Free guides and calculators
Borrowing, explained properly.
Plain-English guides to loans, credit scores, secured lending, business finance and your legal rights, with free calculators to check the numbers yourself.
- 24 guides
- 6 free calculators
- 38-term glossary
£
%
months
Monthly repayment
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- Total interest
- Total repayable
Illustrative. Enter the figures from any quote.
Guides
Start with the basics
BasicsWhat is APR? A plain-English guideWhat APR means, what a representative APR is, and why the total amount repayable matters more.5 min readCreditHow UK credit scores workWhat Experian, Equifax and TransUnion record, what lenders actually look at, and how to improve your profile.6 min readBasicsSecured vs unsecured loans: which is right for you?How secured and unsecured loans differ on cost, risk, amount and eligibility, with examples.6 min readDebtDebt consolidation: pros, cons and alternativesWhen consolidating debts saves money, when it does not, and free alternatives to consider first.7 min readPropertyBridging loans explainedOpen and closed bridges, regulated and unregulated, retained interest, exit strategies and real costs.7 min readRightsYour rights under the Consumer Credit ActThe 14-day cooling-off period, early settlement, voluntary termination and how to complain.6 min read
Calculators
Check the numbers yourself
Loan Repayment CalculatorMonthly payment, total interest and total repayable for any amount, APR and term.Bridging Loan CalculatorWork out the gross loan, loan to value and total cost of a bridge with retained, rolled-up or serviced interest.LTV CalculatorWork out your loan to value, combined LTV and how much equity you could borrow against.Debt Consolidation CalculatorSee whether one loan would cost less than your current debts, monthly and in total.How Much Can I Borrow CalculatorGet an indicative borrowing figure from your income and outgoings. Lenders make their own assessment.APR CalculatorCheck the true APR of any quote from the amount, monthly payment, term and upfront fees.
Frequently asked questions
Does Astorly Finance offer loans?
No. We currently publish free guides and calculators only. We do not offer, arrange, broker or recommend credit.
Are the calculators free?
Yes. They run in your browser, store nothing and do not affect your credit score.
Is this financial advice?
No. Our guides are general information. For advice on your situation, speak to a regulated adviser or a free debt charity.
Where can I get free help with debt?
MoneyHelper, StepChange, National Debtline and Citizens Advice all offer free, confidential help.