Knowledge Centre

Loans and credit


Whether you're getting a loan for the first time or you want to learn how to manage your credit more effectively, here's the place to learn more about how credit used wisely, can help you.

Relationships and your credit score

From becoming a financial associate to dealing with money matters after a divorce, here's how your relationships could affect your credit score.

Smart borrowing and understanding loans

Thinking of getting a loan? Careful borrowing can have a beneficial effect on your credit score, so here's how to make the most of it.

Guide to using credit cards

Credit cards are an easy, fast way to borrow money and they can come with a range of benefits. Here's what you need to know if you're thinking of getting your first credit card.

Understanding credit scores

From getting a mortgage to applying for a credit card, your credit score affects nearly all of your financial life. Read more about credit scores and factors which may influence it.

Issues with credit, and dealing with rejections

If you've been refused credit, it can feel disheartening. However, there's plenty you can do to boost your credit score and improve your chances of getting credit in the future.

Understanding credit

What exactly is credit and how can you make borrowing work for you? Here's a guide to borrowing basics and the kind of behaviours which lenders will potentially be watching out for.

Using credit every day

Curious about credit and the ways in which it can work for you? Here's a quick and easy guide to everyday use, from getting a new car to a new lease on a flat.


You'll never know when you need credit so get credit ready

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