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.
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Couples across Ontario plan weddings of many different sizes and budgets. Wedding expenses can add up, so it is important to understand your financing options and consider the total cost of borrowing before taking out a loan.
Cash 4 You offers personal installment loans from $500 to $20,000 to eligible Ontario residents, subject to verification, qualification requirements and final approval.
You can apply online or at a Cash 4 You location. After you submit your application, we will review your information and provide a decision. Applying does not guarantee approval or funding.
Final approval and funding are subject to verification of your identity and application information, qualification requirements, and signing all required loan agreements. Once your application is complete, verified and approved, choose Interac e-Transfer or direct deposit. Funding timing may vary based on verification, bank and payment-network processing, and service availability.
Approved installment-loan funds may be used for eligible personal expenses, subject to the terms of your loan agreement. Here are some wedding expenses you may want to consider when planning your budget.
Book the Reception Venue
A reception venue may require a deposit to reserve your preferred date. When comparing venues, consider what is included in the price, such as catering, drinks, entertainment and other services.
Approved installment-loan funds may be used for eligible venue expenses. Before borrowing, compare the total cost of the loan with your other payment options and make sure the scheduled payments fit your budget.
Reserve the Ceremony Location
A ceremony location may also require an advance deposit. Compare available locations, confirm what is included in the price and review the cancellation policy before making a reservation.
If you use approved loan funds for the reservation, borrow only an amount you can reasonably repay according to the payment schedule in your loan agreement.
Book the Videographer and Photographer
Photography and videography services can vary significantly in price. Request quotes, review package details and confirm the required deposit before selecting a provider.
Approved installment-loan funds may be used for eligible photography or videography expenses, subject to the terms of your loan agreement.
Wedding Dress
Wedding attire is available in many styles and price ranges. When setting your budget, remember to include alterations, accessories, taxes and other related expenses.
An approved installment loan may help cover eligible wedding-attire expenses. Consider the total cost of borrowing and your ability to make the scheduled payments before using a loan.
Wedding Flowers
The cost of wedding flowers and decorations can depend on the season, supplier and size of the wedding. Your budget may need to account for bouquets, ceremony arrangements and reception decorations.
Compare suppliers and decide which arrangements are most important for your event. Approved loan funds may be used for eligible flower and decoration expenses. Borrow only what you need and can reasonably repay.
Apply for an Installment Loan
To apply for a Cash 4 You installment loan, you must:
Be an Ontario resident with valid government-issued photo identification
Be at least 18 years old
Have a steady source of income
Have an open and active bank account
Meeting these requirements does not guarantee approval. Approval and available loan amounts are subject to verification and qualification requirements.
Before signing, review your interest rate, payment schedule, repayment period and any applicable fees. No prepayment penalties apply.
You can apply online or at a Cash 4 You location for an installment loan from $500 to $20,000. If approved and after you have signed all required loan agreements, choose Interac e-Transfer or direct deposit.
Thinking about taking out a personal loan? If you are considering how loan funds might be used, Cash 4 You can help you explore available installment-loan options. Approval and available loan amounts are subject to verification and qualification requirements.
Personal Loans and Your Financial Needs
What can personal loans be used for? Approved personal-loan funds may be used for eligible personal expenses, subject to the terms of your loan agreement.
Before borrowing, consider the total cost of the loan and whether the scheduled payments fit your budget. Your repayment period, interest rate, payment schedule and any applicable fees will be disclosed before you sign.
Here are some ways borrowers may consider using approved personal-loan funds.
Consider Debt Consolidation
An approved personal loan may be used to pay down higher-interest debt. However, consolidating debt does not guarantee savings or an improved credit score.
Compare interest rates, applicable fees, repayment periods and the total cost of borrowing before making a decision. Only borrow an amount you can reasonably repay and make each scheduled payment according to your loan agreement. No prepayment penalties apply.
Make Home Improvements
Approved personal-loan funds may be used for eligible home-improvement expenses, such as updating a bathroom, repairing a kitchen or painting your home.
Unlike home-equity borrowing, an unsecured personal loan does not use your home as collateral. Home improvements may affect the resale value of a property, but results vary depending on the project, cost and market conditions.
Handle Unexpected Expenses
Unexpected expenses can place pressure on your budget. An approved personal loan may be one option for covering an eligible emergency expense, such as a vehicle repair or veterinary bill.
Before borrowing, review the cost of the loan and determine whether you can make the scheduled payments according to the loan agreement.
Finance a Vehicle-Related Expense
Approved personal-loan funds may be used for eligible vehicle-related expenses. Compare the interest rate, repayment period, applicable fees and total cost of borrowing with other financing options before making a decision.
Cover a Major Life Expense
Approved personal-loan funds may also be used for eligible personal expenses such as a wedding, necessary travel or another major life event. Consider the total borrowing cost and your ability to make the scheduled payments before taking out a loan.
Apply for a Personal Loan
Eligible Ontario residents can apply online or at a Cash 4 You location for an installment loan from $500 to $20,000, subject to verification, qualification requirements and final approval.
After you submit your application, we will review your information and provide a decision. Applying does not guarantee approval or funding. Final approval and funding are subject to verification of your identity and application information, qualification requirements, and signing all required loan agreements.
Once your application is complete, verified and approved, and you have signed all required loan agreements, choose Interac e-Transfer or direct deposit. Funding timing may vary based on verification, bank and payment-network processing, and service availability.
Review your interest rate, payment schedule, repayment period and any applicable fees before signing. No prepayment penalties apply.
It happened again. You started your washing machine before heading to work and came home during your lunch break to find a giant puddle covering the floors in your laundry room and nearby kitchen. Only this time, the leak from your 20-year-old washer has caused pretty substantial water damage to your flooring. The beautiful laminate flooring you installed a few years ago is now a soggy mess and the laminate floorboards are now warped beyond repair. This was the leak you’ve been dreading.
With spring right around the corner, now is the perfect time to start planning all those springtime home improvement projects you’ve been putting off. Whether you have a sudden need for a home improvement project, or you have been daydreaming about the day you can finally update those hideous 1980s melamine cabinets with oak trim in your kitchen, an installment loan of up to $15,000 with Cash 4 You can fund your upgrade. When you’re searching for “money lenders near me,” choose the Top Rated National® loan experts that can get you the money you need instantly with a personal loan that simply makes sense.
Ways to Use Your Installment Loan for Spring Home Maintenance
Check out these helpful hints for springtime home improvement musts.
Replace Outdated Home Appliances
After you run the dishwasher, do you go to put your dishes away only to find that chunks of food still cling to the plates? Does your washing machine spring a leak each time you wash a load of laundry? Does your dryer make a loud banging sound signaling that it may have fallen off its track?
If you answered yes to any of these questions, it might be time to bite the bullet and update your outdated, inefficient appliances — and an installment loan can help! Appliances have come a long way in the last decade. They are being built to be more efficient, more eco-friendly, more cost-effective, and designed to last longer than ever before. Upgrading your appliances can not only improve efficiency, but you’ll likely save money on your utility bill each month,
Install New Windows
We’re lucky enough to have all four seasons here in Ontario, which means you’ll need protective windows that can keep the cold air on those chilly days out, and keep the cool temperatures in on those warmer days. When you have leaky windows, warm summer air can sneak in while letting the cooler conditioned air seep out. Conversely, drafty windows can make a cold day outside just as chilly inside your home. Either way, not only is your comfort reduced, but you’re spending more money to keep your home at a comfortable temperature.
Use your installment loan to replace drafty windows with an efficient window system that protects the interior of your home from all the elements.
Install New Plumbing Fixtures
Whether your plumbing fixtures look ugly and outdated, or they are prone to leaks, upgrading your plumbing is always a great way to maintain the aesthetic and function of your home. Additionally, you can save money on your monthly utility bill by installing more efficient, eco-friendly plumbing features. This is especially important if you plan to sell your home. Installing new pipes and plumbing fixtures that are energy-efficient adds value to your home and are highly enticing for potential buyers. What’s more, plumbing upgrades can help prevent future problems from occurring.
A personal loan of up to $15,000 can fund several plumbing upgrades to help you live comfortably and enjoy a potential return on your investment!
Update Your Flooring and Countertops
There’s nothing quite like the feeling of walking over freshly-laid carpet or new laminate flooring. Additionally, installing new flooring can add a touch of newness and elegance to your home that reflects your unique style. In addition to new flooring, replacing or resurfacing your countertops is a great way to get rid of outdated styles and colors that hinder your home’s aesthetic.
One of the best places to start is in the kitchen. The kitchen is essentially the heart of the home where we gather to cook, eat, hang out, and laugh together. Investing in new kitchen flooring and countertop upgrades will give you a beautiful place to congregate with your family and friends, while also increasing the value of your home, should you decide to sell down the road.
Fund this smart home improvement with an installment loan and enjoy relaxed repayment terms that fit your budget and lifestyle.
Get Approved for an Installment Loan
When you want to update your home with new appliances, floors or cabinets, or make necessary seasonal repairs, an installment loan may help fund your home improvements. Apply online or visit Cash 4 You to apply for an installment loan of up to $15,000.
Submitting an application does not guarantee approval. Applicants with different credit histories may apply, but approval is subject to verification and qualification requirements. Final approval and funding also require signing all required loan agreements. After your application is approved and verified, choose Interac e-Transfer or direct deposit. Review your rate, repayment schedule and any applicable fees before signing.
Visit Cash 4 You to learn more about the available loan options for your home improvements. Apply online or find a Cash 4 You store near you.
Need a loan in a smaller amount? You may apply for a payday loan of up to $1,500. Submitting an application does not guarantee approval. If approved, choose Interac e-Transfer or direct deposit. Your repayment date, applicable costs and available repayment methods will be set out in your loan agreement.
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
You can apply for an installment loan online or at one of our more than 100 locations in Ontario. Submitting an application does not guarantee approval. Final approval and funding are subject to verification, qualification requirements and signing all required loan agreements. After your application is approved and verified, choose Interac e-Transfer or direct deposit. Review your rate, repayment schedule and any applicable fees before signing. Apply for a Cash 4 You installment loan and choose a repayment option available under your loan agreement.
Tune in next time as we look at six more ways to repair a low credit score. Until then, thank you for reading!
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