Payday Loans: Do You Know What You Signed Up For?

A Payday loan is:

  • usually a small value loan taken out for a short time, typically until your next payday
  • loaned at a retail store or online
  • the most expensive consumer loan in Ontario
  • an unsecured loan (you cannot put any property as collateral or guarantee for the loan, you need to provide the lender with a post-dated cheque or a pre-authorized debit)

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7 rules for financial freedom

1) Stop using credit cards. If you have a hard time managing your money you should avoid using credit cards because you will end up doing more damage than good. Credit cards should be used for the purpose of convenience. Those who use them as a means of borrowing money will only end up hurting their credit score and furthering their debt by taking advantage of this service.

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How to Avoid Loan Sharks

If you are a consumer with bad credit and you are strapped for cash, your frustration with being unable to obtain a loan from a traditional lender may leave you with the intention of taking more desperate measures. You may even be considering taking a loan from what is commonly referred to as a “loan shark”. Since dealing with loan sharks can be detrimental to your financial future, as well as the well-being of your family, it is vital that you avoid doing so at all costs. Fortunately, there are other options available for consumers with poor credit scores.

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Cash Advances and Payday Loans – What’s the Difference?

If you need extra money, two options you might be considering are cash advances and payday loans.  The terms are often used interchangeably which can be confusing for consumers. They are both short term unsecured loans, and one may be better than the other depending on your situation. So it’s important to know the difference.

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Last Minute Christmas Gifts That Won’t Break the Bank

Last Minute Christmas Gifts That Won't Break the Bank
Last Minute Christmas Gifts That Won’t Break the Bank

When you’re looking for last minute Christmas gifts it can be very difficult not only deciding what to buy but also knowing how to pay for it. The holidays are a stressful time for many people and that is often due to having a lot of stuff on their to do list. One common hassle of the holiday season is gift shopping. Not only can you find yourself at a loss as to what to buy but also worrying about the financing of the holiday expenses as well. There is no need for concern however, the following blog post will help you with a few quick gift ideas!

Last Minute Gifts

Gifts don’t have to be extravagant. If you’re doing some last minute shopping, finding this year’s hot item may be more trouble than it’s worth. In that respect, always remember that a gift that is truly appreciated and enjoyed by the recipient is worth more than something that’s hard to find. While money is always appreciated it can be a bit impersonal as a gift. That’s why gift and store cards are so useful. It allows you to give a gift that you know won’t go to waste but also shows you care about the recipient enough to give them a card to one of their favorite stores. For a more hands on gift think accessories. An accessory gift is something that goes with things you know the recipient already owns. For the fashion minded, a scarf is a good example as are gloves. If you know a person’s style this can be an easy pair up for a gift. When it comes to gifts, thought and appreciation beats costs any day.

What To Do If You Need Money?

The end of the year is often a busy time for many families. Aside from last minute Christmas gifts, there are often personal accounts, various club memberships, vacation time, and work matters to attend to. It can be hard finding not only the time to look for last minute Christmas gifts but also the money as well.

Small private loans exist for just such a purpose. They can be as small as a few hundred dollars to as high as a few thousand, depending on your needs. However, many banks aren’t in the business of giving out small loans that you can quickly pay off. This is doubly so if you have bad credit or a low credit score. But businesses do exist to help those with low credit ratings who require a loan. Companies like Fast Access can get you the small loan you need with a minimum of hassle or paperwork. Plus, you can often have your money sent to your bank account within a day, allowing you the time needed to shop for last minute Christmas gifts.

When You Need a Loan

When you need a small personal loan for the holidays, you need a company who understands your unique situation. Fast Access Finance can help people with low credit scores get the cash they need. Feel free to contact us today and start the loan process. Within 24 hours you’ll have the money you need for last minute Christmas gifts.