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Peter Kenny's Articles in Finance

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  • A Guide To Basic Loan Terms
    The loan term is the agreed time over which you will repay the loan. You will repay the loan monthly over this period until the loan and interest is fully paid back
  • Benefits Of Direct Debit Payments
    If you have a credit card or current account, then you might want to take advantage of Direct Debit in order to pay your bills
  • Buying A Car With A Personal Contract Purchase Loan
    Although PCP means you don’t own the car during the contract term, it is much cheaper than a loan for financing a car. Even if you get a very low rate, you will pay back more and the depreciation will be higher
  • Choosing The Right Card Issuer
    Before looking for a card issuer, it is important to know what sort of card you want
  • Choosing Your Loan Repayment Period
    Although choosing the right loan period is important, there is always the possibility that you can change the terms if you need to. If you find that you can afford to pay off the loan more quickly, then try and do this
  • Facts About Mortgage Loan Offers And Pre-Approval
    Although many of the ‘pre-approval’ letters you get through the post are worthless, there are types of pre-approval from lenders that can help you greatly when buying a house
  • Fixed Rate Credit Cards Explained
    Although fixed cards have the benefit of keeping your repayments at the same rate over the years, they do have higher interest
  • Getting A Wedding Loan
    Although it might be possible to get a secured wedding loan, most wedding loans are personal unsecured loans
  • How To Add An Additional Card Holder
    The advantages of adding a cardholder are that you can reduce the number of accounts that you and the additional cardholder have, making payments easier
  • How To Avoid Sneaky Card Charges
    Although your card might have low APR and a nice credit limit, if you don’t stick to making your payments on time then you could end up paying huge amounts in penalty fees
  • How To Consolidate Credit Card Debt
    Remember, when you consolidate your credit card debt, it is important to cancel all or some of the cards that you have transferred from
  • How To Get Refused For A Loan
    Although it is getting easier and easier to get hold of a loans at a good price, there are still ways that you can make it hard for yourself to get a loan.
  • How To Keep Your PIN Secure
    Banking and card security is becoming more and more of an issue as identity thieves and fraudsters find new ways to get hold of our money
  • Improving Your Circumstances To Get A Loan
    Although you might want the loan now, this is not always possible. Be patient and improve your finances, and the right loan will be made available to you soon enough
  • Ins And Outs Of Credit Card Pre-Approval
    The only way to really stop yourself being caught out by these offers is to read the small print carefully if you are thinking of applying
  • Joint Loan Application Tips
    If you are living with a partner or family member and you need some money but don’t have the means, then you should think about applying for a joint loan
  • Loans For The Self-Employed
    One of the biggest problems facing self-employed people is that you are often legally understating your earnings for the purposes of tax, which will hurt you when trying to get a loan
  • Should You Pay An Annual Fee?
    If you have a credit card and pay an annual fee for the privilege, then perhaps you are paying too much for your card
  • Stopping Credit Card Identity Theft
    Although identity theft can be a big problem, if you can prove that you did not buy any items or give up your information, then your card issuer should be able to refund all or part of the money that was taken
  • Store Cards: A Brief Guide
    Although store cards are very expensive and are not worth the money for a lot of people, you can benefit from a store card if you use it in the right way.
  • Taking Out Loans For Travel
    If you want to go on holiday but cannot afford the large payment in one go, then you might want to think about taking out a loan for travel purposes
  • The Benefits Of A Variable Rate Loan
    In the current climate, a variable rate loan will normally be cheaper than a similar fixed rate loan. However, you need to make sure you can afford the repayments if the rates should increase.
  • The Pros And Cons Of Reward Cards
    Although reward cards might seem like a good idea, unless you pay off the balance each month the incentives are probably not worth it
  • Understanding Grace Periods
    When choosing a card, you should look at the card’s grace period as well as its interest and fees
  • Using A Credit Card To Shop Online
    If you make a lot of purchases online, then you might want to think about getting a virtual credit card. This is just like a normal credit card, but all transactions and details are based online.
  • Using A Loan To Pay For Medical Treatment
    With the NHS being severely under funded, more and more people are turning to private medical care in order to get the treatment they need
  • What Are Tenant Loans?
    Although you might not be able to borrow as much as you would with a homeowner loan, tenant loans do have the advantage of being quick to get hold of
  • What Are The Benefits Of A Cash Advance Loan?
    Cash advance or payday loans are one of the quickest ways to get hold of money when you are short of funds. They are predominantly used to cover your expenses until your next payday, when you pay back the loan in full
  • When To Get Payment Protection
    Payment Protection Insurance, or PPI, is an insurance offered on credit cards or loans to cover your repayments should you not be able to make them
  • Why Are Business Loans Important?
    If you are running your own business, then you probably know that it can sometimes be hard to find the funding you need to make your business work
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