Fixed vs. variable interest rates, and how they change what you pay
The difference between fixed and variable interest rates on loans, credit cards and mortgages, how index and margin work, and what to ask before you choose.
Loans
Before you sign a loan, know what you will pay in total. We explain rates, terms, payments and how to compare offers.
If you are just starting
All loans guides (3)
How to calculate the total cost of a loan before you sign
How to calculate what a loan costs in total, how rate, term and fees change it, and how to compare offers using the APR and the Truth in Lending disclosure.
Personal loans explained, how they work and what to check
What a personal loan is, when it can make sense, how applying affects your credit, how to compare offers and the warning signs of a loan scam.