I’m John, the Money Nerd and I specialise in payday and subprime loans.

For 5 years I was chased by payday lenders and debt collectors. I learned tips, tricks and loopholes to beat them at their own game and didn’t pay back a penny!

Since then I’ve been helping people like you with their lending problems. Take a look around, a great place to start is my top posts.

In Debt?

Your Payday Loan is an Emergency!!!

Can’t Pay Back Your Loan? Read What To Do

Is a Temporary Repayment Plan A Good Idea?

On Top of Your Bills?

Making Extra Loan Repayments – The Pros and Cons

How to Reduce Your Monthly Loan Repayments

Should I Repay My Student Loan?

Need a Loan?

A Quick Guide to Personal Loans

A Quick Guide to Payday Loans

A Quick Guide to Credit Union Loans

A Quick Guide to Get a Cheap Loan

A Quick Guide to Using a Credit Card as a Loan


Coming soon…