Paul Smith is an established financial author and writer with over nine years of experience, who specialises in personal finance, loans, credit management, and investment strategies for people throughout the UK. Paul's expertise can be seen on leading loan websites such as Bargainloans. Through his blogs and articles Paul has helped thousands of borrowers make wiser financial decisions while his passion for study encourages people to take control of their finances with greater confidence and clarity
How can you get £2000 loan Instantly

How can you get £2000 loan Instantly in UK?

Are you looking for a quick way to cover unexpected repairs, medical needs, or bill payments? A £2000 loan may help you.  It supports you in uncertain financial times, covers cash needs before payday and buffers unemployment. How you can get a £2k loan on the first attempt. It also discusses the facts that may […]

22 October 2025 By paul smith

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What loans can I get with fair credit

What loans can I get with fair credit?

A fair credit score is not good, but it is not bad either. According to Experian, a fair credit score range varies between 721 and 880, which suggests a potential level of risk, and therefore, interest rates will not be as attractive as those for good credit borrowers. Well, having a fair credit score will […]

9 October 2025 By paul smith

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First time borrow up to £5000

How first time borrower Get up to £5000 loans online? Full Guide

First time borrowing a Pound 5000 loan, one needs to pay attention to several aspects. However, the loans are short-term, and as they are online, there are no complications in the application process. A guide to the varied aspects of these loans will direct you better about how these loans work. Also, learn about their […]

6 October 2025 By paul smith

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loan guaranteed approval

What is guaranteed loan approval? Facts explained

Guaranteed approval means your loan applications cannot be refused for any reason, whether it is a poor credit rating or insufficient income. The fact is that this is a misleading term. No lender could guarantee approval without running an affordability check, which includes a review of your credit score and income sources. Only if your […]

30 September 2025 By paul smith

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What will be the monthly repayments

How to get a £3000 loan? What will be the monthly repayments?  

Are you in the market for a 3000-pound loan? You have landed right! Whether you want to bridge the rental deposit before the move or plan a weekend getaway, a £3000 loan may help.  Applying for the loan on the platform may help you meet your needs affordably. It is especially true if seeking a […]

26 September 2025 By paul smith

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Effective strategies to deal with impulse purchases

Effective strategies to deal with impulse purchases 

Budgeting is ineluctable to keep a tight rein on spending. Various budgeting methods are out there, yet many people find themselves broke at the end of the month. The most common reason for being cash-strapped is impulse buying, an irresistible inclination to spend money out of fear, anxiety, and frustration. Research has proved that when […]

18 September 2025 By paul smith

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get a loan when you are rejected without a reason

How can you get a loan when you are rejected without a reason?    

Getting rejection without clarity affects other goals and lifestyle. What if you must pay an urgent bill but cannot because of rejection? It only makes one furious, frustrated and one may panic too. It could be hard to think of anything unless you pay that important bill.   Moreover, no clarity on the reason for loan […]

4 September 2025 By paul smith

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How do people deal when interest rates go up

How do people deal when interest rates go up?  

An increase in interest rates means that the borrowing cost can explode. If you are handling multiple forms of debt, you can be in trouble. However, every complex situation can have a solution. Initially, the burden might feel unmanageable. You might imagine yourself drowning in debts. The actual situation might not be like this. This […]

27 August 2025 By paul smith

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do I need loans when I am on benefits

Why do I need loans when I am on benefits in the UK? 

A benefit recipient is someone who is not earning money from direct employment. Maybe, you are out of a job for the time being or you have some disability restricting you from earning money. Since you are cut from the stable source of earnings, you get compensated with benefits.  This is like financial support that […]

16 August 2025 By paul smith

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Plan a Big Family Christmas 2025

How to Plan a Big Family Christmas 2025 on Poor Credit? 

Christmas unites families despite a tightening of the purse strings. Bad credit scores complicate that time of year. Millions of households in the UK struggle each year with financial resources and festive hopes. You can begin your strategy several months before December.  Most use doorstep loans on benefits for some emergency buys during the festival. […]

13 August 2025 By paul smith

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