Initially, applying for a new loan may cause a minor dip. However, over time, consistently making one single payment on time is often much better for your credit score than managing multiple high-utilization credit cards.

Unfortunately, we’re unable to offer free samples. As a retailer, we buy all magazines from their publishers at the regular trade price. However, you could contact the magazine’s publisher directly to ask if they can send you a free copy.

Many lenders, like NAB, offer loans with no early exit fees. We specifically look for these terms to ensure you have the flexibility to clear your debt faster if your income increases.