Expert tips on borrowing cash, from everyday spending to £20k loans

There are many options, from cards to buy now, pay later. We find out the best – and the effect on your credit score Until recently, if you wanted to buy something you couldn’t afford upfront, you reached for a credit card or took out a loan. Now, when you get to the checkout, you are likely to be faced with other options, including buy now, pay later (BNPL). With so many ways to borrow, the true costs and complexities aren’t always clear. Which option will actually save you the most money in...

By Sarah Marsh Consumer affairs correspondent