Totally Money

If guarantor loans or debt consolidation is not your ideal solution then we totally have more options for you!

If you would like to handle smaller amounts of debt you need access to short-term loans. Examples of such products include balance transfer cards and credit cards.

How can I improve my bad credit score?

If you have a poor credit history and have been previously rejected for a loan at a bank or similar financial institution, then we can help you by reviewing lenders who offer specialized products for individuals with less than perfect credit scores.

If approved for a loan or credit card and you are able to meet all your monthly repayments without fault then you can place yourself in a better position than before as the lender will see that you are creditworthy. This will make it easier for you to obtain credit in the future.

Balance transfer – making debt easy for you

Balance transfer cards are an excellent alternative to debt consolidation. These cards offer a 0% interest introductory offer in which you are able to transfer your current debt amounts on the card without accumulating any interest. This gives you a chance to pay off your debt while taking advantage of the 0% interest offer.

Credit cards for smaller purchases

Poor-credit credit cards are a good option for people with poor or non-existent credit. They are an excellent way to build up credit if you pay off the balance every month. This is why it is important not to spend more than what you can afford to pay back or else you could put yourself in a worse credit position than before.