If you have a credit history that isn’t ideal or you have a low credit score, you might find it difficult to get a personal loan, but bad credit doesn’t have to stand in the way of borrowing money. To get access to the credit you need, there are many lenders that will assess more […]
If you’re in need of some fast cash, a payday loan can help you get the money you need. While applying for a payday loan is easy, a lot of people hesitate because they’re worried taking out a payday loan will ruin their credit. But will it? In Canada, credit scores range from 300 to […]
When thinking about your financial goals, consider adding “improve my credit score” to the list. A good credit score can significantly impact your credit availability, the likelihood of qualifying for a personal or business loan, line of credit, and getting the best interest rates. Simply put, your credit score could save you money in the […]
Read More… from How Long Does it Take to Improve Your Credit Score?
Budgeting can feel like a juggling act. Research shows that 48% of Canadians have lost sleep due to financial stress. 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, or helping out your […]
Have you heard the saying “You have to spend money to make money”? If you have, you should know that it’s true. If you want your business to grow, you have to be willing to invest money in equipment, inventory, and expansion, to reap the benefits in your revenue. But coming up with the money […]
Read More… from What Are the Requirements for a Business Loan?
Credit scores are based on the information in your credit report, and they can significantly affect your financial life. Creditors, such as banks or lenders, will often look at your credit score when reviewing all types of applications. If you have a low credit score, you may be unable to get a loan, or you […]
What are your financial goals? Will a loan help you reach them faster?. For example, loans can grow your business, get you through in a pinch, or help you buy assets, such as a vehicle. Even though loans are a great way to boost your finances, you need to consider the cost of interest payments […]
If you’re a little short on cash and you can’t wait until your next paycheck, a payday loan may be just the thing to help get you out of a pinch. But how does a payday loan affect you long-term? A question we get a lot is how a loan can affect your credit. If […]
Understanding your personal finances can be overwhelming. Many people don’t know where to start, which can be discouraging. This can keep people from learning about their finances until they are forced to. But learning about your personal finances doesn’t have to be scary! With a bit of planning, a good strategy, and a basic understanding […]
Read More… from 10 Financial Lessons & Skills I Wish I Learned Earlier
Getting a handle on your own finances seems daunting, especially when the industry’s jargon is unfamiliar. (That’s why you leave it to the pros, right?) But having a basic understanding of some common financial terms can help you navigate your finances a little better and save you some time to focus on investing or nurturing […]
Read More… from Financial Terms You Need to Know: Net Pay, DSR, Cash Flow, & More
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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