Are you looking to take your credit score to the next level in 2020, but aren’t sure how? As a Top Rated National® money lender in Ontario, Cash 4 You is here to help you optimize your financial profile by building good credit. That’s why we’re committed to offering more than just loans to our friends and neighbors all across Ontario. Along with our installment loans, you can enjoy the CreditBoost™ benefit, which is designed to help you transform your credit standing and financial well-being one payment at a time. Keep reading to learn more.
What Is an Installment Loan?
Installment loans are some of the most accessible and practical personal loans that can benefit people of all credit standings and from all walks of life. At Cash 4 You, we offer installment loans in amounts ranging from $1,000 up to $15,000. They are called installment loans because borrowers repay the loan in sensible installment payments over the course of 60 months or less, depending on the terms of the loan. Because this loan is considered an unsecured loan, there is no need to put up any collateral for the loan. What’s more, we look at more than just your credit score when you apply, which is why you will never need a co-signer. We make getting instantly approved for your installment loan fast, easy, and stress-free. Plus, you’ll get your money the same day you’re approved.
Now that you know what an installment loan is, you’re probably wondering how this loan can help you build your credit. Check it out.
Make On-Time Payments
Paying your installment loan on time is one of the best ways to improve your credit score. By making your regularly scheduled loan payments on time and according to your pay frequency, you show that you are a responsible borrower who is attentive to paying your loan. Unlike other money lenders, Cash 4 You notes each on-time payment in our system. We then report all of your timely payments to major credit bureaus like Equifax so that you can begin accumulating positive notations on your credit history.
Pay the Full Amount Due
Paying the full amount due on your loan payment can also improve your credit score. For one, paying less than what is due can put you further and further into the hole, which will hurt your credit at the same time. But by paying the full payment amount due on your installment loan, you show that you are responsible, trustworthy, and financially capable of repaying your loan. This can help you improve your credit score while strengthening your purchasing power. Additionally, this reflects positively on you as a borrower that could make it easier to get approved for future personal loans, car loans, mortgage loans, and more.
Get Approved for a Loan Now
Are you ready to unlock your financial potential? There’s no better time to start than now. At Cash 4 You, we have funded more than $1 billion in loans for hard-working Canadians just like you. With an installment loan, you can get access to cash money while building your credit and strengthening your purchasing power. Connect with us today to get started!
With the new year comes many new opportunities to make improvements to all aspects of your life. At Cash 4 You®, we’re dedicated to helping you improve your financial well-being through an array of loan options that can not only give you the money you need when you need it, but which can also help you build or strengthen your credit profile while increasing your spending power. If you’re in the market for a personal loan in 2020, but aren’t sure which loan is best for you, we’re here to help. Keep reading to learn about the best personal loans to consider this year, and connect with Ontario’s Top Rated Local® money lender to get instantly approved for a cash money loan right now.
What Are the Best Personal Loans?
When it comes to borrowing money, you want to find a loan that makes the most sense for you. Before we start exploring your loan options, here are some things to consider before choosing a loan.
How much money do I need?
What do I need the money for?
How are my finances?
Do I have an open, active bank account?
Have I recently applied for credit cards or loans?
What is my current debt-to-income ratio?
Will borrowing money help me achieve my goals?
Can I afford a monthly loan payment?
What are the minimum and maximum amounts I can realistically afford to borrow?
These questions can help steer you in the right direction toward finding the best loan for your circumstances. Now then, let’s explore your loan options.
Unsecured Personal Loans
Unsecured personal loans are typically easier for virtually anyone to get approved for. This type of loan can be approved as long as you meet the money lender’s loan application requirements, and you do not have to provide any collateral to get the loan.
At Cash 4 You, we want to help all hard-working Canadians just like you get the money they need when they need it — regardless of your credit standing. That’s why all of our personal loan options are unsecured loans for maximum accessibility and affordable.
Payday Loans
Sometimes borrowers only need a small amount to get them through until their next payday. A payday loan — also referred to as an instant cash loan, short-term loan, or cash advance loan — has a quick and easy approval process and instant cash payouts. Unlike other personal loans offered in larger amounts, payday loans are offered in amounts up to $1,500. This loan is designed to be super easy to repay using your next paycheck.
Payday loans are ideal for making smaller purchases, covering monthly living expenses, or paying bills. This type of loan is also perfect when you’re in a financial pinch and need some instant cash money to get you through until your next payday.
Installment Loans
When you need a larger amount of money to cover a big purchase, fund home improvements, cover wedding expenses, or to fund your dream vacation, an installment loan is your best choice. Cash 4 You offers installment loans ranging from $1,000 up to $15,000. The approval process is just as easy as it is with our other personal loans. We have relaxed credit requirements and will consider other aspects of your financial standing — not just your credit score. This allows us to fund hundreds of thousands of loans for people falling anywhere on the credit spectrum. What’s more, you can take up to 60 months to repay your loan according to sensible repayment terms agreed-upon during your approval.
An Excellent Credit-Building Loan
One of the best benefits of an installment loan with Cash 4 You is that you cannot only get the money you need, but you can also build and improve your credit over time. You see, unlike other money lenders, we report each on-time payment you make to the top credit bureaus. Each on-time payment leaves a positive mark on your financial profile, meaning you can grow and improve your credit score with each payment you make! Follow the link to learn more about CreditBoost™ and how it can benefit your financial well-being.
Apply for a Personal Loan Today!
Are you ready to find the best loan for you and your family? We’re excited to help you get the money you need and deserve. Apply for a personal loan of up to $15,000, and get approved in minutes! At Cash 4 You, we make it fast and easy to get the money you need to cover monthly expenses until payday, or to fund big purchases, life events, vacations, and more. Apply online to get started, or drop by a Cash 4 You in Ontario where we have more than 100 convenient locations to serve you. Get your money, and make 2020 your best year yet!
It’s hard to believe Valentine’s Day is nearly here. For many of us, we’re still settling back into a normal routine after the whirlwind of the end of the year holidays. That being said, if you’re still recovering from the holidays, money may be tight for Valentine’s Day spending. If you’re trying to stick to a budget for Valentine’s Day, your friends at Cash 4 You® have a few handy tips to make this lovers’ holiday budget-friendly. Keep reading to learn more, and visit Cash 4 You to learn more about our installment loans in amounts ranging from $1,000 up to $15,000. We’re happy to get you the money you need for Valentine’s Day.
Just because you’re working within a budget, doesn’t mean you have to sacrifice your fun. Use these tips to make Valentine’s Day affordable for you and your special someone.
Make Breakfast in Bed
Going out to breakfast is always fun, but it can get costly. Instead, save a little money by making your partner breakfast in bed. Buying breakfast fixins is always cheaper than paying someone else to make breakfast for you. Plus, making breakfast in bed is an excellent way to start the day, and makes for a more intimate, less-stressful, and more affordable morning date.
Plan a Picnic Lunch Outdoors
A picnic is always a winning way to celebrate Valentine’s Day. The two of you can either create a fun and yummy picnic lunch together, or you can surprise your special someone with an impromptu romantic picnic date. No matter where you live in Ontario, there are any number of locations that provide a perfect place to picnic (even if it’s a little chilly). Just don’t forget the chocolates and the bubbly to warm you up!
Make a Romantic Dinner at Home
Valentine’s Day is always a great reason to go out to dinner with your special person, but it can also be quite expensive and even stressful. This year, skip the packed restaurants. Instead, stay in and cook a romantic dinner at home, complete with delicious eats by candlelight, music, fancy drinks, and a decadent dessert. You can even go all out by getting dressed up in fancy clothes to make your romantic dinner even more special. Follow up your dinner with dancing to a playlist of your favorite songs, a moonlit evening stroll, or a viewing of your favorite romantic comedies.
Take a Drive Together
Enjoy a romantic drive together to the place where you first met, someplace you’ve never been, or somewhere away from the hustle and bustle of city life. If it works with your budget, make a night or a weekend out of it. Even if you don’t, an installment loan is a great way to fund a romantic Valentine’s Day getaway without breaking the bank, or without charging expenses to your high-interest credit cards. Get instantly approved for a loan right now!
Get Approved for Your Personal Loan for Extra Funds
If you want to make this Valentine’s Day extra special without running your bank account dry, having some extra funds from a personal loan can help! When you have some extra money to work with, staying within your budget is easier than ever. What’s more, you can fund gifts and pay for a romantic getaway, all while still having money left over for other purchases, to build up your savings account, and more.
Apply for your installment loan online and we’ll approve you in minutes. You can also drop by one of our 100+ Cash 4 You stores to get the best loan in Ontario. Use up to $15,000 how you want and make this Valentine’s Day one you will both remember, all while working within your budget. Apply for your loan today!
Want to learn how an installment loan with Cash 4 You can help you get the money you need and build good credit? Follow the link to learn more about CreditBoost™, an outstanding benefit that you can enjoy with your personal loans through Cash 4 You. Start making a positive impact on your credit profile one payment at a time!
Let’s face it, Valentine’s Day can be quite a costly holiday. You will go out of your way to make this special day a memorable one for your significant other, but when you have limited funds, it can be hard to purchase gifts, or even treat your special someone to dinner and drinks. But there’s no need to fret — Cash 4 You® is here to help you when you’re in a pinch! Keep reading to learn how an instant cash money loan can make this Valentine’s Day affordable. Ready to get instantly approved for a payday loan of up to $1,500? Apply now!
What Is a Payday Loan?
Cash 4 You makes it easy to get instantly approved for a payday loan in amounts of up to $1,500 to cover Valentine’s Day expenses. Approval is fast and easy, and we work with individuals of all credit standings. You can apply online, or you can stop by one of our 100+ locations in Ontario to get approved fast. Our simple repayment terms mean that you can pay your loan using your next paycheck. All you need to get approved is:
To be at least 18 years of age
To be an Ontario resident
To have a government-issued ID
To be employed
To make a minimum of $250 per net pay
To have an active bank account
A payday loan is perfect for smaller purchases and expenses, especially around holidays like Valentine’s Day. Here are five ways this type of personal loan can make Valentine’s Day affordable this year.
Get Instant Access to the Cash You Need
You can get approved for a cash money loan at Cash 4 You in just a few minutes. Once you’re approved, you’ll have instant access to the amount of money you’re borrowing, and can start spending the money how you want to. This means you don’t have to wait until the last minute to get your partner flowers, balloons, chocolates, or something more extravagant.
Purchase Gifts for Your Special Someone
You will have up to $1,500 to spend on your significant other with no questions asked. That’s a lot of dough for spending! You can get them a nice piece of jewelry and treat them to a fancy dinner, or you can even have a whole bunch of flowers and balloons delivered to them at work. Whatever gifts you want to get them, you’ll have the money to fund them without having to rack up costly interest charges on your credit card.
Put Some Extra Money in Your Bank Account
Once you have bought the perfect gift(s) for your special someone, you can put the remaining money in your bank account to cover a fancy night out on the town, a romantic weekend getaway, or just to hold onto in case of an emergency. Use the money how you want to, when you want to use it.
Get Approved for a Payday Loan Right Now
Don’t wait until the last minute to get the money you need to make this Valentine’s Day extra awesome for you and your special someone. Rather, get instantly approved for a cash money loan online, or visit a Cash 4 You store near you in Ontario to get your money. We’ll approve your loan fast regardless of your credit history, and we won’t make you jump through flaming hoops to get the cash you need. Simply enter the required information we need to approve your loan, and then get up to $1,500 the same day! Connect with your Top Rated National® money lender in Ontario today!
Your credit score — those three little numbers that can determine whether or not you can finance your dream car at a low interest rate, or whether you can even get approved for a credit card at your favorite department store. Moneylenders, banks, and even landlords use this magic little number to gain a better sense of your financial profile to determine whether or not you are likely to repay funds or make on-time payments.
When you have less than perfect credit, poor credit, or no credit at all, it’s essential to your financial well-being that you find opportunities to improve your credit score. Doing so can give you more financial freedom and stronger purchasing power so that you can live the lifestyle you desire. Even if you have good credit, strengthening your credit score, even by just a few points, can reduce your interest rates, monthly payments, and more. If you’re looking for ways to improve your credit score quickly this year, your friends at Cash 4 You have some handy tips to get you started down the path to success. Check it out!
Check Your Credit Score
The best way to know where you stand on the credit spectrum is to check your credit score. You should be sent an annual credit report from the top credit bureaus annually, so use this to your advantage. What’s more, you can use online credit check programs to track your credit score; however, do your due diligence in researching these credit companies before joining their program or using their tools. You can also talk to your bank to find out if they offer a credit tracker program free of cost for their members.
Pay Your Loans and Credit Cards On Time
This is the most important thing you can do to build your credit fast this year. Always pay your loan payments, credit cards, and other bills on time and in the full payment amount (or more) that was agreed-upon in the terms of your loan. Doing so shows that you are responsible with your finances. That way, whenever a lender makes a credit inquiry on your profile, they can see that you are a reliable borrower, which can lower your interest rates, reduce your monthly payment amount, and give you larger loan amounts. Paying your bills late or missing payments will negatively affect your credit immediately, and it can be hard to recover from these negative marks on your credit profile quickly.
Pay More than the Balance Due
Use the information provided on your credit card statement to determine how much you need to pay and when. At the top of your statement, you will see the payment due date, new balance, and minimum payment due. Your new balance reflects any additional charges, plus interest fees, that were accrued during the last bill cycle. The minimum amount due is simply a small monthly payment amount that keeps your credit card active. But if you only pay the minimum amount due each month, it could take you years to pay off your balance due, and you will be charged hefty interest fees that increase the total amount.
Rather than paying the minimum, try to pay the full amount statement balance on the due date to boost your credit score and to eliminate credit card debt fast. Another trick you can use to improve your credit is to pay off the recent credit card charge before your bill comes due. This may be more appropriate if you are building mileage points or you get rewards and points for using your credit card.
Don’t Over-Apply for Credit Cards
One of the worst things you can do for your credit score is to over-apply for credit cards and loans. Lenders make a hard inquiry on your credit each time you apply for a credit card or loan, which can reduce your credit score. Having too many inquiries at once can reflect poorly on your credit profile. Timing is of the utmost importance, so keep this in mind when you apply.
Keep Unused Credit Cards Open
Paying off your credit cards will absolutely boost your credit score. One way to give your score an extra boost is to keep unused credit cards open. Doing so shows that you can refrain from using borrowed money even when it’s readily available to you. This also shows that you are financially stable enough to not have to rely on credit cards to make purchases, which can increase your purchasing power down the road. Just make sure that your open, unused credit cards aren’t costing you in annual fees.
If you are concerned that you can’t refrain from using an open, paid-off credit card, you can always freeze your card, or cut it up to prevent use.
Start Boosting Your Credit Now
If you’re ready to transform your credit score for the better, there’s no better time to start than now, and these tips can get you started. What’s more, Cash 4 You offers personal loans that can not only give you the instant cash you need to pay off credit cards and fund large purchases, but which can also help you build your credit score one payment at a time.
All you need to do is apply for a loan online, or stop by one of our 100+ stores conveniently located in cities across Ontario. As long as you meet our relaxed credit requirements, we can approve you in minutes and give you up to $15,000 cash-in-hand the very same day. Then, simply pay your installment loan payment on-time according to the agreed-upon terms of your loan, and enjoy watching your credit score rise. It really is that easy! Stop in and see us today and enjoy all the benefits of boosting your credit score by making your loan payments on time.
Want to watch tips and tricks for boosting your credit score, saving money, and more? Subscribe to the Cash 4 You YouTube channel where you can watch entertaining and insightful videos that are created to help you make the most out of your personal loans and strengthen your financial well-being.
It’s incredibly easy to go overboard on holiday spending. From buying lots of fun gifts for everyone on your list to going out to nice holiday dinners and celebrating New Year’s Eve in style, the non-stop spending of the holiday season can run your bank account dry. When this happens, it’s very easy to get behind on your monthly bills and have less money to spend on living expenses in the new year. In fact, it can take months or longer to recover from excessive holiday spending — especially when you use high-interest credit cards to help fund your spending.
The new year is the perfect time to buckle down on your budget so that you can recover from going overboard during the holidays. Today, your friends at Cash 4 You have some helpful tips to help you recover from overspending, while also planning ahead so you don’t get into the same predicament next holiday. Check it out!
Assess Your Accounts
The best place to start in your overspending recovery is to assess the damage right away. Look at your bank account, credit cards, and store credit cards to determine how much you spent during the holidays. This list may include:
Gifts you bought
Dining out
Groceries for holiday meals
Work and social events
Holiday entertainment splurges
Vacations and holidays
The last thing you want to do is wait for your bank and credit card statements to arrive, which can throw you into a tailspin of post-holiday stress and anxiety. Check your statements now, making note of the amounts you spent and the amounts you owe. Knowing what you spent can help you prepare for the bills that will be coming due, which can help you budget for them accordingly.
Create a Repayment Strategy
Now that you know what you’ve spent, you can create a solid repayment strategy to eliminate holiday debt. Here are some things to consider for your repayment strategy:
Your debt-versus-income ratio
Your gross income and your payday schedule
How many open and active credit cards you have
The amount you have in your savings account
The interest rates on your credit cards
Your monthly expenses
Your lifestyle and spending habits
You goal for when you want to have holiday debts paid down or eliminated
Note any upcoming purchases you have scheduled
The important thing to keep in mind is that you want to create a strategy that can work for you. Be realistic and work within your budget, using all of your financial means to your advantage. If it is going to take a few months to recover, that is alright as long as it will help you in the end.
Change Your Spending Habits
Making purchases has never been easier now that you can shop on smartphones without ever having to leave your home. While it is super convenient, after one or two months of shopping on your phone and hitting “Purchase Your Order” without giving it much thought, your brain may still be ready to shop, shop, shop even after the holidays. One way to recover from overspending during the holidays is to change your spending habits right away. Resist the temptation to shop as you were in the days leading up to Christmas, avoid using credit cards to fund purchases, and try to save at least a quarter of the money you spend. Putting a stop to bad spending habits will at least reduce the rate at which your balances due grow.
Start Planning for the Holidays Now
There’s never a bad time to start planning for the holidays. In fact, the sooner, the better. Buy a gift each month that is within your budget to prevent overspending in the weeks before the holidays. Shop after-holiday bargains to get deals on the things you know you’ll need next season. Better yet, use your financial assessment of what you spent this last holiday season to help you start saving money specifically for holiday spending. That way, when the holidays come around you won’t have to dip into your budget, and you won’t have to overspend all at once.
Create a Post-Holiday Emergency Fund
Prevent overspending — and the after-effects of going overboard — by building a holiday emergency fund for yourself. Simply set a small amount of money each month that you can use as a backup after the holidays in case you overspend. Hey, at the very least, if you don’t need those emergency funds after the holidays, you’ll have a nice amount built up for your savings account that you can continue building on.
Get Instantly Approved for a Payday Loan
One way to get back on track is to apply for a payday loan of up to $1,500 to help you cover bills and living expenses after the holidays. While it may seem counterproductive to take out an instant cash loan, it’s actually a great way to get the money you need while also building your credit in the process. What’s more, people often turn to high-interest credit cards to help them out for the months following the holidays, which only racks up more fees from interest.
At Cash 4 You, we have designed our payday loans to be simple and sensible in terms of getting instantly approved and repaying your loan. Simply apply for your cash money loan online, or stop by one of our 106 stores located across Ontario. We offer relaxed credit requirements and work with people of all credit standings, which makes it easy to get the money you need when you need it most. Then, you can pay back your loan with your next paycheck. It really is that fast and easy!
Recover from Holiday Spending Fast
Getting your finances and spending habits back on track after the holidays is easier than you might think — and Cash 4 You is here to help! Follow these handy tips, and if you need some extra cash to get you through, you can get instantly approved for a payday loan in amounts of up to $1,500 today, and be on your way to recovering from holiday spending tomorrow. Connect with Cash 4 You, your Top Rated National® payday loans retailer in Ontario!
Want to enhance your financial resources, boost your credit, save more money, and learn about all of your loan options? Subscribe to Cash 4 You’s YouTube channel where you can watch handy tips, how to’s, and more to help you improve your financial well-being and strengthen your saving and spending power.
Along with the start of a brand new year comes the opportunity to set resolutions that can help you improve your current financial standing. For many people, making a list of New Year’s resolutions is the easy part; it’s actually sticking to them that can get a little tricky. That’s why your friends at Cash 4 You will share a few tips to get you started on making some of the best financial New Year’s resolutions that you can actually fulfill. Keep reading to learn more, and don’t forget to stop by one of our 100+ locations in Ontario, or apply online for installment loans in amounts of up to $15,000 that can help you make a positive impact on your financial well-being.
Pay Down Your Credit Cards
The first resolution on your list should be to pay down any credit card debt. Take a look at all of your credit card accounts and list them out starting with the cards that have the largest balance due. You will also want to look at the interest rates on each card and start paying the cards down that have higher interest rates. While a short-term goal is to pay down the debt, your ultimate goal should be to completely eliminate credit card debt. This can not only boost your credit score significantly, but it will also help give you more financial freedom by freeing up those monthly credit card payments that can be a very stressful expense. If you have a hard time refraining from using your credit cards, you might consider freezing them to avoid adding more money to the balance due.
Become a Master at Budgeting
One of the best ways to improve your financial standing is to create a budget you can actually stick to, and the new year is the perfect time to get started. Build a strong monthly budget that allows you to track all of your spending so you can find opportunities to save more, reduce spending costs, and plan your bills. Make your essential monthly expenses a priority, which may include:
Rent/Mortgage
Food Expenses
Car Payment
Utility Payment
Loan Payment
Clothing
Once you have these expenses laid out, you’ll know how much money you have left to spend on other expenses for entertainment, dining out, and more, as well as leftover money you can put into savings. The goal is to establish a financial guideline for yourself, but you can also be flexible with your budget. The goal is to spend smarter so you can make the most out of your money.
Improve Your Credit Score
Wherever you fall on the credit spectrum, there’s always room for improvement, and if you’re on the higher end, it’s essential to maintain your positive credit score. The new year is the perfect time to examine your credit standing and find areas where you can build a stronger credit profile for yourself, and doing so is easier than you think. Here are some handy hints that you can use to start improving your credit:
Always make on-time payments to your loans, credit cards, and other debts.
Reduce and eliminate your debt, especially debt from high-interest credit cards.
Avoid applying for too many credit cards at once, which involves hard inquiries on your credit that can gradually reduce your credit score.
Resist the temptation to overspend using your credit cards.
Consider taking out unsecured personal loans to cover large expenses and pay off credit cards, such as the installment loans we offer at Cash 4 You.
Start Saving Now
Make it a habit to start saving money now. Whether this is putting money each month into an emergency fund, depositing a portion of your paycheck to a retirement fund, or simply putting $50 from each check into a savings account, saving money can make your money go further and last longer.
Visit Cash 4 You for a Personal Loan
As you set your financial resolutions for 2020, it’s important to set realistic goals that can help you make a positive impact on your financial standing, while also using your financial resources to your benefit. If you need some extra cash to pay down high-interest credit cards, cover monthly bills and expenses so you can get ahead, or make a big purchase that can help improve your quality of life, we have a variety of installment loans in amounts of up to $15,000 that can help you out.
Visit Cash 4 You to apply online or drop by a store in Ontario nearest you. We will approve you instantly and give you your cash fast so you can get the money you need when you need it, and start building positive credit. From all of us at Cash 4 You, Happy New Year!
We rely on technology for everything these days. From communicating with friends and family to ordering take out, everything can literally be done at the touch of a button. While we are used to doing nearly everything online, it can still feel a little scary when you’re putting your personal information out there.
Here at Cash 4 You, a question we hear from our customers frequently is “Is it safe to apply for a loan online?”, so today, we will spend some time exploring this question further. Our goal is to help get you the money you need when you need it most, while also feeling confident in every step of the loan process – including the safety of your personal information.
Is It Safe to Apply Online for a Personal Loan?
Applying for a loan online is one of the easiest ways to get instant cash fast. At Cash 4 You, we offer personal loans online ranging in amounts of $1,000 up to $15,000. While this is one of the most convenient ways to get the money you need right away, we want you to feel confident in knowing that your personal information is always confidential, safe, and protected. Here are the safety measures we take to make your loan application experience one you can feel good about.
We Strictly Adhere to Canada’s Privacy Legislation
Since 2001, we have earned a strong and impeccable reputation as a reputable, trustworthy, and Top Rated National® money lender. Along with our friendly customer service, relaxed credit requirements, and unwavering commitment to helping hardworking Canadians just like you get the money they need, we pride ourselves in our dedication to protecting your privacy and personal information. We invite you to review our privacy policy statement, which we hope will give you confidence and peace of mind when applying for your loan online with Cash 4 You.
We Protect Your Information with Powerful Encryption Technology
Another step we take in protecting your information is through our commitment to trust and security. We proudly safeguard your personal data with powerful 256-bit SSL safety encryption technology, one of the top-rated methods for protecting information online.
Your Information Is Confidential
Another concern we commonly hear is in regard to sharing your personal information. At Cash 4 You, we can assure you that your personal information is 100% confidential. We will never share or sell your information to other parties. We only ask for your personal information to process your loan, and we only use your information for the purpose of approving the loan, and establishing sensible repayment terms for you with your consent.
Connect with Cash 4 You
If you are ready to get instant cash fast, we are eager to help you achieve your financial goals. At Cash 4 You, you can apply online for a loan of up to $15,000 quickly and securely. If you feel more comfortable starting your application in person, we invite you to drop by any of our 100-plus locations in Ontario to get the money you need. We want to make getting your money as stress-free and convenient as possible, while ensuring you feel confident that your personal information is safe and protected. Connect with us today to explore your loan options. From payday loans to installment loans, Cash 4 You has you covered.
If you enjoy reading our blog and want to watch similar content, head over to YouTube and subscribe to our channel! Here, we share videos that offer handy tips to help you make the most out of your loan, news about our money solutions, and so much more!
When you need money fast, it can be hard to know where to start, and which lender is the best fit for you. With so many different options available these days, you want to make sure you find the best one that falls in line with your financial standing and goals moving forward. As you ponder your options, you may be asking yourself, “Should I head to the bank to apply for a loan, or should I apply for a cash loan online?” While you weigh your options, take these things into consideration before making our choice:
How much money do I want to borrow?
What type of loan repayment terms makes the most sense for me?
What is my credit standing?
How quickly do I need my money?
Once you have determined these factors, it may make more sense for you to apply for a cash loan online. Please feel free to reach out to the Cash 4 You team with any questions you have about our money solutions. In the meantime, let’s explore the benefits of applying for a personal loan online in today’s blog post.
What are the Benefits of Applying for a Cash Loan Online?
So you need money fast but you aren’t sure where to start. We can help. Applying for a personal loan online, such as an installment loan, is a great option for many reasons. Check it out.
It’s Convenient
The biggest advantage of applying for a loan online is convenience. Long gone are the days of having to get all dressed up to drive to the bank to apply for a loan. Cash 4 You offers both online and in-store applications for maximum convenience. You can apply from your home or office in comfort from your desktop, laptop, tablet, or mobile device, and get approved within minutes. Then, you can drop by and see us to pick up your cash-in-hand the same day.
It’s Fast and Easy
We make getting the money you need fast and simple. When you apply for a loan online, the entire application process is easy, stress-free, and only takes a few minutes. You can expedite the process by gathering the required approval requirements beforehand. These items include:
Proof that you’re an Ontario resident.
A government-issued ID showing that you are at least 18 years of age.
Proof of steady income.
Proof of an open, active bank account.
You’ll answer a series of questions and we’ll process and approve your loan right away.
It’s Safe and Secure
It can be a little unnerving to do anything online these days, especially when you have to provide personal information. But at Cash 4 You, we take trust, security, and safety extremely seriously. We want you to feel confident in knowing that your personal information is always confidential and secure, which is why we rely on 256-bit SSL safety encryption technology. On top of that, we’re a reputable money lender that strictly adheres to Canada’s Privacy legislation. Please feel free to click the link to review our privacy policy commitment to our customers for details regarding the safety measures we take.
It’s an Ideal Money Solution for Most Credit Situations
Cash loans online are an ideal option for people who fall just about anywhere on the credit spectrum. From stellar credit to mediocre and even poor credit, applying for an installment loan online is a great option for people from all walks of life. The great thing about applying for a loan online with Cash 4 You is that we look at so much more than just your credit history when we’re reviewing your application. Better yet, once you start repaying your loan in regular monthly increments in the full amount due, you can use your loan to help rebuild your credit standing. It’s a win-win!
We’ll Approve You Instantly
Unlike other loans, applying for a cash loan online means you can get approved instantly without the stress of going through a bank, or having to rely on high-interest credit cards to cover your expenses. Whether you need money to cover a big purchase, moving expenses, rent, or anything else, you can get instantly approved for a loan of up to $15,000.
Apply for a Loan Now
If you are ready to get the cash you need in-hand, and you don’t want to jump through hoops to get it, our money lenders are ready to assist you. Simply visit Cash 4 You to apply for your loan online. All it takes is a few minutes and you can apply from the comfort of your home or office, or even from your tablet or smartphone. We know there are a million other things you’d rather be doing, which is why we make the application process as fast and easy. We can approve you instantly for cash loans as low as $1,000 and up to $15,000. Of course, you can always stop by one of our 100-plus locations in Ontario to start the loan process, but it’s just so easy to do online. Once you’re approved, you can get your cash the same day. It really is that easy. Connect with Ontario’s Top Rated Local® lender to explore your options, and enjoy the convenience, security, and peace of mind that only Cash 4 You can deliver.
If you liked reading this article, you’ll love watching our videos. Subscribe to the Cash 4 You YouTube channel to watch handy tips, how to’s, and learn all you need to know about our money solutions and more.
The air is crisp and cool and the leaves are changing, which means summer has finally come to an end. But it doesn’t mean the fun has to stop just because of the cooler temperatures. In fact, for many, the fun is just beginning! Whether you are planning a fall getaway, or you want to hit all the local fall festivities that Ontario is known for, we have some ideas to share with you to help you plan your fun. One thing to consider as you plan your fall adventures is how you will pay for them. If you don’t have a big lump sum of money saved up, it might be hard to fund all the things you want to do to celebrate this amazing season — and you don’t want to miss out, right? We have just the solution for you.
Before we start exploring all the fun ways to spend your weekends this fall, let’s look at how an installment loan can help you cover all of your travel expenses and so much more.
Get the Money You Need When You Need It Most
So, you may be wondering, “What is an installment loan, and is it the right loan for me?” Let us explain. Along with payday loans, Cash 4 You offers installment loans, which are unsecured personal loans that require zero collateral to get the money you need. Typically, installment loans are ideal for covering larger purchases, such as vacations, home improvements, and weddings. This type of loan is also perfect for paying off high-interest credit cards or purchasing a new or used vehicle.
The Ins and Outs of Installment Loans
With this type of loan, you can borrow any amount ranging from $1,000 to $15,000. Once you determine how much money you wish to borrow, getting approved for the money you need is extremely easy. You can visit Cash 4 You online to apply, or you can stop by a store near you. We have more than 100 locations that are conveniently located all across Ontario. Our experienced and friendly money lenders are happy to assist you with your loan application when you drop in to see us. If you choose to apply online, the process is super quick and easy.
Once you submit your loan application with all of the requirements we need to process your loan, we can approve you in minutes, and you can pick up your cash on the same day you’re approved.
What You Need to Apply for a Cash 4 You Loan
One of the reasons why we’re Ontario’s favorite money lender is because applying for a loan — and getting approved for a loan — is incredibly easy and stress-free. While some lending institutions make you jump through a million flaming hoops to apply and get approved for a loan, we simplify things to make the entire process simple, straightforward, and hassle-free.
Here’s what you need to apply for your loan:
Be an Ontario resident
Have a valid, government-issued photo ID
Be at least 18-years-of-age
Have an open, active bank account
That’s it! Better yet, we look at more than just your credit standing, which means we are happy to work with people of all credit situations. What’s more, because of our relaxed credit requirements, you don’t even need to have someone cosign on your loan, even if you have less-than-awesome credit. There are no application fees, either!
Repaying Your Loan
It’s called an “installment loan” because you repay the loan amount in affordable monthly increments over time. Depending on your loan amount, you can take up to 60 months to repay your loan. Your interest rates are set during your approval so, as long as you’re making your regularly scheduled payments on time and in the full amount, your rates will never go up. Not only that, but we also believe in transparency so you will never pay hidden fees or accrue unexpected charges. You can even pay off your loan early without being charged prepayment penalties.
Now that you know just how easy it is to take out an installment loan, you can take your fall festivities to the next level.
Fund these Five Fall Adventures with Your Loan
So, you have the money you need to go anywhere you want this fall. Sure, you can travel outside of Ontario, but truth be told, Ontario hosts some of the best fall activities, festivals, and is home to some of the most stunning landscapes that are absolutely breathtaking during fall. Here are some trips you should absolutely include in your plans for a fall getaway.
Enjoy Mother Nature
Leaf-peeping is one of our favorite fall pastimes here in Ontario, and with all the places you can go to witness the splendor of changing leaves, it can be hard to choose just one (again, just one more reason why an installment loan will come in handy)! One way to decide where to go to see the leaves change is to use this handy fall leaf colour tool brought to you by Ontario Parks. Late September into early October will be your best bet for leaf-peeping. From Algonquin Park to Muskoka, now is the best time to take a road trip to one of these stunning destinations to hit the trails, go on a chilly camping trip, get some fresh air, and completely immerse yourself in an autumnal forest for a week or a weekend.
Trek Through Ontario’s History
Many of the parks and unique hidden locations in Ontario hold some of the province’s most important historical treasures. As you’re making plans to visit such places as 1000 Islands of Ontario, Kakabeka Falls, Manitoulin Island, and Niagara Falls, be sure to check out local museums, public lands centers, and cultural centers to learn more about Ontario’s vast and dynamic history. In Manitoulin, for instance, you can enjoy authentic First Nations experiences such as trying your hand at traditional crafts, cooking, and drumming, take art tours, and go on insightful nature hikes to see all the beauty of this spectacular landscape during fall.
Try Something Adventurous
If you want to try something adventurous that may be slightly out of the ordinary from your usual getaways, head to places like Long Point Provincial Park or the Bruce Peninsula. Both places have rejuvenating and restorative characteristics, which makes them the perfect post-summer destination. Long Point Provincial Park is home to a beautiful beach with a massive sandpit and a unique and diverse landscape. Because of these landscape features, it is recognized as one of UNESCO’s World Biosphere Reserves. From stunning natural preserves to the UNESCO World Biospheres in the Bruce Peninsula to the orchid fields at Tobermory, you will have more than enough to captivate your eyes and your camera lens for the perfect fall photograph opportunities.
Visit a Cranberry Festival
Bala is one of the most incredible places to visit during fall. Located in Muskoka Lakes, Bala is the home to pristine falls that are hugged by a vast canopy of forests. Not only that, but Bala also hosts the annual Bala Cranberry Festival where you and your family can enjoy delicious food and drinks, live entertainment, arts and crafts, tours of the cranberry marshes, and shopping in the bazaar. This event runs from late September through late October, so you can spend an entire week basking in cranberry everything, or make it a quick and relaxing weekend getaway.
Release Your Inner Wild Side
If you’d rather unleash your wild side, there are a ton of super fun fall festivals in Ontario that you simply must attend. It is October, and for beer lovers and hops enthusiasts, Oktoberfest is a must for the travel docket. The best part is, you don’t have to travel very far to enjoy an authentic Oktoberfest. Perhaps one of Ontario’s most famous fall festivals is the Kitchener-Waterloo Oktoberfest. This is a must-experience Bavarian festival complete with floats, performers, traditional music and dance, tasty treats, and German beer that flows like water. There are plenty of places to stay nearby so you can make an entire week or a weekend out of it.
Fuel Your Fall Fun!
Regardless of where you choose to go for your fall getaway, Cash 4 You is happy to help get you there. When you’re ready to book your autumn adventure and you need the cash to cover it, stop by a Cash 4 You store near you in Ontario, or get instantly approved for an installment loan online right now. Our goal is to fuel your bank account so you can live life to its fullest. Connect with our money lenders today to explore your options. Discover for yourself why we are recognized as a Top Rated Local® money lender, who has been helping hardworking Canadians just like you get the money they need since 2001.
If you enjoyed reading this content, you’ll love watching our video series! Be sure to subscribe to the Cash 4 You YouTube channel to watch helpful videos that offer money-saving tips, learn about all of our money solutions, and be entertained.
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