Credit options – what’s available and what to consider?

Most of us have experienced times in life when cash is tight, we Brits refer to this as “being skint”. During such times, there is nothing worse than a large, unexpected bill landing in your lap. Trying to work out how to pay for, say, your car or washing machine to be repaired can be super stressful. Similarly, turning down social opportunities because you don’t have a way to pay for it at that moment can be tough. Trust me, I’ve been there.

Both of these scenarios may lead someone to need to borrow money (aka taking out credit). And many different factors will bear on one’s options in this area, major variables being employment status and credit score.

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