Canadians lost over $638 million to fraud in 2024, and the numbers keep climbing. As we move through 2025, scammers are getting smarter, more sophisticated, and unfortunately, more successful. The good news? Once you know what to look for, these scams become much easier to spot and avoid. These are the most prevalent scams hitting […]
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When you need a personal loan, you’ve got options. Unlike the big banks that dominate every street corner, credit unions offer an alternative that many Canadians may not fully understand. These financial institutions operate differently from traditional banks, often providing unique advantages for people seeking personal loans. Credit unions often offer lower interest rates on […]
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When it comes to managing finances, a line of credit offers flexibility that can be hard to beat. Whether it’s a home equity line of credit (HELOC) or a personal line of credit, understanding how interest is calculated is key to making smart financial decisions. Interest on a line of credit is typically calculated based […]
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Refinancing a car loan can be a game-changer for your finances, whether you’re looking to save money, lower your monthly payments, or shorten your loan term. But is auto refinancing always the right move? If you’re unsure how it works or if it’s a good fit for you, now’s the perfect time to weigh the […]
For first-time car buyers or those trying to stay within a budget, the decision to lease or finance a car can be overwhelming. Each option has advantages and disadvantages, and the right choice depends on your financial situation, lifestyle, and long-term goals. For many, financing a car is more appealing since it means you will […]
No matter how hard we try to plan for unexpected expenses, life has a way of throwing us curveballs. It’s not uncommon to find yourself in a financial emergency at some point. In situations like these, a payday loan can provide a much-needed lifeline to help you cover your expenses until you get paid. However, […]
Thank you for wanting to learn more about the revolutionary Blue Copper Club program and how it differentiates from a standard payday loan. In our first blog we’d like to look at the costs and flexibility that a club loan offers a club member We have all heard or have firsthand knowledge that payday loans […]
The financial landscape in Canada is transforming. More Canadians are turning to online lenders instead of traditional banks when seeking personal loans, payday loans, or other financial services. But what’s driving this shift? It seems to be a combination of convenience, faster approval processes, competitive rates, and flexible terms that online lenders offer. With the […]
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Budgeting can feel like a juggling act. Recent data suggests that as many as 41% of working Canadians are financially stressed as of 2025. It’s important to create a plan for your expenses to ensure you have enough money for the things you need. Whether you just went through a life change, growing your business, […]
Sometimes life throws unexpected expenses your way, and you might find yourself in need of financial assistance—fast. For Canadians with bad credit or no credit history, traditional loans may not be an option, making no credit check loans a popular alternative. But before you apply, it’s essential to understand the eligibility requirements for these loans […]
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Loan repayment terms of 6 – 84 months. APR between 16% and 35%. Example $1000 unsecured loan borrowed for 12 months at 29.9%, monthly payments of $106.46. Total repayment with interest $1,277.58. This information meets the requirements of the Consumer Protection Act
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