How to manage your debt
Our practical tools, guides and personalised resources provide you with a compass towards financial freedom, helping you transform your financial outlook and live life on your terms.
Featured debt and credit articles
Loans & Credit
7 Debt management tips
To build wealth and focus on important financial goals, you need to trim down and ultimately eliminate debt. These debt management tips will help you stay in control of your money.
Loans & Credit
Tips to pay off your credit card debt faster
Depending on your lifestyle and how long you’ve had a credit card, paying off your credit card debt can seem challenging and may stand in the way of your other financial goals. Luckily, there are different methods available for you to pay off your credit card debt faster.
Savings & Budgeting
Managing interest rate hikes
When interest rates rise, it can be challenging to keep up your lifestyle and manage the effects of it. Rising interest rates will have an impact on your monthly expenses and reduce your spending power as both borrowing costs and your bond repayments increase.
Loans & Credit
5 Steps to a better credit score
Dreaming of a new car, home ownership or simply more financial freedom? A strong credit score is vital for achieving such goals, opening doors to better interest rates on loans, credit cards and even lower insurance premiums.
Loans & Credit
What are fixed vs variable interest rates?
If you’re looking to buy a house or car or sign up for a credit card or loan, you could be asked whether you want a fixed or variable interest rate.
Loans & Credit
Understanding the difference between loans, BNPL and overdraft facilities
Consumers have a wide range of different credit options to choose from nowadays, including loans, buy now pay later (BNPL) and overdraft facilities. All three are forms of credit that help you finance your purchases over a period, but they have key differences.
Learn more about credit cards
Loans & Credit
Understanding the basics of credit cards
There are many good reasons to get a credit card, and choosing the right one for your needs and spending habits can help you achieve your financial goals efficiently and affordably.
Loans & Credit
Budget vs straight: Understanding your credit card
Whenever you swipe your credit card in-store, you’ll most likely be asked whether you want to make the purchase ‘budget or straight’. The bank provides these payment facilities to give you options for how you plan to pay and how you’d prefer to structure the interest.
Loans & Credit
Store credit vs credit cards: What’s the difference?
You might be offered a store credit card at your favourite retailer, and since you shop there often, it might seem like a good idea. However, before you sign up, make sure that you know exactly what you’re getting into. When it comes to retail purchases, both credit cards and store cards help you afford your purchases, but they’re not the same.
Loans & Credit
When to use a credit card vs personal loan
There are times when you’ll need to unlock some extra cash, whether it’s for an emergency, a big expense or just enough to tide you over - and having access to credit can be a financial lifesaver. However, knowing how to use it is important for managing your money well and helping you best benefit from it.
Learn more about personal loans
Loans & Credit
What you need to know about personal loans
Whether you’re upgrading your home, booking a dream holiday, or covering an emergency, a personal loan can help turn plans into reality. But before you apply, it’s worth knowing exactly how they work, from the costs and requirements to the responsibilities that come with them.
Loans & Credit
A Student Loan that makes online learning possible
Need a laptop to join your online classes? We’ve made it easier for you to access the equipment you need with our new Student Loan offering.
Loans & Credit
Five benefits of an overdraft loan
If you’re considering an overdraft but you’re not sure if it’s right for you, here are five benefits to consider.
Loans & Credit
The ins and outs of personal loans
A personal loan can be a good option to finance that large project or big expense, but it’s important to understand which type of personal loan is best for your situation and how to use it to achieve your financial goals so that you don’t end up being burdened by more debt.
Loans & Credit
5 Types of loans
Looking for a brief guide explaining the various types of personal loans available? Look no further.
