# Our Big Guide To Loans

**URL:** <https://community.emma-app.com/t/our-big-guide-to-loans/2901>\
**Category:** Debt & Loans\
**Created:** [September 16, 2020, 1:19pm UTC](https://community.emma-app.com/t/our-big-guide-to-loans/2901 "2020-09-16T13:19:05Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\
**Post date:** [September 16, 2020, 1:19pm UTC](https://community.emma-app.com/t/our-big-guide-to-loans/2901/1 "2020-09-16T13:19:05Z")

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Afternoon all 👋

Today on the blog we have another big ol’ guide - this time we’re looking at the different types of loans.

We’ve looked at everything from personal loans, to guarantor loans, to student loans.

You can read it hereee: [https://bit.ly/2Rxyf3e](https://bit.ly/2Rxyf3e)

Have you used loans before? What are your opinions on getting a loan?

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**Author:** ![Pa.ul](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/pa.ul/32/1195_2.png) [@Pa.ul](https://community.emma-app.com/u/Pa.ul)\
**Post date:** [September 16, 2020, 3:08pm UTC](https://community.emma-app.com/t/our-big-guide-to-loans/2901/2 "2020-09-16T15:08:03Z")

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I am from the generation that if you want something, you save up for it, i.e. no loan.

However, you could argue that my previous mobile phone contracts involved _loans_ as O2 sold them as _airtime tariff_ and _phone finance_.

SIM only now, so no loan.

I avoid loans and overdrafts with a passion.

Perhaps I am just lucky 🤷‍♂️ that I don’t _need_ them in my life.

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**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\
**Post date:** [September 16, 2020, 5:04pm UTC](https://community.emma-app.com/t/our-big-guide-to-loans/2901/3 "2020-09-16T17:04:19Z")

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> [@Pa.ul](#):
>
> I am from the generation that if you want something, you save up for it, i.e. no loan.

This is a great mentality to have 🙌

And yeah If you don’t need to get a loan, then there is no reason why you would get one!

The only loan I’ve had is a student loan - feel like I will be paying that back for years!

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**Author:** ![Pa.ul](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/pa.ul/32/1195_2.png) [@Pa.ul](https://community.emma-app.com/u/Pa.ul)\
**Post date:** [September 16, 2020, 6:20pm UTC](https://community.emma-app.com/t/our-big-guide-to-loans/2901/4 "2020-09-16T18:20:43Z")

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Ah bless.

I started work at 16, when I left school, deciding not to go into Further Education, despite my teachers pushing me to.

I think I’ve done ok 🤔

No student loan, at least 😁