Money Talk

We believe financial support goes beyond the loan itself. This blog exists to help you make better, more informed decisions about borrowing – whatever your situation.

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Borrowing Basics

CCJ Loans – All Credit Ratings Considered

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 the rate, the

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Emergency loan concept with red first aid kit and cash notes, symbolising urgent financial assistance.
Borrowing Basics

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 loan. Or any other

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some cash, a piggy bank and a house
Industry News & Advice

The Demise of Provident Home Credit

A Good Thing or Bad? I need to make two disclosure type ‘admissions’ up front. I have both worked for Provident Home Credit division and had a loan from them too. This puts me in the enviable position of being able to see the company in both lights. A quick

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how much cash is emergency cash
Borrowing Basics

How Much Emergency Cash Should One Keep?

Of the many benefits that the habit of saving money has to offer, being financially stable despite an emergency is one of the more important benefits.  Setting aside a small amount of cash can significantly dampen the otherwise drastic effects that one may experience during an emergency.  The consensus is

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bridge loan
Borrowing Basics

What is a Bridging Loan?

When buying a residential property in the UK your average house purchaser goes nowhere near a bridging loan. So says the received wisdom on the topic. Most people have no idea of the whys and wherefores of bridging finance. Mainly because most of us have no call to ever have

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credit score help
Credit Score Help

Factors That Affect Your Credit Score

In The Beginning  There are many factors affecting credit score. Some you can do something about quite easily, others not so much. There are 3 main credit reference agencies (CRAs) in the UK. Each one scores people differently so a 600 score might be excellent with one but hopeless with

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Borrowing Basics

Can you get an emergency cash loan quickly?

Life is a roller coaster, isn’t it? Yes, you might have planned your monthly budget, investments, and other necessary funds, but suddenly an emergency comes out of nowhere! A medical emergency, a sudden trip, or an immediate house renovation can be various instances where you might need an emergency cash

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Money Management

The Benefits of Being a Stay at Home Parent

There’s a lot to be said for being a stay at home parent. Let’s face it, no one else can bring up your children quite like you can so we’ve decided to take a look to see if the  benefits of being a stay at home parent match the other

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Borrowing Basics

What is a Loan and Why Take One Out? Pt2

Consume Consume Consume So says the mantra of 21st century mainstream everything. And, boy do we know how to consume. Ever tried not spending money for a week or two?  Try it and see how long you last. We’re conditioned from almost birth to see it, want it and get

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Borrowing Basics

What is a Loan and Why Take One Out? Pt1

Part 1 – What is a Loan There are many reasons to take out an unsecured personal loan and we here at Badger Loans are going to give you five of the best. Before we do that let’s get stuck into what loans really are. When you start looking for

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