The 1 Plus 1 Loans Blog

Welcome to the 1 Plus 1 Loans blog


Buy Now, Pay Later - the pros and cons.

Innovation, targeting consumer convenience and experience have led to many disruptions in the consumer credit market. Most recently, a new consumer credit business model known as ‘Buy Now Pay Later’ (BNPL) has become popular. BNPL providers such as Klarna, Laybuy, ClearPay, and Paypal Credit work with retailers to give consumers access to upfront credit to help them make their purchases. Repayment of the credit can either be staggered in fixed repayments over an agreed-term or settled in a one-off payment at an agreed date.

Read Buy Now, Pay Later - the pros and cons. here

Fast Loans

When you’re looking for a fast loan or access to credit quickly but don’t have the best credit, you could consider applying for a guarantor loan with us at 1Plus1 Guarantor Loans. Comparing with personal unsecured loans, 1Plus1 Guarantor Loans can offer fast, flexible and affordable loans. 1Plus1 Guarantor Loans can usually be paid out within 24 hours of application if you and your guarantor can provide us with all the information we need, on the day you apply and you meet our affordability and creditworthiness criteria.

Read Fast Loans here

1Plus1 guarantor loans money saving tips

Budgeting is no fun! Here are 4 tips to help you save some money. Usually, such savings tips say the same old thing. Check out what’s coming in and going out. Trim the spend, quit the gym you don’t go to, throw out this, throw out that.

Read 1Plus1 guarantor loans money saving tips here

Debt Consolidation - How To Reduce Your Monthly Payments

If you have more than one credit card, loan or store card, you may find managing the various payment dates worrying. Additionally, there could be interest rates attached to each one too. By consolidating them into one payment, a debt consolidation loan, you could potentially reduce the number and amount of monthly repayments you are making.

Read Debt Consolidation - How To Reduce Your Monthly Payments here

What does your credit file and credit score really mean to you?

Surprisingly, in reality to lenders, your credit score means very little… Why? Because your ‘credit score’ is simply a number to show a very basic summary of your current financial position, generated by credit reference agencies. This ‘at a glance’ view of your credit file may be handy, but this is NOT the same criteria used by lenders.

Read What does your credit file and credit score really mean to you? here

Top Tips to Build Your Credit Score

A Credit Score takes a while to build up and you must be consistent to see real benefits. Most negative items on your credit score will disappear after seven years, but good debt – credit that you’ve handled well and paid as agreed, is good for your score. Here are our top tips that can help to move your score upwards

Read Top Tips to Build Your Credit Score here

Guarantor loans for non-homeowners

We are “1 Plus 1 Loans” and we provide guarantor loans for people just like you.

Read Guarantor loans for non-homeowners here

4 things you need to know about guarantor loans

Thinking about taking out a guarantor loan? From the ‘how’ to the ‘who’, Here at 1Plus1 Loans we’re spelling out what you need to know before you make a decision. If you’re looking at taking out a guarantor loan, there are a 4 things you need to consider before you sign on the dotted line. We’ve delved into the questions you might be asking and explained some things you may need to know.

Read 4 things you need to know about guarantor loans here

Guarantor Loans for Bad Credit

Here at 1Plus1 guarantor loans we know there are lots of reasons why people can end up in a situation with bad credit. Reduced income, unexpected expenses and poor financial management, are just three of the type of events that can come together and lead to such a situation.

Read Guarantor Loans for Bad Credit here

Save and make money #3

Here at 1Plus1 Guarantor Loans, in these blogs, we want to help you save and make money with our savings and money-making suggestions to help you be better off financially.

Read Save and make money #3 here