Choose institutions that offer financial education with lending

Avoid payday loans — explore safer alternatives

Document everything from the start to protect yourself

Explore loan forgiveness or refinancing when eligible

Set alerts for when promotional periods end

Match the loan length to the asset’s life cycle

Know how loans affect your debt-to-income ratio

Make extra payments when you can to reduce interest

Shop around to get the best terms and conditions

Use business loans only for clear, strategic growth

Limit loan use for non-essential expenses

Evaluate student loan options based on your earning potential

Understand the benefits of secured vs. unsecured loans

Review your loan annually as part of financial planning

Avoid emergency loans unless it’s a true emergency

Don’t refinance just to reset your term

Check if the loan is reported to credit bureaus

Zopa Personal Loan: Check what you need to know

First Credit Home Loan: Check what you need to know

Know the difference between personal, auto, and home loans

NAB Bank Personal Loan: Check what you need to know