What finance is best for you

Finance is a broad term - there are so many options available to you. From store cards to short-term loans, there’s no shortage of how you can get credit, regardless of your credit rating. Over 60 million credit cards were in use last year and over 2 million people took out a short-term loan, showing that lending can be a safe option. The short-term loan industry has really improved in the...

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Are Payday Loans Cheaper than Unarranged Overdrafts?

If you are in need of a short-term solution to financial worries there are often only a few possible options open to you. If you are unable to borrow money from family members and loved ones to help you get through this tough period, the other options are to take out a payday loan or go over your current account limit with your bank and have an unarranged overdraft. PiggyBank understands...

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Bank Overdrafts found to be more costly than Short Term Loans

Research from consumer champions Which? has found that bank overdrafts can be eight times more costly than payday loans. Â Borrowers needing as little as ÂŁ100 could be charged up to ÂŁ156 more by their bank than it would cost at a payday lender, it has been revealed. Which? compared the cost of borrowing ÂŁ100 for 30 days using an unauthorised bank overdraft. It found some banks...

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Alternatives to Short Term Loan Solutions

Looking for an alternative to a short term loan? Well good for you, researching all of the options available to you will help you make an informed decision to get you back on the right track, financially speaking. Finding a way to pay your debts that will not cost you more money is the choice that most people will opt for when they understand different options that can help them manage their...

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Starting a Hobby in 2017

What greater way to enter the New Year than by taking up a new hobby, and potentially finding a passion to last a lifetime. Whether you take up a sporting pursuit, start sewing, reading, writing, hiking or any of the plentiful options you have at your disposal, have fun and take a look at some of the key benefits awaiting you. Take a Break from Life Sometimes it is nice to break and do...

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Broker’s Vs. Lender’s What They Do

If you have always wondered what the difference between a broker and lender is then you have landed in the right place. Knowing the difference will allow you to decide which option to choose the next time you are applying for a loan. Although the decision you make will not negatively impact your ability to receive a loan, understanding their roles in the application process will help you...

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What Creditors See On Your Credit Report

In today’s world, we are constantly bombarded with advertisements for quick cash and free credit scores. Credit reports are a necessary when buying a home, car, and other big expenses that will require a loan. Knowing the information that the creditors will see on your report can make a huge difference in the amount of money you will receive or if you will receive a loan at all. Making...

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Payday Loan or Instalment loan? What should I consider?

When considering the best payday or instalment loan for your needs, there are some key things to consider; • Can you afford it? • What is the interest rate? • How long do you need it for, is it short term? • What happens if you can’t afford to make repayments, what are the penalties? The longer the loan period, the more interest you will pay back. Before you think...

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Great budget apps to ease your daily life

Finance and budgeting are quintessential to our daily lives. However, due to day to day stress and innumerable things to do, most people forget all about sticking to a budget. The fact that many of us write our financial dos and don'ts on frilly pieces of paper doesn’t help either. There is good news, though. In this day and age of technology, there is an app for everything, even for...

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