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Best Personal Loans to Consider in 2020 | Cash 4 You®

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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!

How Can I Improve My Credit Score Fast in 2020? | Cash 4 You

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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.

The Five Places You Should Visit for Summer Vacation

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

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

Take a Heli-Hiking Tour of the Canadian Rockies

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

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

See the City of Saskatoon Come to Life

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

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

Find out More about the Golden History of Yellowknife

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

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

Treat Yourself to a Good Time in Badlands

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

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

Watch the Seasons Change in Agawa Canyon

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

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

Fund Your Vacation With An Installment Loan From Cash 4 You

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

Helpful Hints for Spending Smarter and Saving More, Part 1

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

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

Tips for Spending Money Wisely to Saving More

Set a Budget and Stick to It

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

Put Money In Savings and Leave It In Savings

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

 

 

Shop Around

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

Pay with Cash Over Cards

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

Get the Cash You Need Instantly

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

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

6 Reasons to Get An Installment Loan

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Cash 4 You is Canada’s one-stop-shop for a variety of personal loans and money lending solutions for hard-working Canadians just like you. Along with offering payday loans in amounts up to $1,500, money transfers, cheque cashing, and more, installment loans are one of our most popular personal loan options. Offering a stress-free loan application process, convenience, and flexibility, there are so many reasons to get instantly approved for an installment loan. Here are six reasons why you should get a Cash 4 You installment loan.

Reason #1: Convenience

Installment loans are one of the most convenient ways to get the large sum of money you need instantly. All you need to do is apply online, get approved in minutes, accept your loan terms, and pick up your cash the same day at one of our more than 100 convenient locations nearest you.

Reason #2: Easy Application

The loan application process is simple and can be completed in just a few minutes, either online, or at one of our 100-plus stores located across Ontario and beyond. Once you’re approved, you can come into the store nearest you to complete the loan process and get your money the same day. It really is that easy!

Reason #3: Relaxed Credit Requirements

Here at Cash 4 You, we approve installment loans for all credit situations — good, bad, and even no credit. Plus, there’s no need to put up collateral for your loan. We just need a government-issued ID saying that you’re 18 years of age or older, proof of steady income, and an open, active bank account. That’s it!

Reason #4: Use The Money How You Want

Installment loans in amounts up to $15,000 simply make sense for larger purchases and hefty expenses. Whether you’re funding a vacation, home improvements, buying a new car, or covering wedding expenses, use the money however you choose! You can even put the money in a savings account to save for a rainy day! The choice is yours!

Reason #5: Simple Repayment Terms

With installment loans, you have up to 60 months to pay off your loan. If you decide to pay it off sooner, that’s fine, too! There are no early payoff fees! What’s more, we offer affordable monthly payments that can help you build your credit as you pay off your loan! We want your installment loan to benefit your financial situation, not hinder it.

Reason #6: Financial Freedom

With installment loans, we’ll approve you instantly for up to $15,000. Then, you can use the money how you see fit. Cash 4 You makes it fast, easy, and hassle-free to get the money you need when you need it most.

Visit The Cash 4 You Nearest You Today!

When you need up to $15,000 for a big purchase or large expense, installment loans are an ideal money solution for people from all walks of life. Getting approved for an installment loan is not only convenient, but also easy, stress-free, and beneficial for building and improving your credit standing. Apply online and drop by and see us at one of our more than 100 locations in Ontario and beyond to get your cash today! Get approved for installment loans near you today!