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Loans tools & guides

Loans tools & guides

Loans made easy

Taking out a loan can be confusing. But don’t worry, our guides keep things simple and give you all the information you need. From tips to finding the right loan to saving money, we’ve got you covered.

Before you apply

Personal loan guide

A beginner’s guide to loans and how they work.

Loan application checklist

What you need to do before you apply.

Loans calculator

Not sure how much you can afford to borrow?

Reasons for borrowing

Getting married

A little boost to help cover the costs of your big day.

Renovating your home

Love your house again with our home loan guide.

Buying a car

Help to make owning your car a reality.

Types of loans

Debt consolidation loans

Thinking of moving all your borrowed money into one loan? Read our guide for tips first.

Unsecured loans

Our guide covers everything you need to know about unsecured loans before you apply.

Helping you manage your loan


Want to pay a little extra off your loan this month? Find out what you can and can’t do.

Credit reports

Read our guide on credit reports to find out how they work, what they include and how to check yours.

Early repayments

Want to pay your loan back earlier than agreed? Find out what’s possible.

Guide to improving your credit scores

Low credit score? Take a look at our top tips to see how you can boost your credit score.

Guide to better budgeting

Explore our practical tips to help cut costs and turn your pennies into pounds.

Not found what you’re looking for?

Why not explore our loans support section where we answer the most frequently asked questions about loans.

How much can I borrow?

You can borrow between £1,000 and £40,000 for Nectar members, while non-Nectar members can borrow up to £25,000 . Some of the most common loan amounts are: