Unhurried, plain-language guidance for anyone weighing up borrowing — and a partner network for the brokers and lenders who want to reach those people properly.
Here as a broker or lender instead? Read the partner overview.
Loan Resource Partners is an information and referral service. We are not a lender and we do not make credit decisions.
Answer what applies and the panel updates as you go. It runs in your browser, nothing is sent anywhere, and no account is needed to use it.
Every guide here is written for someone making a real decision with real money, in ordinary language, with the awkward parts left in.
You will not find an invented statistic, a fabricated testimonial, or an average-savings claim anywhere on this site. If we cannot source it, we do not print it.
Consumer guidance and partner material live in separate places, so nobody has to read past a sales pitch to find an answer.
Most borrowing goes wrong in the same few places. Someone accepts a longer term without noticing what it does to the total cost. Someone applies to six lenders in a fortnight and watches their file take the hit. Someone consolidates debt into a lower monthly payment and pays more over five years than they would have paid in three.
None of that is a knowledge failure on the borrower's part. It is a failure of the material they were given, which is usually written to move them along rather than to inform them. Our guidance is written the other way round.
Start with choosing a loan
Not a blog. Three long, specific pieces covering the decisions that actually cost people money.
Secured versus unsecured, fixed versus variable, term length, and matching the product to the problem instead of to the advert.
Read this guide Guide twoWhat genuinely moves a credit file, what moves it slowly, what does nothing at all, and how long it is worth waiting before you apply.
Read this guide Guide threeWhen it genuinely helps, when it just moves the problem, and the arithmetic that tells you which one you are looking at. Includes a calculator.
Read this guide
The partner side of this business is simple. We publish material that brings in people who are researching a decision rather than reacting to an advert, and we introduce them to partners whose products actually fit what they came here for.
That is a narrower proposition than most networks make. It also produces a better conversation on the other end of the introduction, which is the entire point.
See what the network offers partnersFour steps, in the order they actually occur, with nothing hidden in between them.
Nothing on this site requires an email address to read. There is no gate, no countdown, and no pop-up asking whether you are sure you want to leave. Read as much or as little as you like.
Sometimes it is not, and we would rather say so. Our guides include the cases where waiting, negotiating directly with a creditor, or speaking to a non-profit credit counsellor beats taking on a new loan.
Where you ask to be, we introduce you to partners in the network whose stated criteria match what you described. They contact you, they make their own decisions, and you are free to decline every one of them.
A referral is an introduction, not an approval and not an obligation. We are not a party to any agreement you sign, and every rate, fee, and term comes from the lender offering it.
The two halves of what we do are genuinely separate. Take the one that applies to you.
Start with the reading. When you are ready, you can create a free account to keep track of what you are considering.
Brokers, lenders, and financial service providers who want introductions to people already researching their own decision.
Six answers we give often enough that they belong on the homepage.
No. We do not lend, underwrite, service, or fund anything, and we make no credit decisions. We publish information and, where you ask us to, introduce you to partners. Every term you are offered comes from the lender offering it.
Nothing. There is no consumer fee for reading anything here, for creating an account, or for being introduced to a partner. Our revenue comes from partners in the network.
No. Browsing a website has no connection to your credit file. A credit check only happens when a lender you have chosen to deal with runs one, and they have to tell you before they do.
No, and we are careful about the difference. We publish general information. Advice about your specific circumstances should come from someone with no financial interest in the outcome — a non-profit credit counselling agency is a good place to start.
The partners we introduce you to, so they can respond. We do not sell your information into unrelated marketing lists. The privacy policy sets out the specifics, including how to have your record deleted.
Email us and we will suppress your details on our side. If a partner is contacting you, you will need to opt out with them directly as well, since they hold their own copy of your enquiry.
That order costs nothing and it is the whole of our advice. Start with the guidance, or take the three questions and let us point you at the page worth reading.
Loan Resource Partners is not a lender, bank, or credit union and makes no credit decisions. Creating an account is free and puts you under no obligation to apply for anything.