Selected articles for topic: loan without credit check uk

→ 65 articles

Check also 122 Videos for this topic

No Guarantor Loans without Credit Check & Upfront Fees

Risk Free No Guarantor Loans in the UK

Personal Loan Lender is the fast growing online lender in the UK, offering risk free lending and without asking for any guarantor bonds. We have the experienced credit lenders offering the finest lending rates on bad credit no guarantor loans. Our no guarantor loans in the UK come with a commitment - Loans for all, including the bad credit...

Date: 2017-01-19 11:10:13
Website: http://www.personalloanlender.uk

No Credit Check Loans for Bad Credit People in the UK

Apply now to get a quote

DOB

I Agree to the Terms & Conditions.

Why choose us

Loans From £500 to £100,000*

Loans for any purpose

Loans for people with Bad Credit and CCJs,

Bad Credit loan decision to suit your circumstances today!

No Upfront / Application Fee

Poor Credit customers - Accepted

British Lenders UK is the reliable credit lending company working on the cloud based technology to...

Date: 2017-02-25 11:41:00
Website: http://www.british-lenders.uk

Guaranteed Loans with No Credit Check & No Guarantor

British Lenders UK is the leading financial resource for the guaranteed loans with no credit check offers. We are truly concerned about the interest of the borrower. We offer you the most affordable bad credit loans in whole of the UK. There are no early payoff penalties. We will help you to improve your credit. Your days of unemployment will be enjoyable, because there is going to be continuous...

Date: 2017-02-25 11:50:48
Website: http://www.british-lenders.uk

No Credit Check Loans: - everyonefinance.co.uk

Blog

Everyone Finance never charges any broker fee to process unsecured or secured loans. Be cautious: its loan SCAM if you get any call or emails that asks you payment to process loan or demand any advance instalment by Western Unions, CASH U, UKASH vouchers or credit card.

No Credit Check Loans:

You Can Get Instant Cash Even with Bad Credit History

If you are plagued by your bad credit...

Website: https://www.everyonefinance.co.uk

No Credit Check Loans with No Guarantor & Bad Credit

Apply now to get a quote

DOB

I Agree to the Terms & Policies

Unemployment with Stable Money

Unemployment can stumble your days of enjoyment. Credit Lenders offers you with superb deals on the unemployed loans , which will help in stabilising your finances during the times when you are off the job. The loans are available through simplified process.

Obtain Feasible Financial Aid through No Credit...

Date: 2017-01-30 09:12:27
Website: http://www.credit-lenders.uk

Short Term No Guarantor Loans for Bad Credit People UK

I Agree to the Terms & Conditions.

Apply Now

Related Loans

Payday Loans Bad credit Loans Unemployed Loans No Guarantor Loans Student Loans Business Loans Short Term Loans Guaranteed Loans Christmas Loans

Best Options on No Guarantor Loans

Guarantor and no guarantor loans are inter-complementing financing options available to the individuals, who are in the financial turmoil of their lives and...

Date: 2017-02-07 10:10:10
Website: http://www.loanpoint.uk

Guaranteed Easy loans, Direct lenders for bad credit ...

Blog

Everyone Finance do not charge or demand for upfront fees or any loan installment, Its Loan scam if you receive any call or email using our name and demand for any fee by credit card, western money transfer, u cash or cash u vouchers.

Easy Loans for good or bad credit No guarantor No upfront fees

Everyone Finance is one of the leading online loan companies in the UK market. We provide all...

Website: https://www.everyonefinance.co.uk

No Credit Check Payday Loans - readies.co.uk

More reviews...

A simpler option

Usually, there's nothing simple about getting approved for a loan. A typical lender might require you to fill out an enormous number of forms detailing your credit history, income, employment history, and more. With many lenders, the process of applying for this type of loan can literally be completed in minutes. You'll be surprised at how little effort it takes...

Website: https://www.readies.co.uk

EZloans - Loans for Mobile Homes - ezloanz.co.uk

Finance for Mobile Homes

Currently mobile homes are becoming more and more popular compared to condos, apartments or even houses. Before applying for a way to finance for mobile homes, it is important to first of all decide exactly what kind of a mobile home you would like to purchase. Depending on your needs, decide whether a single section mobile home or a multi section mobile home is...

Date: 2016-03-30 09:48:02
Website: http://www.ezloanz.co.uk

No Credit Check Car Finance, Bad Credit OK ...

By clicking on the submit button below, I agree to the Declaration, Terms and Conditions

This is a great service and l got approval within 40 minutes !

Mrs. Kelly - Enfield

I have a very poor credit history but got approved the same day

Ms. Downsize - Harlow

Poor credit and no deposit - we still got the finance we wanted

Mr. Regent - Romford

Credit Problems no longer have to hold you back from...

Website: http://www.usedcarfinancequote.co.uk

Guaranteed Instant Payday Loans for Unemployed, Bad Credit

I Agree to the Terms & Conditions.

Apply Now

Related Loans

Payday Loans Bad credit Loans Unemployed Loans No Guarantor Loans Student Loans Business Loans Short Term Loans Guaranteed Loans Christmas Loans

Great and Lucrative Payday Loans

Are you undergoing through financial tantrums ? Are you in need of instant cash that can help you pay all your advances until you have got your next pay day? Loan...

Date: 2017-02-07 10:10:10
Website: http://www.loanpoint.uk

UK Payday Loans No Credit Check 24/7 | SterlingStore

I need £

SterlingStore will help you find PAYDAY LOANS ONLINE for short term financial emergencies.

Our service could help you find a payday loan. Submit your information on our registration form and we'll send your details to our panel of lenders.

If a lender accepts your application, they will send the money to your bank account.

Confidential & Private

Open 24/7

When It's Appropriate to Get...

Website: https://sterlingstore.co.uk

Credit Union loans - Citizens Advice

This advice applies to England. Change country

Credit Union loans

Further help and information

About credit unions

A credit union is a self-help co-operative whose members pool their savings to provide each other with credit at a low interest rate. To be part of a credit union you have to share a common bond with other members. This is something you all have in common such as:

living or working...

Website: https://www.citizensadvice.org.uk

Instant No Credit Check Loans with No Guarantor in UK

Appropriate Soft Credit Check Loans from the Leading Brokers

Welcome to Oyster Loan, where we work to introduce you to offers that you can rely upon in times of financial urgency. If you are one of those with a bad credit history and struggling to manage the expenses, you can count upon us. We will help you by fetching the appropriate softcredit check loans that are relevant and suit your...

Date: 2017-02-16 11:26:04
Website: http://www.oysterloan.co.uk

Loans for Bad Credit - Choose a UK Loan with Poor Credit!

What is a bad credit loan?

It is a loan that is designed specifically for someone that has an adverse credit rating perhaps through defaulting on a credit card as a result of seeing his or her income reduce due to being made redundant. Banks and building societies are often reluctant to provide loans for people with bad credit in view of the additional perceived risk. You will repay the loan in...

Website: http://www.thebadcreditsite.co.uk

Bad Credit Payday Loans - Readies.co.uk

A bad credit payday loan is a form of personal finance designed for those with less than perfect credit profiles. Many banks do not advertise a bad credit loan as a product, but will accept those with a poor credit history for their personal loan product. There are banks who do have specific loans designed for those who don't have an amazing credit profile. Therefore when comparing these...

Website: https://www.readies.co.uk

Compare Bad Credit Loans UK | Poor Credit History Loans

Bad Credit Loans Questions & Answers

What's meant by the term 'bad credit'?

Everything stems from your credit file. You don't have a credit file until you turn 18 and can start to apply for credit - things like credit cards, loans, mortgages, etc. So, everyone starts by having no credit history at all.

Having no credit history can itself be a problem as lenders can't judge how reliable a borrower...

Website: http://www.solution-loans.co.uk

No guarantor loans bad credit | Guaranteed loans ...

What is guarantor and non guarantor loan?

Guarantor loans:

Guarantor loan is easy and the best way to get an instant loan if you refused due to bad credit history.

To get guarantor loans you need a guarantor who can repay your loan and other charges if you fail to repay that on agreed time frame. With guarantor loans you and your guarantor both are equally responsible to repay loan. Guarantor can...

Website: http://www.easyloanshub.uk

Compare Bad Credit Loans at Gocompare.com

Bad credit loans

Bad credit loan comparisons are provided by Lovemoney.com Financial Services Limited[1]

Use our smart search tool to see options you'll qualify for without damaging a credit record

Compare bad credit loans, interest rates and terms from multiple providers

Read our guide for pitfalls to avoid and bad credit loan alternatives you may want to consider

Guide to bad credit...

Website: http://www.gocompare.com

Payday Loans from a good direct lender - Cashfloat

£492.80

1 month loans are suitable for a quick cash injection when you know you can repay immediately. A 1 month payday loan is usually used for a one-off emergency that is unavoidable.

2 month loan

£570.36

£285.18, £285.18

The interest on a 2 month payday loan often be cheaper than a 3 month loan, especially if you're looking for 2 month loans with no credit check.

3 month...

Website: https://www.cashfloat.co.uk

PayDayWad - No Credit Check Loans of £50, £100 to £1000

Instant Decision Payday Loans broker service.

Easy online application

Quick approval pay day loans

Safe and secure

Instant Decision Payday Loans

What are Instant Decision Payday Loans?

Payday loans, sometimes called cash advances or payday advances, are short-term loans used by people with immediate money needs. These Instant Decision Payday Loans are between £50 and £1500 and are paid back on your next pay day. When payment is due, the repayable amount is automatically withdrawn from your bank account. At this time,...

Website: http://paydaywad.co.uk

Payday Loans - Get Up to EURO 500 Today - View Payday ...

Charts

Payday Loans

Below you can view and compare payday loan providers for the Republic of Ireland. The payday loans market is not yet as advanced in Ireland as in the UK and USA, but there are lenders available if you a loan to tide you over until your next pay day! Most payday loan providers offer loans of between EUR100 and EUR1,000 but the amounts may vary so include this in your...

Website: http://www.whichwaytopay.ie

Credit Report, Credit Check & Free Credit Score | Experian

Get my score FREE FOREVER & compare We are a credit broker and not a lender.+

If you would like a copy of your £2 statutory credit report order here

We work with the UK's leading credit providers

We can help you take the guesswork out of applying for Credit Cards & Loans

Get your FREE Experian Credit Score

Compare Credit Cards, Loans & Mortgages

Find out how likely you are to be accepted++

Or if you would like to understand the factors affecting your credit score, get access to your Experian Credit Report & more, you can do this with a 30-day trial of CreditExpert.

Receive personalised tips on how to improve your...

Website: http://www.experian.co.uk

Quick Payday Loans No Credit Check - Bad Credit OK!

Complaints

Payday2day.co.uk is not a direct lender, we are a free to use loan matching service. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to £1,000 loans, and not all...

Website: https://www.payday2day.co.uk

Compare Bad Credit Loans | uSwitch.com

Compare Bad Credit Loans

Compare loans

You are viewing:

If you have a less than perfect credit score it can be difficult to borrow money, bad credit loans could enable you borrow.

Over how long?

Show results

Loans displayed have term lengths between 6 months and 7 years, 18.2% APR and 49.9% APR.

The amount is based on monthly compounding and for comparison purposes only.

Monthly...

Website: https://www.uswitch.com

Short Term Loans | Apply Online | 3 Month Repayment Plan ...

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

What Are The Pros Of Short Term Loans?

There are a number of pros for short loans, and they are good if you're looking to cover a cash shortfall. They are also good if you're confident that you'll be able to repay the short loan on time. However, they're not for everyone.

Some of the pros of...

Website: https://www.wizzcash.com

Need a Loan? Compare Cheap UK Loans Online. Apply Today!

Boost your chances of approval

Find the loans you're most likely to get

No impact on your credit rating

See if you'll be accepted before you apply

Get an instant response

Our eligibility check is quick and easy - start now

How much do you want to borrow?

£4000

How long do you want to borrow for?

24 months

Loading ...

SECURED LOANS: THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR...

Website: https://www.totallymoney.com

Quick, Affordable and Flexible online loans from Fast Loan UK

UK? Quite simply, because we are the best at what we do...

Affordable loans that are quick and easy

We ensure any loan we give you is affordable. If this means spreading repayments out into small manageable repayments then this is what we'll do.

We say YES, where other lenders say NO

We assign each and every applicant a Customer Care manager. We are therefore able to lend to those that other...

Website: https://www.fastloanuk.co.uk

Quick Loans | Get A Quick Loan up to £1,000 Within 1 Hour ...

o Emergency flights to a funeral

o Urgent dental care

o Emergency medical bills

o Many more.

We won't ask questions about what you want to do with your money, but due to our responsible lending practices and authorised Financial Conduct Authority regulations , you will have to undergo a number of checks before your quick loan application is approved.

How Do Quick Loans Work?

The process of...

Website: https://www.wizzcash.com

Business Loans UK | ezbob Instant Business Loans UK

£22,500

No obligation

* For illustrative purposes only. Example shown based on 1.6% interest per month and 3.5% arrangement fee. All loans are subject to status and arrangement fee between 3-7% of amount borrowed. Loans subject to satisfactory credit and affordability checks.

Serving all UK companies

We have helped thousands of companies from all industries

We believe that ezbob business loans...

Website: https://www.ezbob.com

Secured Loans - Homeowner Loans | moneyfacts.co.uk

See all

The table above shows secured loans in rate order. You can click on the column headings to reorder the table. Moneyfacts.co.uk shows whole of market secured loans information. We will refer you to Loans Warehouse, an independent credit broker authorised and regulated by the Financial Conduct Authority. They will source the most appropriate secured loan based on your circumstances and...

Website: moneyfacts.co.uk

Unsecured Personal Loans - M&S Bank - Credit Cards ...

Benefits of an M&S Personal Loan

Great rate of 3.0% APR representative on loans between £7,500 and £15,000

Repay your loan over a period of 1 to 7 years on loans between £1,000 and £15,000, or over a period of 1 to 5 years on loans between £15,001 and £25,000

Option to defer your repayments for 3 months

No arrangement or set-up fees

Want to do a quick loan eligibility check? Find out more about a personalised loan quote

Credit subject to status to UK residents only. To apply you must have an annual income of at least £10,000 and be aged 18 or over.

Features and benefits

Defer the payments on...

Date: 2017-02-27 10:44:35
Website: http://bank.marksandspencer.com

Top 10 Debt Consolidation Loans for Bad Credit - money.co.uk

If you have problems with bad debt loans might not seem like the obvious way out the red, but can sometimes offer a way to organise your finances and lower the amount you pay.

So even if your circumstances have left you with bad credit consolidation loans could still be an option.

Rather than paying off all of your loans, credit cards and overdrafts with several different payments each month, a...

Website: money.co.uk

No Fee √ Easy Loans - Loans for adverse credit for people ...

Debt Consolidation Loans

Debt consolidation loans are loans used to pay off all of your existing debts, leaving you with just one affordable monthly payment. This type of loan is a great solution for those wanting to regain control of their finances and protect their credit rating. Borrow from £1000 to £25,000.

More Information »

Reasons Why Loans Can Benefit Your Life

Buy more time & regain...

Date: 2016-09-25 17:42:38
Website: http://www.easyloanscompany.co.uk

Bad Credit Finance | Poor Credit Finance - Solution Loans

Bad Credit Options

How to Borrow Money if you have Bad Credit

If you have a bad credit history you may think you can't get any credit. You may already have been rejected by some lenders. But having a bad credit rating doesn't have to mean that credit isn't available. You may have to look a little harder and be prepared to pay a higher price for it, but it could be there.

Quick Start - Get your...

Website: http://www.solution-loans.co.uk

Lloyds Bank - UK Loans - Loan Calculator & Interest Rates

Loan calculator

Looking for a personal loan but not sure how much your repayments might be? Use our handy loans calculators to find out.

Our unsecured personal loan can be used for many purposes, whether you're planning some home improvements, getting your finances in order or thinking about buying a new car.

How much we lend and the rate available are subject to our assessment of your...

Date: 2017-02-06 13:24:55
Website: lloydsbank.com

Lloyds Bank - UK Loans - Loan Calculator & Interest Rates

Loan calculator

Looking for a personal loan but not sure how much your repayments might be? Use our handy loans calculators to find out.

Our unsecured personal loan can be used for many purposes, whether you're planning some home improvements, getting your finances in order or thinking about buying a new car.

How much we lend and the rate available are subject to our assessment of your...

Date: 2017-02-06 13:24:55
Website: lloydsbank.com

Payday Loans £50 to £1000 | No Fees UK Service

Ensure you can repay on time

Ask yourself if this is the correct type of borrowing for your needs

Check if this type of borrowing is cost-effective

Don't:

Borrow if you can't realistically repay it

Roll-over repayments

Worry about the APR% - look at the absolute cost of repaying

For detailed answers to any questions you may have you should check out our FAQ section . Here we cover all the main...

Website: http://www.solution-loans.co.uk

Cashfloat | Payday loans from responsible direct lender

Loan calculator

Welcome to Cashfloat - An honest, direct lender.

Before you apply for an affordable payday loan with us, please think about the following: How much money do you really need at the moment? And, how much can you pay back every month?. Please don't ask for less than what you need to try to get approved and be honest with yourself and with...

Website: https://www.cashfloat.co.uk

Debt Consolidation Loans | Personal Loans - Santander UK

The maximum APR we could offer you on any loan amount is 24.9%.

Your personal circumstances may affect the rate we can offer you.

With our personal loans you'll get:

Fixed repayments for the life of your loan: we'll take your repayment by Direct Debit each month on a date you specify between 1st and 28th of the month. You pay back over 12 to 60 months with the option to overpay at no cost.

An...

Website: http://www.santander.co.uk

Home Improvement Loans | Personal Loans - Santander UK

The maximum APR we could offer you on any loan amount is 24.9%.

Your personal circumstances may affect the rate we can offer you.

With our personal loans you'll get:

An...

Website: http://www.santander.co.uk

Logbook Loans - Cheapest UK Lender 99.9% RAPR

Logbook Calculator log book loans are typically cheaper than the loans offered by their major competitors based on the representative APRS quoted. Analysis of the interest being offered on each company's website on 29th of September 2016 showed that it would be possible for a customer to make the following saving by taking out a loan with Logbook Calculator.

Logbook Calculator, along with the...

Website: http://logbookcalculator.com

Pounds Till Payday - Instant Payday Loans Direct Lenders UK

Estimated Monthly Instalment:

£*

* These amounts are for illustration only. The total cost of credit and instalment payment amounts are based on actual loan term and payment schedule. Please ensure you can afford the payments before applying. Credit approval is based on individual circumstances and credit checks.

Safe, Responsible, Convenient

PoundsTillPayday.co.uk is a responsible lender. We are...

Website: https://www.poundstillpayday.co.uk

Guarantor Loans UK | Loans with a Guarantor | £100 to £15,000

More Information about Guarantor Loans

How does the Free Enquiry Service work?

Our no fees broking service helps you in a number of ways. It:

Tells you which lenders will lend to you in principle

Allows you to compare lenders to help you choose the best loan

Means you can directly complete your application with your chosen lender(s).

Our technology talks to 99% of the UK's top guarantor loan...

Website: http://www.solution-loans.co.uk

Guarantor loans - Gocompare.com

Guarantor loan criteria

For loan applicants

To take out a guarantor loan, you'll need to be over 18 years old and hold a UK bank account from which you can make the repayments.

You'll also need to demonstrate to the lender that you'd be able to afford the repayments, for example by showing that you have a regular salary.

For guarantors

To act as a guarantor for someone's loan, you must be over 21...

Website: http://www.gocompare.com

Instant Payday Loans Online With No Credit Check (UK ...

Groceries

& Much More

Thank you for visiting Swift Money and considering our services. If you have any queries or concerns we would love to hear from you. You can contact us via Email, Live Chat or by Phone. For full details please see our Support page.

QuickQuid - Payday Loans and Short Term Credit

Wonga Loans

Terms and conditions apply. Applicants must be 18 or over. +All loans are subject to affordability, applicant verification and traditional credit checks via various national databases in accordance with QuickQuid's responsible lending policy. Loan/credit limit maximum of £1000 for...

Website: https://www.quickquid.co.uk

Business Loans Bad Credit | Poor Credit Finance | Liberis

Business loans for bad credit

Funding available for £2.5k to £300k depending on your card revenue

You pay back only as you earn

One clear cost (no APR)

No fees, charges or hidden costs. Ever.

Get a quote

A poor business credit score shouldn't hold you back from growing your business

If you've got a bad credit history you may find it difficult to get a conventional Company Loan . It's an...

Website: https://www.liberis.co.uk

Payday Loans at 247Moneybox - Online Short-Term Lender

Your name

APPLY NOW

Representative Example: Total amount of credit £80, duration of the agreement 29 days, rate of interest 292% per annum (fixed), total amount payable (in one repayment) £98.56. Representative 1281.8% APR.

247Moneybox is rated 4.7 stars based on 50 reviews from the last 12 months

Rethinking the way we access credit

Established in 2009, 247Moneybox is an innovative...

Website: https://www.247moneybox.com

Business Loans | Important Information - Santander UK

Whatever your plans, get them started with a fixed rate Business Loan.

To be eligible for a Small Business Loan you must also be a Santander Business Current Account holder.

Put your plans into practice: Borrow from £2,000 up to £25,000

Terms based on your needs : Pay back over 1-5 years

Manage your monthly costs with a fixed rate: from 4.9% APR to 24.9% APR

No fees: We won't charge you an...

Website: http://www.santander.co.uk

1 - 50 of 65 Articles

Page : First | < Preceding | Next > | Last

0 | 1

No Guarantor Loans without Credit Check & Upfront Fees

No Credit Check Loans for Bad Credit People in the UK

Guaranteed Loans with No Credit Check & No Guarantor

No Credit Check Loans: - everyonefinance.co.uk

No Credit Check Loans with No Guarantor & Bad Credit

Short Term No Guarantor Loans for Bad Credit People UK

Guaranteed Easy loans, Direct lenders for bad credit ...

No Credit Check Payday Loans - readies.co.uk

EZloans - Loans for Mobile Homes - ezloanz.co.uk

No Credit Check Car Finance, Bad Credit OK ...

Guaranteed Instant Payday Loans for Unemployed, Bad Credit

UK Payday Loans No Credit Check 24/7 | SterlingStore

Credit Union loans - Citizens Advice

Instant No Credit Check Loans with No Guarantor in UK

Loans for Bad Credit - Choose a UK Loan with Poor Credit!

Bad Credit Payday Loans - Readies.co.uk

Compare Bad Credit Loans UK | Poor Credit History Loans

No guarantor loans bad credit | Guaranteed loans ...

Compare Bad Credit Loans at Gocompare.com

Payday Loans from a good direct lender - Cashfloat

PayDayWad - No Credit Check Loans of £50, £100 to £1000

Payday Loans - Get Up to EURO 500 Today - View Payday ...

Credit Report, Credit Check & Free Credit Score | Experian

Quick Payday Loans No Credit Check - Bad Credit OK!

Compare Bad Credit Loans | uSwitch.com

Short Term Loans | Apply Online | 3 Month Repayment Plan ...

Need a Loan? Compare Cheap UK Loans Online. Apply Today!

Quick, Affordable and Flexible online loans from Fast Loan UK

Quick Loans | Get A Quick Loan up to £1,000 Within 1 Hour ...

Business Loans UK | ezbob Instant Business Loans UK

Secured Loans - Homeowner Loans | moneyfacts.co.uk

Unsecured Personal Loans - M&S Bank - Credit Cards ...

Top 10 Debt Consolidation Loans for Bad Credit - money.co.uk

No Fee √ Easy Loans - Loans for adverse credit for people ...

Bad Credit Finance | Poor Credit Finance - Solution Loans

Lloyds Bank - UK Loans - Loan Calculator & Interest Rates

Lloyds Bank - UK Loans - Loan Calculator & Interest Rates

Payday Loans £50 to £1000 | No Fees UK Service

Cashfloat | Payday loans from responsible direct lender

Debt Consolidation Loans | Personal Loans - Santander UK

Home Improvement Loans | Personal Loans - Santander UK

Logbook Loans - Cheapest UK Lender 99.9% RAPR

Pounds Till Payday - Instant Payday Loans Direct Lenders UK

Guarantor Loans UK | Loans with a Guarantor | £100 to £15,000

Guarantor loans - Gocompare.com

Instant Payday Loans Online With No Credit Check (UK ...

QuickQuid - Payday Loans and Short Term Credit

Business Loans Bad Credit | Poor Credit Finance | Liberis

Payday Loans at 247Moneybox - Online Short-Term Lender

Business Loans | Important Information - Santander UK

Related topics