We could all use a bit of extra cash at times - whether it’s to make home improvements, buy a new car, consolidate debts, or simply to take a much needed holiday. However, not all of us have lump sums of cash saved up - or, if a savings does exist, perhaps it’s already allocated to a different expense. Whatever the reason, not having access to money when you need it most can prove to be extremely difficult. However, the good news is that UK consumers have access to a range of effective resourc