Your best deal

You can get up to 28 months spending on a credit card at 0%, and for lower sums this is usually your best deal.

Check the small print

Before you apply for a loan, check for any catches. Some deals may look amazingly good – but have conditions you should watch out for.

Are there early repayment charges?

You may not think it likely when you get your loan – but there’s always a chance you will be able to pay off your debt early.

Watch the interest rate

Essentially you have to try and get the money you want at the lowest interest rate with as few restrictions and charges as possible.

Costly complications

If there are lots of complicated extras, no matter how appealing, be careful!

Get the right kind of interest

Always ask the lender how the interest is being computed. 

Hidden costs to watch out for

Check all the fees.  How much will it actually cost you to get the money?