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

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?

Get a Refund on Your Pay Day LoanAs Featured in The Sun Newspaper!

Your Payday Loan is an Emergency!!!

Ways to Pay Back Your Payday Loan Quickly

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 (spoiler alert, don’t do it!)

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…