Guides to loans, budgets and repayment.

Worked examples, checklists and questions to ask before accepting an agreement.

Understand the full cost of a short-term loan.

Read beyond the interest rate: compare the money you receive, every charge and the total you need to repay.

A practical way to compare total repayments, dates, eligibility and support without being distracted by a headline rate.

Organise identity, income and budget information while keeping sensitive documents in the right place.

Know what a debit-order mandate means, what to check with your bank and how to query a collection.

Make a clear picture of your budget, contact the provider early and understand where to find further help.

Check the lender’s identity, recognise suspicious payment demands and respond carefully to unexpected messages.