Borrowing money
Most people will need to borrow money at some stage to tide them over in an emergency, to buy larger items or to fund a special event. Borrowing money can also be called credit.
Before you borrow money, it's important to make sure you will be able to keep up the repayments, otherwise you could be taken to court and might even lose your home or other valuable possessions.
Find out about the different ways to borrow money, how to borrow sensibly and how to avoid some of the pitfalls of borrowing which can lead to problems with debt
This content applies to Scotland
Types of borrowing
Getting the best credit deal
Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whehter you can afford the repayments.
How lenders decide whether to give you credit
Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit.
Your rights when you borrow money
The rights you have when you borrow money or take out credit including using a credit card, taking out a loan or a bank overdraft and buying goods on credit.
Credit cards
Borrowing fact sheets
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34 KB]Top tips for borrowing
Top tips for borrowing money, taking out a loan or using a credit card.