Loan Types Breakdown
Independent, plain-English guides on loan types breakdown, part of our Loans hub.
Personal vs Secured Loans: Which Is Cheaper? Explained
Secured loans often have lower rates than personal loans, but the risk to your home changes the calculation. Here's how to compare the true cost.
Peer-to-Peer Lending Explained: A UK Borrower's Guide
Peer-to-peer lending connects borrowers directly with individual or institutional lenders. Here's how P2P loans work and what to check before applying.
What Is a Second Charge Mortgage? A Simple Guide (UK)
A second charge mortgage lets you borrow against your home alongside your existing mortgage. Learn how it works, the risks and when it's worth considering.
Fixed vs Variable Rate Personal Loans Compared (UK)
Most UK personal loans are fixed rate, but variable options exist. Learn the practical differences and which gives you better budgeting certainty.
Credit Union Loans Explained: A Cheaper Alternative?
Credit unions offer capped-rate, member-owned loans that can beat high street rates for many borrowers. Here's how they work and how to join one.
0% Credit Cards vs Personal Loans: Which Wins? (UK)
0% purchase and balance transfer cards can beat a personal loan on cost, but only if used with discipline. Here's how to choose between them.
Logbook Loans: What They Are and Why to Be Wary (UK)
Logbook loans use your car as security and carry serious risks, including losing your vehicle. Here's how they work and safer alternatives to consider.
Short-Term vs Long-Term Personal Loans: How to Choose
A shorter loan term means higher monthly payments but less total interest. Here's how to find the right balance for your budget and goals.
Overdrafts vs Personal Loans: Which Costs Less? (UK)
Overdrafts feel convenient but can be surprisingly expensive for ongoing borrowing. Here's how they really compare against a personal loan.
How Much Can You Actually Borrow? Unsecured vs Secured
Lending limits differ sharply between unsecured and secured borrowing. Here's what typically drives how much you can access, and why.