Credit Academy

Find answers to your credit questions

Credit Cards

The Perks of a Premium Credit Card

Seen as a sign that you've 'made it', premium cerdit cards can actually be a sign that you are wasting your money. Find out what they do and how they should be used.

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Avoid the Minimum Repayments Trap

Making the minimum repayment on debts might seem like it is costing you next-to-nothing each month, but in reality you might be paying a lot more back than you need to.

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Save Money with a Balance Transfer Card

Discover the cheapest way to pay off small debts. If you move your credit card debts on to a 0% balance transfer card you could pay no interest for over two years.

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Earn Money with a Cashback Credit Card

Credit cards aren't just for borrowing, they can actually save you money. Find out how you can spend and save with a cashback card.

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Make the Most of a Combined Credit Card

Interest-free deals on balance transfers and new purchases? Sounds good, but make sure you know how to find the best deals and use the card correctly.

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Spread Your Costs Without Paying Interest

Find out how a 0% purchase card can help you save on a major purchase. Just make sure you can pay the balance back within the introductory period.

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Discover the Cards that Stop Credit Rejection

Rejection hurts, so find out how you can get a specialist card so you can spend and start rebuilding your credit score.

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Getting the Most from Your Rewards Credit Card

You could be getting hundreds of pounds worth of rewards every year with the right rewards card.

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8 Reasons Why You Need a Credit Card

Yes, there really are eight (at least). Find out how the new world of online credit comparison is helping people save money and get great deals on credit cards the never knew they needed.

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Making the Most of Your Credit Card

When used correctly a credit card can save you money on interest, how you make one-off purchases and even improve your credit score.

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Get your Free Eligibility Score and see how you can build your credit approval rating

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Loans

Everything you need to know about payday loans

Payday loans work on the assumption that you desperately need to borrow a small amount of money that you will pay back on your next pay day. They will also use that desperation against you – charging large fees and offering huge interest rates. While it is sometimes necessary to take drastic steps when trying...

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Understanding Your Credit Score

It's a great mystery to some of us, but understanding your credit score can give you a better idea of what lenders are looking for and increase your chances of being accepted.

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Getting Credit for the First Time

Having bad credit and no credit are two very different things. Find out how to build your credit score if you are young or new to the country.

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Improve Your Credit Score

A good credit rating can help you secure better deals, cheaper interest rates and save you £1000s of money over your lifetime.

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How to Get an Unsecured Loan

While unsecured loans do not require you to put down any collateral (such as your home), loans will often have higher interest rates because of this. Find out how to get the best deal with our guide.

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A Guide to Homeowner Loans

Homeowner loans can help you secure large amounts of money, however there is a huge amount of risk involved when borrowing against your home. Find out more in our guide.

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Introduction to Bad Credit Loans

Some lenders offer special deals for people with bad credit who are looking for a loan. However some deals can end up costing you a lot, so use our guide to make sure you know what you're looking for.

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A Beginner’s Guide to Loans

Some lenders offer special deals for people with bad credit who are looking for a loan. However some deals can end up costing you a lot, so use our guide to make sure you know what you're looking for.

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Match Factor makes it easier for you to find the best loan by analysing each product’s features, its application process and your personal credit eligibility.

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Mortgages

The Hidden Cost of Fee-Free Mortgages

Beware anything that claims to be 'free'. Fee-free mortgages can have higher interest rates than other mortgage options. Find out what you need to know when considering a fee-free mortgage.

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Maximise Your Profits with a Buy-to-Let Mortgage

If you are a landlord it is important that you choose the right buy-to-let mortgage when purchasing a property. Read our guide to make sure you maximise your profit.

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Understanding Your Credit Score

It's a great mystery to some of us, but understanding your credit score can give you a better idea of what lenders are looking for and increase your chances of being accepted.

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How to Get a Leg-up Onto the Property Ladder

From shared ownership to lender schemes, learn about the many options available to you when trying to get up on the property ladder.

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How to Boost Your Borrowing Power

Find some tips on how you can make yourself more attractive to lenders and get a bigger loan in order to find your perfect home.

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Getting a Mortgage if You’re Self-Employed

It's hard, but not impossible. If you work for yourself and are looking to remortgage or buy a new home, find out how you can get the right mortgage for your circumstances with this guide.

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How to Find a Mortgage

Choosing the right mortgage can save you £1000s, but where to start? This guide will teach you how to use brokers and comparison websites to find the best deal.

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