Toby takes out an affordable loan and improves his credit history

During his student years, Toby was struggling to manage his money which resulted in him very often failing to pay his bills on time.  Toby’s credit score was getting very poor and he was struggling to find banks that would lend him credit to cover his expenses. A friend of Toby’s had recently joined the credit union in their local area and strongly recommended it as his best solution. Considering his friend’s advice, Toby decided it was worth a try and applied for credit with the same credit union and in a few days they approved his application. The credit contract allowed him to set affordable re-payment amounts and times and Toby was able to repay his credit, whilst improving his credit rate.