Loans guides
Borrowing explained — personal loans, APR, repayments and how to compare the real cost.
Loans
Soft Search vs Hard Search: Check Eligibility Without Hurting Your Credit
A soft search lets you check your likely chances of approval without leaving a mark lenders can see. Here is how soft and hard searches differ, and how to shop for credit safely.
Laura Michelle Davis · 2 Jun 2026
Loans
Debt-to-Income Ratio Explained: What's a Good DTI in the UK?
Your debt to income ratio is a quick way to gauge whether your borrowing is comfortable or stretched. This plain-English guide explains how to calculate DTI, front-end vs back-end, and what counts as a good ratio in the UK.
Laura Michelle Davis · 25 May 2026
Loans
Personal Loans and APR Explained: How to Compare the Real Cost
Confused by personal loan APR? This plain-English guide explains what APR really means, how representative APR works, why the loan term changes the total cost, and how to compare two loans fairly before you borrow.
Laura Michelle Davis · 15 May 2026