WELCOME TO ISSUE 1 OF THE BADGER BULLETIN STRAIGHT FROM THE SETT

You may be wondering why you are receiving this newsletter? Easy answer - at some point in the last year you opted in to receiving marketing from Badger Loans while applying for a loan. Don’t fancy it? Not up your street? Not a problem. Simply go to the bottom of this newsletter and click the unsubscribe button and you won’t hear from us again.

On the other hand, you might be thinking, hang on—what’s in it for me?

Here’s what’s in it for you this week: our regular Hints & Tips kicks off with some basic but much needed ways to bolster up your credit score. We’ve also got our latest blog post on the Hidden Costs of Everyday Life (and ways to minimise them). Next we give you the not-so bad boy Bully Badger and the chance to buy or sell gold, silver and precious metals. Want a great way to double your credit score by simply doing what you do anyway? Head down the page to Boshhh Mobile and check out their deal. Once you’ve got past this weeks meme you can finish off with an entertaining piece on Spot The Difference Between Payday Loans and Loansharks. And that’s it for this week! We hope you enjoy reading it and sincerely hope you get something out of it. See you next week!

Struggling for air!? Need some room to breathe!?

Badger Loans has your back. And a snorkel!

We’re so much more than just a credit broker—we help repair your credit score while giving you access to some of the best bad credit loan deals in the UK. With our seamless process, you can:

• Get instant approvals on loans

• Enjoy same day payouts (or sometimes quicker!) directly to your account

• Double your credit score with our Boshhh Mobile Credit Repair Service

• Sell your Gold Silver or Jewellery with our Bully Badger bullion service

• About to inherit? Probate underway? See our Probate & Estate Loans

Why wait? Take control of your finances today

The Hidden Costs of Everyday Life

Ever feel like your money's slipping through your fingers? Or that your credit score is holding you back? You're not alone! We've got some awesome tips and a cool way to boost your credit, all in one place.

Ever wonder where all your money goes? We've got a blog post that breaks down the hidden costs of everyday life. You'll find out how to spot those sneaky expenses and some easy ways to save!

Bully Badger – Turn Old Gold into Smart Money

Meet Bully Badger.

He’s not an angry, uptight badger. He’s a helpful, friendly badger and he’s got one job and one job only. Before you think about taking out one of the more expensive loans of your life, have a look around your place for some unwanted, forgotten gold or jewellery. Found some? Head over to Bully Badger and sell it via our partnership with Hatton Garden Metals. They are one of the oldest and most trusted purveyors of gold and precious metals in the country and they want your old gold or jewellery.

Payday Loans vs Loan Sharks: Spot the Difference

When you're skint and desperate, both payday lenders and loan sharks might seem like lifelines. However, let’s be clear: one is legal daylight robbery, and the other is just robbery, full stop. Both are usury. Here's what you need to know before you sign your financial soul away.

Payday Loans: Extortion with a Licence

Payday lenders like Wonga (RIP) and their modern equivalents offer short-term loans at sometimes eye-watering interest rates. You borrow a few hundred quid, and before you know it, you owe twice that because of “fees” and “interest” that multiply faster than you can blink. The good news? They’re regulated. The bad news? They still make a fortune off the desperate.

What to watch out for:

• Sky-high APRs – Triple digits aren’t uncommon.

• Rollover traps – Can’t pay? Just borrow more! (And sink deeper.)

• Credit score impact – Miss a payment, and your score tanks.

✅ Legal? Yes.
❌ A good idea? No.

Loan Sharks: Payday Lenders Without the Paperwork

A loan shark is just a bankster in jeans. They lend cash (usually in secret) to people who can't get credit elsewhere, then use threats and the threat of violence to collect. No contracts, no rules—just a never-ending debt that can grow beyond your control.

Signs you've met a loan shark:

• No paperwork, just a “trust me” agreement.

• Payments that keep increasing on a loan that never ends.

• Threats, intimidation, or worse if you fall behind.

✅ Legal? Absolutely not.
❌ A good idea? Even worse.

The Bottom Line

Neither option is great, but if you have to borrow, payday loans are at least regulated. Loan sharks? Run a mile. Better yet, look at alternatives like credit unions, bad credit loans, or even asking your mate Dave (if he’s not also broke).

👉 Need safer borrowing options? Check out Badger Loans for actual solutions that won’t break your legs—or your bank account.

Boost Your Credit the Smart Way! 📱

Want to improve your credit score without crazy gimmicks? We've teamed up with Boshhh Mobile!

• How it works:

  • It's a SIM-only plan that reports your monthly payments to Equifax.

  • No credit checks, guaranteed acceptance!

  • Plans start at just £9.95 a month.

  • Many users see their scores jump in just six months!

  • First month is free!

• Why it's cool:

  • It’s a real way to build credit, not just a savings plan in disguise.

  • Uses the EE network for great coverage.

    👉 Learn more and sign up here:

    SIGN UP

Credit Repair - Tips & Hacks to Help You Thrive.

📈 Quick Money Tip: Want a Credit Score Boost? Get on the Electoral Roll

Sounds boring, but lenders love stability. Being on the electoral roll makes you look more reliable, and it can instantly boost your credit score. Sign up via Gov.uk – it’s free and takes five minutes.

4️⃣ Quick Tips & Tricks 

🔥 Fast Money Tips:
 ✅ Credit cards = use them as a short-term tool. They are NOT a long-term solution. Pay them off before interest kicks in or you’re just lining the banks’ pockets.
✅ Never auto-renew insurance. It’s always cheaper if you call up and “pretend to leave.”
✅ Debts spiralling? Prioritise repayments based on interest rates, not balances. Paying off the highest interest first saves you the most money.

Need a Loan? We've Got You!

• Amounts from £100 to £25,000.

• Terms from 12 months to 5 years.

• Good or bad credit? Not a problem.

👉 Find your perfect loan here: badgerloans.co.uk

That’s all for this week folks!

If you found this useful, share it with someone who might be in need of a little financial help.

📢 Want to keep getting this newsletter? Stick around for next week’s issue, where we’ll uncover a financial trap hiding in plain sight.

See you next time,
Badger Loans