrowing methods can sometimes feel overwhelming, with lengthy applications and confusing terms. This is...
Term Borrowing vs. Other Loan Types: Comparison
Term Loans and Short-Term LendingWhen you need to borrow money, choosing the right loan can make all the difference. For many borrowers, a term loan provides structure and predictability, while short-term lending options such as a 1-month loan offer quick, temporary...
Paycheck Loans: What You Need to Know
Best Payday Loans in the UK: How to Compare Lenders and Find Low-Interest OptionsPayday loans are short-term loans designed to give you quick access to cash when you need it most. In the UK, these loans are highly regulated by the Financial Conduct Authority (FCA),...
Alternatives to High Acceptance Payday Loans Explained
High Acceptance Payday Loans in the UK: What You Need to KnowWhen you’re facing urgent expenses and a poor credit history, finding lenders with high acceptance payday loans can feel like your only option. These loans are marketed as easy acceptance loans or even no...
Understanding Very Bad Credit Loans in UK
Payday Loans on Benefits: What You Need to Know in the UKLiving on benefits can make it harder to access traditional credit. If you’re receiving Universal Credit, Jobseeker’s Allowance, or other state support, you may wonder whether payday loans on benefits are...
Short Term Loans: What You Need to Know
Short Term Loans in the UK: A Complete GuideWhen you need money quickly, short term loans can seem like a solution. They are designed for borrowing small amounts over weeks or months, often from a direct lender. But with high costs and strict rules, it’s important to...
