Charitable work is not a new concept, especially not in the corporate world. Many companies have options for employees to donate money from their paychecks to charity, nonprofit fundraisers, and community events in an effort to do their part to give back. Read more…
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What are peer to peer loans and how do they work?
There is a way of receiving loans called peer-to-peer lending or peer loans. The top peer-to-peer lender in the UK is ZOPA which first launched in 2005, introducing an accepted alternative to more traditional loans and investment options. Read more…
Buying advice: Understanding car loans and finance
When buying a car there are a number of options available, personal loans, car loans, secured loans, cash or peer loans. The options available to you will depend on a number of factors. Your credit history, savings, loan amount and loan term are just some of them. Read more…
Ways to get out of the “bad credit spiral”
When credit became easier to get hold of many people just kept borrowing more and more money. Transferring balances from credit card to credit card, taking out loans, using overdraft facilities, it was an easy thing to do. When the recession hit, people were being made redundant or at best weren’t getting a pay increase. With the other costs of living such as food and energy increasing rapidly, money has become short for many. The debts however mount up rapidly and all of a sudden people were finding themselves in a lot of debt without a way of repaying their monthly outgoings. Read more…
Improve your credit score for a cheaper personal loan
If you are one of the many people who have had difficulty paying bills recently you may be wondering how you can improve the damage suffered to your credit rating. Money lenders look at your credit rating to see if you have defaulted on payments, how much debt you are in or if you have any County Court Judgements. If they see that you are behind with your repayments on your mortgage repayments, your credit rating will suffer and you will find it harder, and more expensive to get credit. If you considering personal loans then the better your credit history the cheaper your loan will be. This is because the better your credit history the less of a risk you pose to the money lenders. Read more…