Resources

How Is Interest Calculated on a Line of Credit?

Close-up of a calculator on a desk while a person holds a pen and calculates the interest rate on their line of credit.

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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Is It Better to Lease or Finance a Car?

A couple sitting in a car dealership and signing papers to purchase a car

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 […]

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Advantages of No Credit Check Payday Loans

A white paper on a clipboard with "Payday Loans' worded on it.

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, […]

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Rates And Flexibility

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 […]

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Why More People Are Choosing Online Lenders Over Banks

Close-up of a person in a suit pointing at a holographic display showing an approved personal loan next to a declined personal loan.

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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The Eligibility Requirements for No Credit Check Loans

2 people meeting with a lender in a brightly lit office to discuss the eligibility requirements for no credit check loans.

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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The Benefits of Short-Term Loans for Unexpected Expenses

Close-up of a lender handing a person a cash loan over a desk that has a clipboard, pen, and papers on it.

Life is full of surprises. Sometimes, those surprises come with a hefty price tag. Whether it’s a sudden car repair, an unexpected medical bill, or an emergency home repair, financial challenges can arise when you least expect them. For anyone facing these types of situations, short-term loans can offer a practical and accessible solution.  Short-term […]

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What to Do When You Win the Lottery

A person sitting on their couch, looking at their laptop in shock and excitement with their hands on their head because they won the lottery.

Winning the lottery can feel like a dream come true. One moment, you’re quietly holding a ticket in your hand, and the next, your life changes completely. If you’ve struck gold with a Canadian lottery win, congratulations! But while the excitement of imagining endless possibilities is part of the fun, knowing the right steps to […]

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