Loans and credit

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The end of credit as we know it

The October global financial crisis struck fear and loathing into western consumer hearts around the world.

Loan shark hunting: dodgy lending to be outlawed

Watch out, loan sharks! A national regulation being touted could wipe out dodgy lending practices in Australia.

Getting credit

Whether it's for a holiday or a plasma TV, there will be times when we'll need to take out a loan. That's life, but it's important that when we borrow we get the best possible deal.

Buy now pay later explained

Whether it's the latest plasma TV or a couch you're after, consider the "buy now, pay later" option. If you're disciplined you'll pay no interest but if you're not, the costs may be huge, writes Maria Bekiaris.

Credit ratings explained

Alison Tait explains what a credit file is, why it's important to you, how to check your own credit rating and what to do if you get knocked back for credit.

Card switch

There's no doubt Australians have had a love affair with credit — but now it seems we're turning back to using our own money to pay our debts. Majella Corrigan reports.

Lay-by makes it easy

For upcoming birthdays, events, festive dates etc it's often best to decide in advance what to buy and how much to spend. The time-honoured lay-by system permits us to do this and enforces a clear spending plan.

A happier Christmas

‘Tis the season to be jolly – and to watch those credit card limits, writes Maria Bekiaris.

Protecting your credit rating

Applying for a loan can be a nerve-racking experience. Your credit history will play a big part in a lender’s decision to lend you money or not. Maria Bekiaris checks out how your credit rating can affect a loan application and what to do if there is a problem.

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