Michael Maclean

Illustration of hands comparing two loan offer sheets beside a calculator and orange pencil.

FINN Learn

APR, fees and repayments: what borrowing really costs

The monthly payment is only part of the picture. Learn how APR, fees and the repayment term affect the full cost of borrowing.

Illustration of a man calmly talking on the phone while reviewing bills at a kitchen table.

FINN Learn

Struggling with repayments? Here’s where to start

If a repayment no longer fits your budget, you have options. Start with the bills that matter most, then get help finding a manageable way forward.

Illustration of a woman putting a coin into a savings jar beside a window overlooking a rainy terraced street.

FINN Learn

Building a rainy day fund when money is tight

A small buffer can make an unexpected bill easier to handle. Here’s a realistic way to start, even when there isn’t much left after payday.

Illustration of a care worker planning her money with a notebook at home after work.

FINN Learn

Making your wage work for you: a realistic money plan

A useful money plan starts with real pay, real bills and the time between them. Here’s a simple way to plan your next payday without judging yourself.