Choice Blog

"An investment in knowledge pays the best interest." - Benjamin Franklin.


From personal finance, to funding options, the Choice Blog is full of news, updates, tips and helpful information. Read our latest posts to keep up with the funding options available to consumers and the broader personal lending environment.

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Unsecured Loans

Will your Wonga loan be written off?

Last post: Sep 28, 2018

One of the UK’s best known unsecured loan providers, Wonga, has gone into administration. What does this mean for its borrowers? Will they need to repay their loan? We offer answers and advice.


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Secured Loans

What do lenders consider when arranging secured loans?

Last post: Sep 20, 2018

Once upon a time, a payslip, a valuation and quick credit search were all that was required to arrange a secured loan (second charge mortgage). Today processes and regulations are, quite rightly, much more stringent.


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Guarantor Loans

How to create a plan that will persuade a guarantor

Last post: Sep 25, 2018

Create a financial plan which shows your prospective guarantor that you’re able to take responsibility for your loan. These helpful tips will help you present your finances in a clear, convincing way.


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Personal Finance

Could the “50/20/30 Rule” save you money?

Last post: Sep 27, 2018

Are you looking to boost your budget and nurture your savings? Committing to a rigid plan can be a helpful way to get serious. The 50/20/30 rule is one popular option which many savers swear by.


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Recent Blog posts

  • bigstock-small-business-people-and-ser-174284212

    What is a Merchant Cash Advance? A guide on an increasingly popular type of loaning in which you can pay back your loan using payments made through your card terminal. An option for businesses which operate on a seasonal level.

  • As parents we want to give our children every opportunity. When they need a guarantor, we rarely think twice before signing on the dotted line. But should parents be more cautious about guarantor loans?

  • Are you a super-organised penny-pincher? Perhaps you spend impulsively or save up for bigger rewards? Find out more about your financial personality type in this article...

  • Many people choose to use unsecured loans when emergency expenses arise. This means that, for many consumers, the need for finance is urgent. So exactly how long does it take to arrange an unsecured loan? We have the answers...

  • Whether you’re planning an extension or need to free up some capital for another reason, it’s not always easy choosing between a second charge on your home or remortgaging.

  • You’ve taken on a guarantor loan. You’ve persuaded your guarantor to sign on the dotted line and don’t expect any issues. Unfortunately, financial problems arise. Before you panic, here’s why you should talk to your loan provider ASAP.

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