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Handy Tips to Help You Apply for a Personal Loan

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Handy Tips to Help You Apply for a Personal Loan

One of the best ways to get the money you need when you need it most is to apply for a personal loan. But knowing how or even where to get started can feel overwhelming and stressful. The friendly money lenders at Cash 4 You are here to tell you that it’s actually much easier to apply for a loan than you think — especially when you borrow the money you need from us, Ontario’s favorite money solutions retailer. Let’s explore the five simple steps you can take to apply for a loan that works for you.

How to Apply for a Personal Loan

Determine the Amount You Want to Borrow

First things first. You will want to determine how much money you want to borrow, which can help you determine the type of loan you want to take out. Keep in mind that overborrowing beyond your means can send you into a financial tailspin, so be realistic as you’re coming up with an amount you want to borrow. A good way to figure out how much money you want to borrow is to make a list of the ways you plan to use your money. Consider these key factors?

  • Are you taking out a loan to cover a big purchase, such as a car, home improvements, a vacation, or a wedding?
  • Do you simply need a small amount to cover everyday expenses for the next month?
  • Will you use the money to pay down high-interest credit cards?
  • Realistically, how much can you afford in terms of a monthly payment to repay your loan?

The important thing is to only borrow the money you need that is within your budget to pay back, according to the agreed-upon repayment terms.

Explore Your Loan Options

Determining how much money you want to borrow can guide you towards the best type of loan for your needs. Once you have an approximate amount in mind, start exploring your loan options. Research the different types of loans that are available to help you find one that is ideal for you.   

For instance, Cash 4 You offers a variety of loan options to help people of all walks of life get the money they need. If you only need a smaller amount to cover a small purchase, or to help you cover expenses until the next paycheck comes in, a cash advance loan in amounts of up to $1,500 may be the best solution for you. 

On the other hand, if you need a larger sum of money to cover the expenses for a big life event such as a move, a wedding, a dream vacation, or even to purchase a vehicle, an installment loan in amounts ranging between $1,000 and $15,000 makes more sense.

Find a Reputable Money Lender

Now that you have an idea of how much money you want to borrow, and the type of loan you might be interested in, it’s time to find a money lender. The thing is, you don’t want to choose just any ol’ money lender in Ontario. And you also don’t want to jump through a million hoops to get the money you need. Do your research. Find a lending institution that is reputable, has positive reviews, has funded people in a similar financial situation to yours, and one that offers different loan options. Better yet, you want to work with a lender that is friendly, knowledgeable, and who wants to help you find the best loan that makes sense for you.

Consider this: banks are a great option when you’re looking to borrow money, but keep in mind that these financial institutions, and others like them, typically have very strict requirements when it comes to loans. Additionally, credit cards may also seem like a great way to get instant cash, but most credit cards come with annual fees, hidden fees, and — more importantly — high-interest rates. What’s more, some loans actually increase over time so that you end up paying way more than what you actually borrowed.

Cash 4 You is a Top Rated National® money lender in Ontario that has funded more than $1 billion in loans for hard-working Canadians like yourself. We pride ourselves on providing friendly service and will always help you find a loan that works for you, not pressure you into something that could get you into a financial pickle. Not only that, we offer relaxed application requirements and work with just about every credit situation, even poor credit! As part of our commitment to transparency, you can rest assured that we will never charge you any hidden or unexpected fees, and you definitely won’t pay any application or annual fees.

Gather Your Credentials

When you find a money lender, you’ll want to have all your credentials ready to go for your loan application in order to expedite your approval. While some financial institutions fall just short of asking you to promise them your first-born child to get a small loan, we take a different approach. We want to make the entire loan process easy and stress-free for you. When you apply for a payday loan, we’ll ask you for:

  • A government-issued ID
  • A minimum age requirement of 18 years
  • Proof of employment
  • A minimum of $250 per net pay
  • Proof of an active bank account

When you apply for a larger personal loan, such as an installment loan, you will need to:

  • Be an Ontario resident
  • Have a government-issued ID
  • Be at least 18 years of age
  • Have a steady source of income
  • Have an open and active bank account

That’s it! You see? We said we want to make it simple for you and we mean it. 

Apply Online or In-Store

When you are ready to apply for a loan with Cash 4 You, you have a few options. You can hop online and apply for your chosen loan, or you can stop by any of our 100-plus conveniently located stores spread across Ontario to apply. We’ll approve you for your loan in a matter of minutes and you can get your money the very same day!

Get a Personal Loan That Makes Sense

It’s so easy to get a loan with Cash 4 You! When you are ready to get the instant cash you need right when you need it most, our money lenders are ready to help you achieve your financial goals. Visit Cash 4 You online or stop by one of our stores to get approved for a hassle-free personal loan today! Discover for yourself why we’re Ontario’s favorite money lender!

The Five Places You Should Visit for Summer Vacation

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Summer is in full swing here in Ontario, and that means it’s time to take some time off work or from your studies and go on vacation. We’re blessed to live in a country that has so many natural and cultural wonders, ensures that we never run of things to do at any time of the year. 

If you can’t remember the last time you took a vacation, that’s probably a pretty good sign that it’s time for you to take one. Don’t quite have the funds? No problem. Cash 4 You in Ontario can offer you an installment loan for up to $15,000 so you can take the vacation that you deserve. But with your fund money in hand, where should you go? We put together this quick list of five of some of the most wonderful places you could visit for your summer vacation.

Take a Heli-Hiking Tour of the Canadian Rockies

For those with adventurous spirits, riding in a helicopter sounds like a great afternoon. But when paired with the chance to do some hiking in southern British Columbia, this is a dream vacation. You’ll find helicopter hiking trips offered by a variety of companies typically from late June to early September. These companies are happy to take you into some of the most remote, and extraordinarily beautiful places in Canada, namely Banff National Park. 

Once you’re done hiking in the mountains and hills, you can stay at one of the many wilderness lodges that surround the park. These lodges offer high-quality dining options set in cozy wooden cabins for a truly outdoorsy aesthetic.

See the City of Saskatoon Come to Life

If you’re in search for some of that brilliant shimmering summertime sun, but it’s time to visit Saskatoon. This growing city gets more sunlight per year than any other city in Canada, making it a natural hotspot for jazz and theater celebrations along with music and arts festivals. The city seamlessly bleat blends the natural and cultural worlds, as it is surrounded by fields of wheat in the South Saskatchewan River flows to the middle of town.

While you’re there, do what the locals do and rent a bike or travel via bus. Plan your stay in the city’s historic district and one of the many iconic hotels. Indeed, some of the most famous hotels like the Delta Bessborough lend the city its unique architectural look helping you garner the name the “Paris of the prairies.” Saskatoon takes its name from the Cree word for an edible red Berry. It only makes sense then that the city would be home to some of the most high-end dining options in the region. Braise and browse your way through this bubbling city.

Find out More about the Golden History of Yellowknife

The capital of the Northwest Territories, Yellowknife is a bastion of civilization surrounded by the seemingly endless landscape of rock, tundra, and water surrounding it. Along the shores of Yellowknife, you’ll find Great Slave Lake. For those looking for a rustic getaway, this rugged region is perfect for you.

Throughout the summer season, you’ll find some of the most remarkable outdoor music festivals in the country. Folk on the Rocks takes place near Long Lake in mid-July. But once the bands have finished playing, the show doesn’t end there. Keep your eye on the skies and you’ll be treated to some of the most amazing views of the northern lights. Yellowknife itself is easy to get around by foot, but if you’re looking to travel to some of the more remote regions nearby, you should consider hiring a floatplane.

Treat Yourself to a Good Time in Badlands

Despite the name and the presence of “hoodoos,” there’s no need to get the heebie-jeebies from the Canadian Badlands. This 35,000-square-mile region is remarkable for its towering and sculpted buff colored rocks, surrounded by endless fields. The region is known for more than a just it’s rock formations, however. Within the Badlands, you’ll find the Dinosaur Provincial Park, a UNESCO world heritage site.

You can connect with your wild side in the Badlands by camping out in the park. But if you’re looking for something that has the comforts of home but still offers you a sense of adventure, consider many of the ranch lodges that dot the area. You’ll even find lodges along the nearby lake.

Watch the Seasons Change in Agawa Canyon

When you’re trying to fit in one last vacation at the end of the summer, make your last stop Agawa Canyon. By the end of September, the hardwood forests that surround the canyon explode into brilliant colors of reds, golds, and oranges. Thanks to the landscapes remote nature, you’ll often be treated to a private showing of these incredible vistas.

One of the most popular ways to experience the canyon is to take the train tour. Leaving from the city of Sault Ste. Marie, this train travels more than 100 miles into the Ontario wilderness. With its large windows, narrated tour, and a wide variety of dining options, this train ride is one of the most luxurious in all Canada. For those looking for an adventurous way to connect with this landscape, consider taking a weekend-long guided canoe trip. While you stay in Agawa Canyon, spend time in one of the regions many fishing and wilderness lodges. With quick access to lakes, rivers, and more, these lodges are a great way to experience all that this natural paradise has to offer.

Fund Your Vacation With An Installment Loan From Cash 4 You

Ready to explore more? This summer is the time to do it! If you’re short on vacation funds, a quick stop at the Cash 4 You store nearest you can get you one of our instant installment loans. We’re ready to offer you up to $15,000 just minutes after you apply for it. We use relaxed credit score requirements and a simple application process to ensure that anyone can get the money they need to take the vacation of their dreams. With no hidden fees and a generous repayment schedule, you can pay your loan back on your terms conveniently. Search for “installment loans near me” today and find your nearest Cash 4 You.

Enjoy Every Minute Of Your Vacation With These Easy Tips

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We all go on vacations as a way to get away from the daily stresses of our lives. But if you’re not careful about how you plan your trip you might find that it’s more stressful than if you had never gone at all. The point of your next vacation is to relax and unwind, and you can do that when you follow these handy hints from Cash 4 You, Ontario’s leading provider of personal loans.

Figure Out Your Travel Budget

Perhaps the first thing you should do before you get too far in your vacation planning is to figure out your budget. You can do this in one of two ways. First, you can let your budget dictate where you travel. So if you have been saving time off, or money, you can use these resources as the deciding factors as to where you go and for how long. This can translate into short or long trips. The other way is to do the reverse. Look at a destination, price out lodging, activities, and food, and build your budget around that.

In either case, it’s always a good idea to budget on the high-end for all these things. Prices can change unexpectedly so it’s always a good idea to have extra cash on hand. Of course, if you need that little extra to get your budget in a good place, or you just need to truly get away, an installment loan for up to $15,000 from Cash 4 You is a great way to get to your destination faster.

Take the Road Less Traveled

There are some destinations that are famous and for good reason. Be it the incredible architecture, famous performances, or proximity to natural resources, these popular destinations are often expensive and crowded. If you’re looking for a truly stress-free vacation, it’s best to avoid these areas and go somewhere less popular. You’ll save money on tickets, hotels, and more. Plus, you get to explore an area that few other peoples do, which means you’ll have more interesting stories to tell the next time you get together with friends.

Let Someone Plan Your Vacation For You

Are you halfway to this article and your head is already spinning? That might be a good sign that it’s time to enlist some help. While many people now plan their entire trip through simple Google searches, using a traditional travel agent is a great option for those who want to take the stress completely out of planning their vacation. While you might pay to use their services, you often save money in the long run because they know how to get package deals on flights, lodging, and even activities. Plus, a travel agent might have insights into must-see places and must do activities that you wouldn’t find otherwise.

Make Sure You’ve Got the Right Kind of Currency

While most of us are content to use debit cards and credit cards as we travel, Having cash on hand is always important. This is especially true if you’re traveling out of the country. Even a quick jaunt down to the United States is made easier by having some American money on hand. Make sure you take advantage of currencies exchange services before you leave and don’t use them at the airport. This way you will get the best rates and save money.

Take Your Ideal Vacation Today

Travel budget looking a little thin? Don’t let that slow you down! Cash 4 You can offer you a personal loan of up to $15,000 in just minutes. Just stop by one of our more than 100+ in Ontario, fill out a simple application, and walk out with cash-in-hand. You’ll have everything you need for your trip, so you can enjoy every minute of it!

Smart Ways to Fund a Wedding With an Installment Loan | Cash 4 You

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All across Ontario, happy couples have begun planning their big day. While wedding planning is exciting, it can also be quite stressful when you start thinking of how much money you’ll need to cover all the expenses. Did you know the average cost of a wedding is about $30,000? But there’s no need to worry when you have the expert money lenders at Cash 4 You on your side.

Simply hop online and fill out the fast and easy application for an installment loan in amounts of up to $15,000, which could cover all or a large portion of your wedding. We’ll approve you in minutes so you can get your money right away and start spending it on your wedding. It’s that easy! Once you get your instant cash, here are a few smart ways to use your personal loan to cover your wedding expenses.

Book the Reception Venue

One of the first expenses you will want to knock out is reserving the reception location. Summer is the busiest time for weddings and all the trendiest wedding reception venues get booked quickly. What’s more, reserving a venue can account for one of the largest wedding expenses, especially when catering and drinks are included, so jumping on this now is essential. For about 100-150 guests, the Better Business Bureau® Ontario (BBB) reports that you can plan to spend upwards of $11,000 alone on the venue for a wedding reception. You’ll also want to factor in the entertainment, which can cost anywhere between a few hundred and a few thousand dollars. Then, add in the cost of catering, which averages at about $60 per person. The expenses rack up quickly!

Rather than using a credit card to cover the reception and auxiliary expenses, your installment loan to cover the reservation fee and additional expenses. Because your loan already has a fixed rate agreed upon during your approval, you won’t accrue any additional fees from interest as you would from a credit card.

Reserve the Ceremony Location

The next costly wedding expense is the location for the ceremony. Depending on whether or not you will have a traditional church wedding, or you want something more unique to your interests and lifestyle, you will need to pick the location early on in the planning and reserve the space right away. Unfortunately, if you don’t have the money to cover the reservation fee, you most likely won’t be able to book the location.

On the other hand, if you have the funds readily available to cover the reservation fee, you have a better chance of booking your desired ceremony location. Taking out an installment loan will give you the money you need to reserve your ceremony venue and, in most cases, have plenty of cash left over for other expenses.    

Book the Videographer and Photographer

Everyone wants to have their entire wedding ceremony and reception documented so they can relive their special day again and again. That’s why booking the videographer and photographer should be at the top of your list of wedding expenses. Generally, super talented wedding photographers and/or videographers charge upwards of $2,000, which can be a lot of dough to spend at once when you don’t have the means to cover it. Sure, you can always add this expense to your credit card, but keep in mind how long it will take to pay that expense off — and how much additional money you’ll pay in interest.

With an installment loan, you can feel good about booking the best, most talented photographer and videographer using a portion of your personal loan.

Wedding Dress

Probably one of the most important expenses is the wedding dress. There are so many options when it comes to the style of your dream wedding dress, and there are many different price ranges you can work within when choosing the perfect dress. The thing is, you don’t want your options to be severely limited based on what you can afford to purchase.

Brides, this is your special day and you should be able to wear whatever dress your heart desires. When you have $15,000 to help cover wedding expenses, you can afford the most beautiful dress that features all the most intricate and stunning beadwork and embroidery to truly make you the center of attention.

Wedding Flowers

Another costly wedding expense is the flower arrangements that make a wedding especially memorable. Brides, you should have the most gorgeous flower bouquet to carry as you walk down the wedding. What’s more, you’ll have to consider the other flower arrangements that will be used in the ceremony, including those for the bridesmaids, the flower girl, and the flower broaches for the groom, groomsmen, mothers, and grandmothers. Additionally, no wedding reception is complete without stunning table arrangements featuring beautiful and aromatic flower arrangements.

Wedding flowers can cost upwards of $1,500, so having the funds available to cover this expense is important. With an installment loan, you can afford the most decadent flower arrangements to make your special day even more magical, and you’ll still have money left to cover other expenses.

Get Fast Cash Now

If you’re ready to take advantage of a hassle-free personal loan to cover your wedding expenses, don’t wait any longer to apply. Cash 4 You makes getting the cash you need to fund your wedding fast and easy. All you need to get approved is to:

  • Be an Ontario resident with a government-issued ID
  • Be at least 18 years of age
  • Have proof of a steady income
  • Have an open and active bank account

What’s more, we offer relaxed credit requirements and realistic repayment terms that work with your budget. Plus, there is no need to worry about being hit with hidden charges and fees that come along with other loans. We’ll approve you for your desired loan amount in minutes and you can come into a Cash 4 You store nearest you to complete the application and pick up your cash the same day, in most cases. Get started today and discover for yourself why we’re Ontario’s Top Rated National® money lender. Apply for a Cash 4 You installment loan and cover all of your wedding expenses!

Rather than spending time searching “Cash 4 You near me,” simply visit Cash 4 You and use our easy search tool to find a nearby store. We have more than 100 convenient locations throughout Ontario, so stop in today!  

Smart Uses For Your Personal Loan

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Thinking about taking out a personal loan? Know you could use the extra cash, but you’re not sure how to make the most of every dollar? Don’t stress about it, Cash 4 You can help you put your installment loan to good use!

Personal Loans Just For You

So what are personal loans good for? Frame your spending decisions around this good line of thought: If you’re making a purchase that you plan on repaying in less than five years, using a personal loan to do it is a smart idea! In fact, it’s the reason why Cash 4 You offers a 60 month repayment period on all of our installment loans.

Or, think of it this way. You can use your personal loan to help your personal development, be it financially, educationally, or physically. Here are some of the smart uses our customers have found for their personal loans.

Improve Your Credit Score

In a previous blog post, we outlined six easy steps you can take to repair your credit score using a personal loan. In case you missed it, here’s a quick recap. Use the money to pay down your high-interest debts. Shop for the personal loans with the best rates and terms and that eschew early payment penalties. Make sure you’re not paying any hidden fees and only borrow enough to pay down your debts. Finally, make the payments on your loan on time. You’ll see your credit score grow with every step!

Make Home Improvements

Need to update the bathroom? Kitchen looking a little worse for wear? Just want to freshen up everything with a new coat of paint? Personal loans are one of the best ways to bankroll your home improvement projects. That’s because personal loans don’t affect your home’s equity. Plus, you can get a personal loan fast, which is exactly what you need when the plumbing in your basement starts to leak.

The best part about using a personal loan for home improvements is that these projects often dramatically affect the resale value of your home. Bathroom remodeling projects in particular often net back thousands of dollars during your sales negotiations.

Handle Emergency Expenses

Life can get complicated sometimes. When you have an emergency expense come up, you might feel stressed out, trying to come up with ways to make ends meet while still covering these unexpected costs. Whether it’s a sudden death, a malfunctioning car, or a remarkable business expense, emergency costs can decimate our morale and our bank accounts. Fortunately, personal loans are practically tailor-made for helping you cover these costs.

Finance a New Car

Getting a new car, even if it’s just “new to you” is always an exciting prospect. However, your excitement is often tempered by the financial reality of this experience. New cars might be more expensive than you can afford on your own, but a personal loan can offer you the cash you need to make a down payment. In other cases, a personal loan might also offer better terms and rates than whatever the car dealership is offering you. It’s never a bad idea to check with us about the terms and rates at Cash 4 You before you agree to dealer financing. A short-term loan can help you get behind the wheel of the car that best suits your needs.

Major Life Changes

The beauty of life is that it’s always changing. You find your “forever person” and decide to get married. You can use your personal loan to pay for your wedding or maybe use it to fund your honeymoon getaway. Let’s say that you have the chance to go on your dream vacation but just need a bit more to make it a reality. A personal loan can offer you the financial freedom to go on that special vacation and make memories that will last a lifetime.

Personal loans are also great for other life-changing moments, like starting your own business. Use the cash from your loan to lease an office or workspace. Pay for specialized equipment or simply use it as your working capital will your business starts to develop. Personal loans are great choices for new business owners because the application is easier and faster than many other types of loans.

Find a Money Lender Near You Today

Ready to get your own personal loan? Cash 4 You is here to help! With more than 100 locations across all of Ontario, it’s never been easier to stop by and see your nearest money lender. Our applications take just minutes, and you can walk out with cash-in-hand the very same day. We offer personal loans of up to $15,000. With low rates, no hidden fees, and no early payment penalties, we offer some of the best loan options in the business. No wonder we’re Canada’s Top Rated National® Installment loans lender! Visit the nearest Cash 4 You location today!

Fund These 4 Essential Home Improvements With An Installment Loan

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It happened again. You started your washing machine before heading to work and came home during your lunch break to find a giant puddle covering the floors in your laundry room and nearby kitchen. Only this time, the leak from your 20-year-old washer has caused pretty substantial water damage to your flooring. The beautiful laminate flooring you installed a few years ago is now a soggy mess and the laminate floorboards are now warped beyond repair. This was the leak you’ve been dreading.

With spring right around the corner, now is the perfect time to start planning all those springtime home improvement projects you’ve been putting off. Whether you have a sudden need for a home improvement project, or you have been daydreaming about the day you can finally update those hideous 1980s melamine cabinets with oak trim in your kitchen, an installment loan of up to $15,000 with Cash 4 You can fund your upgrade. When you’re searching for “money lenders near me,” choose the Top Rated National® loan experts that can get you the money you need instantly with a personal loan that simply makes sense.

Ways to Use Your Installment Loan for Spring Home Maintenance

Check out these helpful hints for springtime home improvement musts.

Replace Outdated Home Appliances

After you run the dishwasher, do you go to put your dishes away only to find that chunks of food still cling to the plates? Does your washing machine spring a leak each time you wash a load of laundry? Does your dryer make a loud banging sound signaling that it may have fallen off its track?

If you answered yes to any of these questions, it might be time to bite the bullet and update your outdated, inefficient appliances — and an installment loan can help! Appliances have come a long way in the last decade. They are being built to be more efficient, more eco-friendly, more cost-effective, and designed to last longer than ever before. Upgrading your appliances can not only improve efficiency, but you’ll likely save money on your utility bill each month,

Install New Windows

We’re lucky enough to have all four seasons here in Ontario, which means you’ll need protective windows that can keep the cold air on those chilly days out, and keep the cool temperatures in on those warmer days. When you have leaky windows, warm summer air can sneak in while letting the cooler conditioned air seep out. Conversely, drafty windows can make a cold day outside just as chilly inside your home. Either way, not only is your comfort reduced, but you’re spending more money to keep your home at a comfortable temperature.

Use your installment loan to replace drafty windows with an efficient window system that protects the interior of your home from all the elements.

Install New Plumbing Fixtures

Whether your plumbing fixtures look ugly and outdated, or they are prone to leaks, upgrading your plumbing is always a great way to maintain the aesthetic and function of your home. Additionally, you can save money on your monthly utility bill by installing more efficient, eco-friendly plumbing features. This is especially important if you plan to sell your home. Installing new pipes and plumbing fixtures that are energy-efficient adds value to your home and are highly enticing for potential buyers. What’s more, plumbing upgrades can help prevent future problems from occurring.

A personal loan of up to $15,000 can fund several plumbing upgrades to help you live comfortably and enjoy a potential return on your investment!

Update Your Flooring and Countertops

There’s nothing quite like the feeling of walking over freshly-laid carpet or new laminate flooring. Additionally, installing new flooring can add a touch of newness and elegance to your home that reflects your unique style. In addition to new flooring, replacing or resurfacing your countertops is a great way to get rid of outdated styles and colors that hinder your home’s aesthetic.

One of the best places to start is in the kitchen. The kitchen is essentially the heart of the home where we gather to cook, eat, hang out, and laugh together. Investing in new kitchen flooring and countertop upgrades will give you a beautiful place to congregate with your family and friends, while also increasing the value of your home, should you decide to sell down the road.

Fund this smart home improvement with an installment loan and enjoy relaxed repayment terms that fit your budget and lifestyle.

Get Approved for an Installment Loan

When you want to update your home with new appliances, new floors, new cabinets, or make those necessary springtime repairs, we have the perfect loan option to help you fund all your home improvements. All you need to do is visit Cash 4 You and apply for an installment loan in an amount up to $15,000. There are no hoops to jump through, and with our relaxed credit requirements, we can approve your loan instantly. Once you’re approved, you can stop by a Cash 4 You in Ontario nearest you to complete the loan and get your cash in hand. You can even start your home improvements that very same day!

Visit Cash 4 You today and start taking care of all those home improvements that can help you live more comfortably in a safer, well-maintained home! Find a Cash 4 You store nearest you today!

Need an instant loan in a smaller amount? Apply for a payday loan and get instantly approved for up to $1,500! Use the money however you see fit and pay it back with your next paycheque! It’s that easy!

How To Use A Personal Loan To Repair Your Credit

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Let’s face it, we’ve all been in a position where our credit history is less-than-perfect. That’s ok! Sometimes life catches up to us in the form of unexpected bills and changes in career. But there are easy ways to repair your credit, or build your credit, using a personal loan. Join Cash 4 You as we outline some of these ways below!

The Six Steps To Using A Personal Loan for Credit Repair

Personal loans are a great way to carefully repair your credit score over time. Fortunately, this process is fairly straightforward and can be completed in as little as six steps!

Step 1: Have a Plan for the Money

First off, don’t take a personal loan just for the sake of having the money on hand. Make sure you have a clear plan of action of how you’ll use the money. Use the personal loan to pay down your high-interest debts. That could be a student loan or a car payment. If you’re debt-free, consider investing the funds from the loan into something that helps to build your credit like a car or home.

Don’t spend the money on frivolous things like new clothes, a new phone, or other luxury items. You’ll only sustain the cycle of debt you worked so hard to get out of.

Step 2: Look for the Best Terms and Rates

There are plenty of organizations that will offer you a personal loan, but that doesn’t mean you should take the first one you see. Shop around and look at different rates and terms. Find a lender that offers generous repayment schedules. For instance, at Cash 4 You, our Ontario money lenders give you up to 60 months to pay off your loan, and we are clear on our interest rates.

Step 3: Inspect the Loan Agreements

Once you’re approved for your personal loan (and at Cash 4 You, we can approve you almost instantly), it’s important to pour over every detail of your loan agreement. You’ll want to look for the conditions and any clauses. These could lead to changing interest rates or the lender could use these stipulations to alter the loan term.

At Cash 4 You, we don’t rely on hidden fees and what you see on paper is the exact loan you get!

 

Step 4: Borrow Less, not More

When you have the option to borrow a vast sum of money, you might agree to take the whole thing. After all, more money is better than less, right? Well, not always. By borrowing less money through a personal loan, you’ll be paying less in interest over time. That means that you’ll save more money in the long run.

Borrowing more than you need is just a way to sustain your bad spending habits and never improving your credit score. Our money lenders will help you choose a personal loan amount that’s right for you. We can offer up to $15,000!

Step 5: Make Your Payments On Time

It’s estimated that your payment history accounts for 35 percent of your credit score. That means that making your payments on time is one of the easiest ways to improve your credit score quickly. Use the loan money to pay off any high-interest debts on time, then start making regular payments toward the principle of the personal loan.

You can easily do this by setting up auto-pay through your bank or credit union, or by making your payments online! Plus, at Cash 4 You, we will never penalize you for paying your loan off early. You should be commended for your financial savvy, not punished!

 

 

Cash 4 You has more than 100 money lending locations across Ontario. Find the store nearest you to ask about our personal loan options and to start repairing your credit right away!

Helpful Hints for Spending Smarter and Saving More, Part 1

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Wouldn’t it be great if you could manage your spending so that you could not only get the things you want and need, but also save more money to help build your nest egg? It’s challenging for many people to find that nice balance between spending and saving. But with a little practice and by making small changes to your spending habits, you can make a big impact on your money management skills.

Today, the money lending experts at Cash 4 You have a few tips to share with you to help you spend wiser and save more. So sit back, relax, and enjoy these helpful spending hints!

Tips for Spending Money Wisely to Saving More

Set a Budget and Stick to It

You’ve probably been told time and time again that you need to set a budget to manage your spending, and this is because it really does help. One easy way to do this is to create a spreadsheet or spending journal where you can track your pay, your bills, and your spending budget. Once you deduct all the bills, make a realistic budget for groceries, gas, and other living expenses. Then, you can determine how much money you can spend on fun things while also setting some aside for savings. Stick to this budget and once you get used to the routine, you’ll likely find that impulse buys have decreased, and you have more money going to savings.

Put Money In Savings and Leave It In Savings

Using your budget, make sure to put something into your savings account each paycheque, even it’s only a small amount. The key is to leave it in savings once it’s there. As you get into your budget routine, you’ll be more aware of how easy it is to be more frugal with your spending and more generous with your savings, all while being able to pay your bills and monthly expenses.

 

 

Shop Around

Along with planning your spending, another way to spend wiser is to shop around when spending. This is especially important for big purchases and spending money on services. There’s almost always a better deal out there, it’s just a matter of finding it. But taking the time to shop around can save you a lot on your spending, rather than just buying the first thing you see. Check websites and advertisements for deals, coupons, and price matching to make your money go further.

Pay with Cash Over Cards

When you pay with plastic, it’s easy to overspend. Simply being able to swipe and go without seeing what money you have in your account, and what effect that purchase had on your spending capabilities. On the other hand, when you have physical cash in your wallet to spend, it helps you be more aware of what you really have to spend, which can keep you within the limits of your budget.

Get the Cash You Need Instantly

Now that you have the tools to spend your money wisely, put these tools into action by getting the money you need now. Obviously, money won’t just fall from the sky when you want it, but taking out a personal loan is a great way to get cash instantly. Rather than spending time scouring the internet for “installment loans near me” and “installment loans online,” why not just reach out to Ontario’s Top Rated Local® money lenders?

Cash 4 You offers instant approval for installment loans in amounts up to $15,000. Simply apply online or stop by one of our 100-plus stores in Ontario to apply for a loan, and get your cash the same day! We work with all credit situations, so getting the money you need when you need it has never been easier. Start spending wisely and save more today!

What is myCreditBoost™ and How Does It Work?

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At Cash 4 You, we understand that there is a lot more to your financial profile than just your credit score. But the truth of the matter is, a poor credit score can keep you from achieving your financial goals and living the life you want to live. On the other hand, building a positive credit profile can give you a solid financial foundation while enhancing your purchasing power. 

As the Top Rated National® money solutions retailer in Ontario, our goal is to help you get the money you need while building your credit through the personal loans we offer. Let’s explore the myCreditBoost™ benefit, how it works, and how it can help transform your credit profile for the better.

What is myCreditBoost™?

If you are ready to make a positive impact on your credit history, myCreditBoost™ can help. This credit-building benefit is an extension of your personal loan with Cash 4 You. It is designed to be a simple and straightforward benefit that helps you build your credit score over time by making your loan payments on-time by cash or debit.  

How It Works

myCreditBoost™ is one of the simplest ways to improve your credit score. Here’s how it works.

Apply for a Personal Loan

Visit Cash 4 You to apply for your loan online, or drop by one of our more than 100 locations in Ontario to apply in person. Getting approved for installment loans in amounts of up to $15,000 takes only minutes. Once approved, simply agree to the terms of your loan and get your money the same day you’re approved. 

Make Regularly Scheduled Payments On-Time

Once you are approved for your loan, you can start building your credit by making your regularly scheduled payments on-time according to the agreed-upon repayment terms. Your loan payments will be due according to your pay frequency, ranging from weekly, bi-weekly, semi-monthly, and monthly payments. 

Build Positive Credit Marks on Your Credit History

Here at Cash 4 You, we value your on-time payments and we understand just how important they are to your credit profile. That’s why, unlike other money lenders, we report your timely loan payments to all of the major credit bureaus, including TransUnion and Equifax. As you make your scheduled payments, we report them, and you accumulate positive impressions on your credit history with each on-time payment. That’s right! It really is that easy!

Keep in mind that missing payments or making late payments can significantly impact your credit history by dropping your score. That’s why if you miss a payment or make a late payment, you will want to contact Cash 4 You right away to explore your options. Our friendly lenders are here to help you. 

Is a Credit-Building Loan Right for Me?

Whether you already have good credit and you want to make it better or you have poor or no credit and want to build your credit history, myCreditBoost™ is a simple yet effective solution for you. By taking out a personal loan with Cash 4 You, you get the money you need to spend how you need, and you can improve your credit at the same time, simply by paying your loan installments on-time. 

Building your credit is the best way to improve your purchasing power while establishing a solid financial foundation for you and your family. That’s why our credit-building loans are ideal for anyone who wants to strengthen their credit profile.

Get Instantly Approved for an Installment Loan Now!

There’s never been a better time than now to start building your credit, and we can help. Visit Cash 4 You to apply for a loan online, or stop by one of our 100-plus stores located in Ontario to get instantly approved. Whether you need $1,000 or $15,000, we have a sensible personal loan for you. Better yet, our relaxed credit requirements make getting instantly approved for your loan simple, fast, and hassle-free. Get approved now, start making timely loan payments, and enjoy the benefits of myCreditBoost™. It’s time to take control of your financial future! 

Want to stay up-to-date on all of our money solutions, watch handy credit-building tips, and so much more? Subscribe to the Cash 4 You YouTube channel where you can watch insightful and entertaining videos about all things loans, money-saving tips, and more. Subscribe today!

6 Ways to Repair Your Credit, Part 1

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When it comes to money management, it’s easy to make mistakes. Unfortunately, these mistakes can negatively affect your credit score. Plus, sometimes circumstances out of your control can also affect your credit, such as a divorce or bankruptcy. When your credit slips from perfect to good to bad, to, well, rock bottom, it can be challenging to get approved for car loans, housing rentals, mortgages, and get a good interest rate on loans. What’s more, employers often check potential employee’s credit score as part of the hiring process. A bad credit score can reflect negatively on your character in the eyes of a potential employer who doesn’t know you personally.

To be frank, a low credit score can really hurt your ability to work, play, and live comfortably. But there is hope, however, and no matter how low your credit score drops, there’s always the chance to repair it. The road to achieving a good credit score can be bumpy and difficult, but well worth the effort, as completing that journey always pays off in the end.

As Canada’s leading money lender in Ontario, the Cash 4 You team wants to help you achieve your financial goals. That’s why today, we’ll share six ways you can start repairing your credit score by making small changes that can have a big impact on your credit. Don’t let a low credit score hold you back from life’s adventures; visit Cash 4 You to get approved for installment loans of up to $15,000, regardless of your credit standing. Get the money you want and repair your credit at the same time!

The first step in repairing a low credit score is knowing your options so that you can make a plan and stick to it. In part one of our short blog series, we’ll share six helpful tips to get you started on your journey to achieving awesome credit.

 

Check Your Credit Report

The first step to repairing your credit is to check your credit report so you know where you stand. People often avoid checking their credit score if they know it’s gone down, so it’s important to know exactly what your credit score is, which delinquent accounts have made a negative impact on your credit score, and which accounts are in the clear. Identifying the reasons why your credit score is poor gives you a good place to start in repairing it.

Visit TransUnion or Equifax, two of the leading credit bureaus, that will provide you with a free credit report once a year. Oftentimes, your bank will even provide you with a credit report, free of charge.

Make Good on Bad Accounts

After checking your credit report, figure out which accounts are in the positive, which are behind, and which are in collections. Highlight the open or current accounts that show missed or late payments, as well as the delinquent accounts that are in collections. It’s up to you to decide where to start, but reaching out on the open accounts that have not gone to collections may be an ideal place to start. If you only need to make a few payments to bring them up-to-date, pay these accounts down before they go to collections. Doing so is a great way to start instantly improving your credit. Then, contact creditors to make arrangements for setting up a payment plan. The sooner you contact them, the better.   

Pay Minimum Payments

For any open accounts you have, it’s always smart to at least pay the minimum payment. Skipping a payment will continue to reflect poorly on your credit, but paying the minimum amount shows that you’re making an effort to keep it up-to-date. If you can’t make the entire payment, contact your account holder to see if they’d be willing to make a payment arrangement with you. It can’t hurt to ask.

 

 

Improve Spending Habits

One of the best things you can do moving forward is to improve your spending habits. Setting boundaries on spending, making a budget, and avoiding impulse spending sprees are just a few ways to start improving your credit. Once you build healthy spending habits, you’ll have a routine to follow that limit money management mistakes like overspending and maxing out high-interest credit cards. Stay tuned for an upcoming article outlining ways to improve your spending habits!

Open A Bank Account

If you don’t have a bank account, open one. Check local banking institutions and credit unions that offer easy opportunities to open a bank account. Maintaining a healthy checking account that does not go into the negative and building a savings account, can help you get into the routine of managing your money wisely, budgeting, using options like bill pay to stay on top of your bills, and saving money, all of which reflect positively on your credit and payment history.

Get Approved for an Installment Loan   

Taking out an installment loan gives you the opportunity to make regular payments toward your loan over time. While it might seem as though this type of personal loan is out of the question for someone with a low credit score, it’s just the opposite. At Cash 4 You, we can instantly approve anyone for installment loans in amounts of up to $15,000, regardless of their credit standing. You see, as Canada’s Top Rated National® installment loans provider, we’re passionate about helping people from all walks of life, and all credit backgrounds, get the money they need to support a happy life. We understand that sometimes, things happen that can affect your credit, which is why we offer relaxed credit requirements for installment loans.

Visit A Cash 4 You Near You

Getting an installment loan is easy and fast, and you can get your money the same day you apply. Simply apply online or in one of our 100-plus locations in Ontario, get approved in minutes, and stop by a Cash 4 You nearest you to complete the loan and pick up your cash. We work with you to determine the best repayment plan that is ideal for you. Start rebuilding your credit with a Cash 4 You installment loan and experience the freedom that comes with a good credit score!

Tune in next time as we look at six more ways to repair a low credit score. Until then, thank you for reading!