Advice for borrowing wisely

Clear guides to understand credit, plan your budget and avoid pitfalls.

How to calculate what you can afford to repay

Before borrowing, one question matters more than any other: how much can you repay each month without getting into difficulty?

Two rates appear on every credit offer. Only one lets you truly compare: the APR.

Fake lenders, upfront fees, voucher requests: the signs that should alert you.