Loans by purpose
A short-term lender rarely asks what the money is for, but the answer changes what you should do. Some of these expenses have a cheaper route that is not a loan at all, and each page says so where one exists rather than pretending credit is the only door.
Loan purposes 12
The question behind the question
An expense that recurs and an expense that does not are different problems. A car repair is a one-off you can pay off; a shortfall that appears every month is not solved by borrowing, it is postponed by it, and the pages here say which of the two a situation usually is.
Where an alternative exists — an employer advance, a burial society, a payment arrangement with the institution you already owe — it is named. None of those pay us anything, and they are frequently cheaper than any credit agreement.
Related
Sources and last checked
- National Credit Regulator — register of credit providers — Regulator, as at 10 August 2026.
Page last checked 10 August 2026. Statutory caps and lender terms change — confirm anything you intend to rely on with the provider or the National Credit Regulator. Found something wrong? Tell us and we will correct it.