Author: Ian Sims

credit card cash

What Is a Cash Advance

Should You Take Out a Cash Advance? A cash advance can be an effective way to get money fast in an emergency situation. But it’s important to consider the potential downsides before you take out a cash advance, like high interest rates and steep fees. This...

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compound interest formula

What Are Compound Interest Rates

 Compound interest is the addition of interest to the principal sum of a loan or deposit. It is the result of reinvesting interest, rather than paying it out, so that interest in the next period is then earned on the principal sum plus previously accumulated...

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Payday Loans

How Do Payday Loans Work?

How Do Payday Loans Work? Short-term loans (otherwise known as payday loans) are quick cash solutions but are they really worth it? As the name suggests, payday loans are small, short-term loans that you pay back when you get your next paycheck – hence the name...

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bad credit loan

Bad Credit Loans UK

Do you need a bad credit loan?   How do bad credit loans work? What are they used for? Who can apply? Are they legal? Get answers to these questions and more in this guide on bad credit loans UK.  Bad Credit Loans Aren’t Just for Bad Credit  When...

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What is Debt Consolidation?

Should I Consolidate My Debt? Welcome to another Badger Blog Post. This week we’ll be looking at what is debt consolidation and whether or not it’s a good thing for you.To begin with, let’s define exactly what debt consolidation is. Debt consolidation is the act of...

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Healthy Home Improvements

Healthy Home Improvements

Looking To Improve Your Home? - Healthy Home Improvements If you’re looking to make some healthy home improvements - and possibly increase your home’s appraised value in the process - think about projects that can make your house a healthier overall place that will benefit the...

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new payday lenders 2022 | Payday Loans 2022

New Payday Loan Lenders 2022

New Payday Loan Lenders 2022 Welcome to another Badger Loans blog post. Now is a good time to start looking for new payday loan lenders 2022. Badger Loans is a ‘new payday lender’ depending on the criteria being used to define ‘new’ of course. We’ve been...

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CCJ Loans

Is There Such a Thing as a CCJ Loans? As we have highlighted on a few occasions in the past like here, a loan is a loan is a loan.With the exception of secured and unsecured loans the only difference between one loan and another is...

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Emergency Cash From New Payday Lenders?

Will I Need a Credit Check? Since the financial services and consumer credit industry has been regulated by the Financial Conduct Authority it has been compulsory to credit check each and every individual applying for consumer credit. Whether an unsecured personal loan or an emergency cash...

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Covid-19 Update

Covid-19 Update

Update (24/2/21)Hi Everybody, We just wanted to let you know that our lending panel of 40 direct lenders is now back to full strength. We were down to 2 or 3 lenders in the dark days of last summer but with vaccinations underway and a...

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What is a Pingtree for Loans?

What is a pingtree for loans?

In our 21st century of ever-advancing technological innovation, the advent of the pingtree will have gone largely unnoticed by the vast majority of the general public.Unless they happen to work in finance in general and loans in particular there’s no real need or reason to...

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A Brief History of Payday Lending

A Brief History of Payday Lending

With the coronavirus having cut through the world’s population like a hot knife through butter, the fallout has had most Payday Lenders running for the hills while others have simply pulled down the shutters and gone into hibernation for the duration.While no one is doing...

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Credit broker or direct lender?

Use a Credit Broker or Go Direct?

Here’s why we believe a broker is best When you type the words ‘bad credit loans uk’ or ‘payday loans’ into your preferred search engine the sheer volume of matches can be somewhat daunting. One of the first things people do is try to sort out...

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How Do I Spot A Scam Loan Website?

How Do I Spot A Scam Loan Website?

This post deals predominantly with the UK loan framework but some things are universal……….When life gets tough and things aren’t going our way the last thing we need when trying to arrange a loan is someone trying to steal what little money we may have...

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fresh-eggs

APRS

Or: why does my APR  say 5000% when my lender says I repay 40 in every 100 pounds? Who’s right? Answer: They both are.Doesn’t make much sense right? Unfortunately there’s a lot of confusion around APRs so let us try and make them a bit clearer...

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