What are the Advantages and Disadvantages to Short Term Loans

What are the Advantages and Disadvantages to Short Term Loans Short term loans is a convenient way to get money when you need it quickly. Based on your credit history and financial situation, you can secure a short term loan within minutes and have the money in your account the same day. What you need […]

Alternatives to Short Term Loans

Alternatives to Short Term Loans When you are looking to borrow money through short term loans, you may think it’s an easy solution, an obvious choice to get money quickly. There are alternatives, which you may want to consider, which may be a better solution for you in the long run. Short term loans are […]

How to Calculate the APR on a Short Term Loan

How to Calculate the APR on a Short Term Loan APR is Annual Percentage Rate and it is the cost you pay for borrowing money. APR is calculated on the full amount of the loan over the period of one year. By knowing the APR, you will be able to work out how much interest […]

Short Term Loans vs Payday Loans

Short Term Loans vs Payday Loans There is no shortage of options when it comes to borrowing money over a short period. The most common options is a short term loan or a payday loan. Understanding how these two loan options differ, can help you decide which one is the best match based on your […]


What is the FCA? The Financial Conduct Authority (FCA) is a non-government, independent body that is responsible for the regulation of the financial services industry in the United Kingdom. They regulate approximately 51,000 financial services companies and markets across the country. The aim of the FCA is to ensure that the financial markets are fair, […]

FCA Regulations

FCA Payday Loan Regulations The payday loan industry was regulated by the Office of Fair Trading until 2014. Today they are regulated by the independent regulator, the Financial Conduct Authority (FCA), which has the enforcing standards which they have put in place for the payday loan companies to adhere to. Over the years, the payday […]


What is Debt? Debt is when someone borrows money from someone else. This can help or injure your financial life, based on how much debt you decide to take and how you intend using it.  Debt is money that a person owes another, this could be another person, business, organisation or the government. The minute […]

Credit Scores

Credit Scores and How to Improve Them The United Kingdom has three main credit reference agencies, they collect information based on public records, service providers, and lenders, helping them create a credit score. A credit score number shows how likely a consumer is to repay any money that they borrow. This is based on past […]