Category: How Loans Actually Work

A non-bank lender can be a sensible option when the loan stacks up. The important part is understanding why it fits and what you’re getting in return.

Your credit score can affect your borrowing options, but the number only tells part of the story. Here’s what it means, what influences it, and what you can do about it.

How much you can borrow isn’t one fixed number. We look at your income, expenses, debts and the loan you want, then see how different lenders are likely to assess it.

See how lenders look at your spending, living expenses and benchmarks when assessing a loan, and what can affect the outcome.

Interest is part of borrowing money, but how much you pay can often be influenced by how the loan is set up. Here’s how loan amount, term, repayments, features and refinancing can help reduce the cost of borrowing.