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

Business is bouncing back, but what’s the cost?

Last post: Feb 14, 2022

Over 1.6 million businesses have taken government backed coronavirus support loans and for most, this would have been to plug a hole and keep bills paid. Many will now be feeling the pinch since repayments have kicked in and are unable to apply for further loan funding for expansion and recovery. If the business is clearly still viable and is able to prove that they have now turned the corner, we may be able to turn to alternative finance options.

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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

  • If you can't approach your family to guarantee your loan, you may need to take a considered approach to asking someone else to be your guarantor...

  • The UK is a nation of pet lovers, but when our furry friends get sick, we don't always have the funds to help them. Here are some solutions you may want to consider.

  • If you're budgeting carefully or building up your savings, cutting the cost of essential purchases can make a big difference. Here's how to spend less.

  • If you owe someone money and are unable to repay the liability then the individual or company that you are indebted to (creditor) could take you to court and try to obtain a county court judgment (CCJ) against you. If this were to happen, it could make it difficult for you to obtain credit for a number of years.

  • The payday loan giant Wonga has made a leap into the world of P2P lending with the launch of its answer to Zopa – Investandborrow. Its offering to savers is certainly attractive, but is this doing anything more than simply bringing the spirit of payday lending into the world of crowd funding.

  • Over the last year the secured loan market has gone from strength to strength, the market has once again become highly competitive and we are starting to see some really appealing products as companies battle for the top spot.

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