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.
Personal Loans: Pros and Cons Explained
Unsecured Personal Loans in the UK: Everything You Need to KnowWhen you need to borrow money, a personal loan can provide flexible access to funds for almost any purpose, from consolidating debt to paying for home improvements. In the UK, most personal loans are...
Tips for Securing Bad Credit Loans
Tips for Securing Bad Credit LoansSecuring a loan with poor credit can feel overwhelming, especially when lenders often rely heavily on your credit history to approve applications. The good news is that there are options for bad credit loans in the UK — including no...
Guarantor Loans: Eligibility and Application Process
A Complete Guide to Guarantor Loans in the UKFinding affordable credit when you have a limited or poor credit history can be challenging. This is where guarantor loans come in. These loans allow you to borrow money with the help of a friend or family member who agrees...
Everyday Loans: Are They Right for You?
Everyday Loans UK – What You Need to KnowIf you’re looking for flexible personal credit, Everyday Loans is one of the UK’s well-known lenders. With branches across the country and an online application system, they specialise in loans for people who may not qualify...
Steps to Successfully Consolidate Your Debt
Steps To Consolidate Your DebtFinding finance when you have a poor credit history is rarely easy. Many UK consumers struggle with managing debts, juggling multiple bills, or facing higher costs for borrowing. One solution often considered is a debt consolidation loan....
Understanding Loans Available for Pensioners
Loans for Pensioners UK: A Complete GuideMany retirees find that their pension income doesn’t always stretch as far as they’d like. Whether it’s covering unexpected expenses, helping family, or funding home improvements, more people are looking into borrowing options...
Benefits of Using a Car Finance Calculator
Car Finance in the UK: How to Get the Best DealCar finance is one of the most popular ways to buy a vehicle in the UK, whether you are purchasing a brand-new car or a used one. With so many finance options available, it can be overwhelming to know where to start....
Benefits of Using a Loan Calculator Online
How to Get the Best Personal and Secured LoansIntroduction If you are considering borrowing money, it’s important to understand the different options available to you. Many people search online for low interest loans, personal loans UK, or even use a secured loan...
How to Compare Unsecured Personal Loans Effectively
Comparing Unsecured Personal Loans: Finding the Best Rates and OptionsIntroduction Borrowing money through an unsecured personal loan is one of the most common ways to finance expenses such as home improvements, car purchases, or consolidating debts. Unlike secured...
Benefits and Risks of Provident Loans Explained
Provident Loans in the UK: What Are Your Options in 2025?Introduction For many households in the UK, short-term loans provide a lifeline when unexpected expenses arise. One well-known lender in this space was Provident Personal Credit, which offered doorstep loans for...
How to Choose the Right Wedding Loan
Wedding Loans UK: How to Finance Your Special DayIntroduction Weddings in the UK are magical events, but they come with a high price tag. From venues and catering to photography, travel, and bridal wear, costs can quickly add up. Many couples turn to a loan for...
Understanding Private Lenders in the UK
Private Lenders UK: A Guide to Private Money LoansIntroduction Getting approved for loans in the UK can be difficult, especially if your credit history isn’t perfect. Many borrowers struggle with strict lending criteria at banks and high street lenders. This is why...
How to Apply for Instant Loans UK
Instant Loans UK: How to Get Instant Cash and Fast ApprovalIntroduction In today’s fast-moving world, many people need access to cash urgently. Whether it’s covering unexpected expenses, paying bills, or managing emergencies, instant loans UK have become one of the...
Navigating Bad Credit Loans in the UK
Unsecured Personal Loans for Bad Credit in the UK Introduction If you’ve struggled with your credit history, finding affordable lending can be a challenge. Many traditional banks reject applications from borrowers with poor credit scores, leaving limited options....
Secured Homeowner Loans: Risks and Rewards
A Complete Guide to Homeowner Loans in the UK Introduction For many UK borrowers, a homeowner loan is one of the most flexible ways to access large amounts of money. These loans are secured against your property, making them available to a wide range of borrowers,...
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...
Home Improvement Loans: What You Need to Know
Home Improvement Loans: What You Need to KnowAre you considering sprucing up your living space or making necessary repairs? Home improvement loans can be a great way to finance these projects. However, with so many options...
Pre-Approved Loans vs. Regular Loans Explained
Pre-Approved Loans vs. Regular Loans ExplainedWhen you're in need of extra cash, understanding the various loan options available is crucial. Two popular types of loans you might come across are pre-approved loans and regular...
Tips for Securing Short Term Loans Easily
Tips for Securing Short Term Loans EasilyShort-term loans are financial tools designed to help individuals access quick cash for urgent needs. Unlike long-term loans, they have shorter repayment periods, usually ranging from a few...
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....
How to Secure Loans with CCJs
How to Secure Loans with CCJsIf you have a County Court Judgment (CCJ) on your credit record, you might feel like your financial options are limited. However, obtaining a loan with a CCJ is not impossible. With the right approach,...
