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!
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!
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.
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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.
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!
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.
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!
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!
We could all use a little extra cash sometimes. When the money you need for a large purchase or big expense doesn’t fall from the money tree, you need to know what your loan options are. As Canada’s Top Rated Local® money lending retailer, we know loans and, today, we would like to explore one of the most popular loan options we offer: installment loans. An installment loan could contribute getting you to turning your dreams into realities! Learn all about this personal loan option and then drop by a Cash 4 You near you to get instantly approved for an installment loan of up to $15,000!
What, Exactly, Is An Installment Loan?
An installment loan is a type of unsecured loan, meaning we do not require collateral to borrow your desired cash amount. Installment loans can be borrowed in larger amounts to cover big purchases, fund a vacation, or pay for home improvements. Unlike the short-term loans we offer, such as payday loans, installment loans can be paid off over time according to repayment terms that make sense for your financial situation. Our friendly money lenders can approve installment loans for people who fall on all areas of the credit spectrum, ranging from poor credit to excellent credit. Additionally, the loan application process is quick and straightforward, hassle-free, with no hidden costs or fees. We approve installment loans instantly so you can pick up your cash the same day.
How To Get an Installment Loan
Cash 4 You makes it fast, easy, and convenient to get approved for an installment loan. You can apply for as little as $1,000 and up to $15,000. Simply visit Cash 4 You to apply online, then visit your nearest Cash 4 You store to finish the document verification process and finalize the application and loan agreement terms. Once you’ve been approved, our lending experts will give you your cash-in-hand.
How To Use Your Installment Loan
While some loans must be applied to a specific purchase, like a home or vehicle, an installment loan can be used however you please. Really, the possibilities are endless! Have you dreamed of taking a long vacation to the United States or to Europe? Have you been dreaming of improving your home to make it more amenable to raise a family? Need to cover an unexpected trip to the vet? Or would you simply like to pay off high-interest credit cards with large balances? No matter how you want to use it, the money you get with a Cash 4 You installment loan can help you achieve your goals without the hassle of having to go through a bank to get the money you need.
How To Repay Your Loan
Cash 4 You installment loans are designed to be easy to get and simple to repay. This type of personal loan is considered a long-term loan, which is paid off over time. We don’t want your loan repayment to be stressful for you, which is why we make this process not only relaxed but affordable. Your lending expert will work with you to determine a repayment plan that makes sense for you, allowing you to make regular payments over the course of up to 60 months. We take into consideration your loan amount and income to determine the most efficient repayment terms for you. A great aspect of repaying your loan over the long-term is that it can help you build and/or repair poor credit!
Get Approved For An Installment Loan Now!
Are you ready to start achieving your financial goals? Visit Cash 4 You to get approved online or at one of our 100-plus convenient stores located throughout Canada! Join the millions of happy customers who have used the cash from their installment loans to turn their dreams into realities! Apply online or in-person today!
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