Are you looking to take your credit score to the next level in 2020, but aren’t sure how? As a Top Rated National® money lender in Ontario, Cash 4 You is here to help you optimize your financial profile by building good credit. That’s why we’re committed to offering more than just loans to our friends and neighbors all across Ontario. Along with our installment loans, you can enjoy the CreditBoost™ benefit, which is designed to help you transform your credit standing and financial well-being one payment at a time. Keep reading to learn more.
What Is an Installment Loan?
Installment loans are some of the most accessible and practical personal loans that can benefit people of all credit standings and from all walks of life. At Cash 4 You, we offer installment loans in amounts ranging from $1,000 up to $15,000. They are called installment loans because borrowers repay the loan in sensible installment payments over the course of 60 months or less, depending on the terms of the loan. Because this loan is considered an unsecured loan, there is no need to put up any collateral for the loan. What’s more, we look at more than just your credit score when you apply, which is why you will never need a co-signer. We make getting instantly approved for your installment loan fast, easy, and stress-free. Plus, you’ll get your money the same day you’re approved.
Now that you know what an installment loan is, you’re probably wondering how this loan can help you build your credit. Check it out.
Make On-Time Payments
Paying your installment loan on time is one of the best ways to improve your credit score. By making your regularly scheduled loan payments on time and according to your pay frequency, you show that you are a responsible borrower who is attentive to paying your loan. Unlike other money lenders, Cash 4 You notes each on-time payment in our system. We then report all of your timely payments to major credit bureaus like Equifax so that you can begin accumulating positive notations on your credit history.
Pay the Full Amount Due
Paying the full amount due on your loan payment can also improve your credit score. For one, paying less than what is due can put you further and further into the hole, which will hurt your credit at the same time. But by paying the full payment amount due on your installment loan, you show that you are responsible, trustworthy, and financially capable of repaying your loan. This can help you improve your credit score while strengthening your purchasing power. Additionally, this reflects positively on you as a borrower that could make it easier to get approved for future personal loans, car loans, mortgage loans, and more.
Get Approved for a Loan Now
Are you ready to unlock your financial potential? There’s no better time to start than now. At Cash 4 You, we have funded more than $1 billion in loans for hard-working Canadians just like you. With an installment loan, you can get access to cash money while building your credit and strengthening your purchasing power. Connect with us today to get started!
With the new year comes many new opportunities to make improvements to all aspects of your life. At Cash 4 You®, we’re dedicated to helping you improve your financial well-being through an array of loan options that can not only give you the money you need when you need it, but which can also help you build or strengthen your credit profile while increasing your spending power. If you’re in the market for a personal loan in 2020, but aren’t sure which loan is best for you, we’re here to help. Keep reading to learn about the best personal loans to consider this year, and connect with Ontario’s Top Rated Local® money lender to get instantly approved for a cash money loan right now.
What Are the Best Personal Loans?
When it comes to borrowing money, you want to find a loan that makes the most sense for you. Before we start exploring your loan options, here are some things to consider before choosing a loan.
How much money do I need?
What do I need the money for?
How are my finances?
Do I have an open, active bank account?
Have I recently applied for credit cards or loans?
What is my current debt-to-income ratio?
Will borrowing money help me achieve my goals?
Can I afford a monthly loan payment?
What are the minimum and maximum amounts I can realistically afford to borrow?
These questions can help steer you in the right direction toward finding the best loan for your circumstances. Now then, let’s explore your loan options.
Unsecured Personal Loans
Unsecured personal loans are typically easier for virtually anyone to get approved for. This type of loan can be approved as long as you meet the money lender’s loan application requirements, and you do not have to provide any collateral to get the loan.
At Cash 4 You, we want to help all hard-working Canadians just like you get the money they need when they need it — regardless of your credit standing. That’s why all of our personal loan options are unsecured loans for maximum accessibility and affordable.
Payday Loans
Sometimes borrowers only need a small amount to get them through until their next payday. A payday loan — also referred to as an instant cash loan, short-term loan, or cash advance loan — has a quick and easy approval process and instant cash payouts. Unlike other personal loans offered in larger amounts, payday loans are offered in amounts up to $1,500. This loan is designed to be super easy to repay using your next paycheck.
Payday loans are ideal for making smaller purchases, covering monthly living expenses, or paying bills. This type of loan is also perfect when you’re in a financial pinch and need some instant cash money to get you through until your next payday.
Installment Loans
When you need a larger amount of money to cover a big purchase, fund home improvements, cover wedding expenses, or to fund your dream vacation, an installment loan is your best choice. Cash 4 You offers installment loans ranging from $1,000 up to $15,000. The approval process is just as easy as it is with our other personal loans. We have relaxed credit requirements and will consider other aspects of your financial standing — not just your credit score. This allows us to fund hundreds of thousands of loans for people falling anywhere on the credit spectrum. What’s more, you can take up to 60 months to repay your loan according to sensible repayment terms agreed-upon during your approval.
An Excellent Credit-Building Loan
One of the best benefits of an installment loan with Cash 4 You is that you cannot only get the money you need, but you can also build and improve your credit over time. You see, unlike other money lenders, we report each on-time payment you make to the top credit bureaus. Each on-time payment leaves a positive mark on your financial profile, meaning you can grow and improve your credit score with each payment you make! Follow the link to learn more about CreditBoost™ and how it can benefit your financial well-being.
Apply for a Personal Loan Today!
Are you ready to find the best loan for you and your family? We’re excited to help you get the money you need and deserve. Apply for a personal loan of up to $15,000, and get approved in minutes! At Cash 4 You, we make it fast and easy to get the money you need to cover monthly expenses until payday, or to fund big purchases, life events, vacations, and more. Apply online to get started, or drop by a Cash 4 You in Ontario where we have more than 100 convenient locations to serve you. Get your money, and make 2020 your best year yet!
It’s hard to believe Valentine’s Day is nearly here. For many of us, we’re still settling back into a normal routine after the whirlwind of the end of the year holidays. That being said, if you’re still recovering from the holidays, money may be tight for Valentine’s Day spending. If you’re trying to stick to a budget for Valentine’s Day, your friends at Cash 4 You® have a few handy tips to make this lovers’ holiday budget-friendly. Keep reading to learn more, and visit Cash 4 You to learn more about our installment loans in amounts ranging from $1,000 up to $15,000. We’re happy to get you the money you need for Valentine’s Day.
Just because you’re working within a budget, doesn’t mean you have to sacrifice your fun. Use these tips to make Valentine’s Day affordable for you and your special someone.
Make Breakfast in Bed
Going out to breakfast is always fun, but it can get costly. Instead, save a little money by making your partner breakfast in bed. Buying breakfast fixins is always cheaper than paying someone else to make breakfast for you. Plus, making breakfast in bed is an excellent way to start the day, and makes for a more intimate, less-stressful, and more affordable morning date.
Plan a Picnic Lunch Outdoors
A picnic is always a winning way to celebrate Valentine’s Day. The two of you can either create a fun and yummy picnic lunch together, or you can surprise your special someone with an impromptu romantic picnic date. No matter where you live in Ontario, there are any number of locations that provide a perfect place to picnic (even if it’s a little chilly). Just don’t forget the chocolates and the bubbly to warm you up!
Make a Romantic Dinner at Home
Valentine’s Day is always a great reason to go out to dinner with your special person, but it can also be quite expensive and even stressful. This year, skip the packed restaurants. Instead, stay in and cook a romantic dinner at home, complete with delicious eats by candlelight, music, fancy drinks, and a decadent dessert. You can even go all out by getting dressed up in fancy clothes to make your romantic dinner even more special. Follow up your dinner with dancing to a playlist of your favorite songs, a moonlit evening stroll, or a viewing of your favorite romantic comedies.
Take a Drive Together
Enjoy a romantic drive together to the place where you first met, someplace you’ve never been, or somewhere away from the hustle and bustle of city life. If it works with your budget, make a night or a weekend out of it. Even if you don’t, an installment loan is a great way to fund a romantic Valentine’s Day getaway without breaking the bank, or without charging expenses to your high-interest credit cards. Get instantly approved for a loan right now!
Get Approved for Your Personal Loan for Extra Funds
If you want to make this Valentine’s Day extra special without running your bank account dry, having some extra funds from a personal loan can help! When you have some extra money to work with, staying within your budget is easier than ever. What’s more, you can fund gifts and pay for a romantic getaway, all while still having money left over for other purchases, to build up your savings account, and more.
Apply for your installment loan online and we’ll approve you in minutes. You can also drop by one of our 100+ Cash 4 You stores to get the best loan in Ontario. Use up to $15,000 how you want and make this Valentine’s Day one you will both remember, all while working within your budget. Apply for your loan today!
Want to learn how an installment loan with Cash 4 You can help you get the money you need and build good credit? Follow the link to learn more about CreditBoost™, an outstanding benefit that you can enjoy with your personal loans through Cash 4 You. Start making a positive impact on your credit profile one payment at a time!
Your credit score — those three little numbers that can determine whether or not you can finance your dream car at a low interest rate, or whether you can even get approved for a credit card at your favorite department store. Moneylenders, banks, and even landlords use this magic little number to gain a better sense of your financial profile to determine whether or not you are likely to repay funds or make on-time payments.
When you have less than perfect credit, poor credit, or no credit at all, it’s essential to your financial well-being that you find opportunities to improve your credit score. Doing so can give you more financial freedom and stronger purchasing power so that you can live the lifestyle you desire. Even if you have good credit, strengthening your credit score, even by just a few points, can reduce your interest rates, monthly payments, and more. If you’re looking for ways to improve your credit score quickly this year, your friends at Cash 4 You have some handy tips to get you started down the path to success. Check it out!
Check Your Credit Score
The best way to know where you stand on the credit spectrum is to check your credit score. You should be sent an annual credit report from the top credit bureaus annually, so use this to your advantage. What’s more, you can use online credit check programs to track your credit score; however, do your due diligence in researching these credit companies before joining their program or using their tools. You can also talk to your bank to find out if they offer a credit tracker program free of cost for their members.
Pay Your Loans and Credit Cards On Time
This is the most important thing you can do to build your credit fast this year. Always pay your loan payments, credit cards, and other bills on time and in the full payment amount (or more) that was agreed-upon in the terms of your loan. Doing so shows that you are responsible with your finances. That way, whenever a lender makes a credit inquiry on your profile, they can see that you are a reliable borrower, which can lower your interest rates, reduce your monthly payment amount, and give you larger loan amounts. Paying your bills late or missing payments will negatively affect your credit immediately, and it can be hard to recover from these negative marks on your credit profile quickly.
Pay More than the Balance Due
Use the information provided on your credit card statement to determine how much you need to pay and when. At the top of your statement, you will see the payment due date, new balance, and minimum payment due. Your new balance reflects any additional charges, plus interest fees, that were accrued during the last bill cycle. The minimum amount due is simply a small monthly payment amount that keeps your credit card active. But if you only pay the minimum amount due each month, it could take you years to pay off your balance due, and you will be charged hefty interest fees that increase the total amount.
Rather than paying the minimum, try to pay the full amount statement balance on the due date to boost your credit score and to eliminate credit card debt fast. Another trick you can use to improve your credit is to pay off the recent credit card charge before your bill comes due. This may be more appropriate if you are building mileage points or you get rewards and points for using your credit card.
Don’t Over-Apply for Credit Cards
One of the worst things you can do for your credit score is to over-apply for credit cards and loans. Lenders make a hard inquiry on your credit each time you apply for a credit card or loan, which can reduce your credit score. Having too many inquiries at once can reflect poorly on your credit profile. Timing is of the utmost importance, so keep this in mind when you apply.
Keep Unused Credit Cards Open
Paying off your credit cards will absolutely boost your credit score. One way to give your score an extra boost is to keep unused credit cards open. Doing so shows that you can refrain from using borrowed money even when it’s readily available to you. This also shows that you are financially stable enough to not have to rely on credit cards to make purchases, which can increase your purchasing power down the road. Just make sure that your open, unused credit cards aren’t costing you in annual fees.
If you are concerned that you can’t refrain from using an open, paid-off credit card, you can always freeze your card, or cut it up to prevent use.
Start Boosting Your Credit Now
If you’re ready to transform your credit score for the better, there’s no better time to start than now, and these tips can get you started. What’s more, Cash 4 You offers personal loans that can not only give you the instant cash you need to pay off credit cards and fund large purchases, but which can also help you build your credit score one payment at a time.
All you need to do is apply for a loan online, or stop by one of our 100+ stores conveniently located in cities across Ontario. As long as you meet our relaxed credit requirements, we can approve you in minutes and give you up to $15,000 cash-in-hand the very same day. Then, simply pay your installment loan payment on-time according to the agreed-upon terms of your loan, and enjoy watching your credit score rise. It really is that easy! Stop in and see us today and enjoy all the benefits of boosting your credit score by making your loan payments on time.
Want to watch tips and tricks for boosting your credit score, saving money, and more? Subscribe to the Cash 4 You YouTube channel where you can watch entertaining and insightful videos that are created to help you make the most out of your personal loans and strengthen your financial well-being.
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.
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!
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.
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!
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