Unlocking the benefits of a personal loan can be a game-changer. Whether you’re looking to consolidate debt, cover unexpected expenses, or fund a major purchase, understanding the key requirements before applying can save you time and make for a smoother process. Before applying for a personal loan, it is important to review the following requirements: […]
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Inflation isn’t just a buzzword thrown around by economists and news anchors—it’s a real financial force that can quietly eat away at your savings and investments. Understanding inflation has never been more critical for Canadians, especially considering its recent uptick. Inflation can significantly impact savings and investments by eroding the purchasing power of money over […]
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Small business owners often find themselves at the crossroads of personal and professional finances, particularly when seeking to expand their operations. Entrepreneurs navigating the complexities of credit inevitably ponder over how this decision will ripple across their personal financial landscape. A business loan can affect your personal credit but may not always do so, depending […]
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The Canada Emergency Response Benefit (CERB) has been closed for several months now, but some may still be dealing with the complications. If you’ve received unintended CERB payments, a financial advisor can help you determine your best options, and provide needed support if you’re having difficulties managing repayment. Learn more about what to do if […]
Navigating the world of personal finance isn’t always the easiest, and sometimes, a situation may arise where you find yourself in need of a personal loan. While personal loans can be an excellent way to pay for something you can’t immediately afford, you do need to pay them back in full plus interest, which means […]
As an aspiring entrepreneur or a seasoned business owner, you’re probably familiar with the adage that you need money to make money. The truth is that financial capital isn’t just a useful resource—it’s the lifeblood of your business, fueling growth, innovation, and day-to-day operations. Navigating the labyrinth of business loans can be daunting. But if […]
According to a recent Equifax survey, 97% of Canadians feel vulnerable to fraudsters and identity theft, and with good reason. With the increasing reliance on technology and online transactions, the risk of falling victim to these scams has grown significantly. Unfortunately, anyone can become a target for fraud, regardless of their financial situation—whether through email […]
At some point in our lives, we may all find ourselves in a financial bind. Whether it is an unexpected expense or a sudden loss of income, it can be challenging to make ends meet. In these situations, payday loans can be a short-term solution to alleviate the financial strain. Payday loans can be tempting […]
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Imagine this: you found yourself in a financial crunch, and you need quick cash. It’s a situation no one wants—or deserves—to be in, but it happens. Maybe your rent is due, you’ve had an unexpected car repair, or you simply need a cushion until your next payday. In times like these, short-term loans can provide […]
In a post-pandemic climate marked by inflation and escalating interest rates, many Canadians are embracing buy now, pay later (BNPL) payment plans. These payment methods are short-term financing plans that allow consumers to pay for purchases in installments (primarily online) instead of the total amount upfront, usually interest-free. For those facing financial constraints, BNPL can […]
Loan repayment terms of 6 – 84 months. APR between 16% and 48%. 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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