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Tag: Bad Credit Loan

Bad Credit Loan Is Not A Loan But A Situation

Once I was working online on my financial portal, my neighbor’s kid come up to see me and when he observed I am busy, he placed himself with me silently watching what I am doing. After a while his developed curiosity pushed him to break the silence as he was looking on the screen that were showing commercials of bad credit loan, what he asked make me surprised a lot because I was not expecting such an intelligent question from at least a junior school kid;

“I know about variety of loans and credit instruments like mortgage, car loans, personal loans, home repair loans and credit cards because my parents have got these all and I usually heard their conversation every month while making our home budget that holds payments for these loans but I don’t know about the bad credit loan. What kind of loan is this and can my parents take it?”

I was thinking we are living in a highly advanced society that have a great impact of such financial instruments but most of the people think best to discuss with the teens; Although knowledge of loans, mortgages and other credit types are not meant for the young people being as a hard subject, but at least high school students should get the primary knowledge about what it means to borrow. Moreover, we should not wait for the time that our kids get these kind of information from their school but financial literacy should start at home with our kids as soon as it’s possible with an intension to build responsibility, confidence and power of good decision making, and when they start asking you questions on this financial subject, don’t hesitate because it’s a right time to begin.

Anyway, I replied him bad credit loan is not such kind of any loan product that can fit into any specific category offered by banks and other non-banking institutes because it’s a situation that can turn individual or business from good credit into bad credit rating and these people when require some kind of loans, say if it’s a personal loan then they can’t get the loan from personal loan lenders but from those lenders who offer bad credit personal loans. Do you know your parents are enjoying their loans and credit facilities on best rates and terms because of their good credit history that they have achieved through their regular timely payments without a break or delay? Let’s say your father have got a car financing that require monthly payment towards the car dealer or lender until its completely paid off, if he doesn’t pay his liability in form of monthly loan payments on time and don’t keep up with the regular payment schedule, his credit score will drop, in this kind of situation if he needs another type of loan then he will have to apply that loan to the specific lender that accept bad credit applications. That’s the reason if your credit history has turned into bad credit because of your negligence or have been lost your job and, or you can’t afford to pay off your liabilities on your existing loans then there is an only way to apply for your next credit that you need a lot to survive your life is bad credit loan. He was listening me very carefully and I was expecting another question that may have definitely build up in his mind; if we can get loan with bad credit and good credit history both then why should we care about responsible lending? As he didn’t find words to put another question because it may be a lengthy topic for that age but my responsibility is compelling me to tell him at least what’s good and what’s bad. So I added bad credit loans taken for any reason that may be car loan, home loan, credit cards or else are expensive kind of loans beside these loans are hard to get and; would you tell me if your parents credit history turns into bad credit one then what happens if they want any kind of credit after and while I was just paused myself he replied me an intelligent answer that everyone will definitely enjoy here, in his own words, he said “they will fight while making their home budget”, and this was an excellent answer that make him a genius among other junior school kids. As it were not completely understood by this young fellow but he knew his parents will get hard feelings because they have to spend more money to adjust their previously tight budget.

This was an interesting conversation between an adult and kid but completely different in form of discussing especially interesting topics of kids in which they usually don’t stop asking questions and it make environment so funny when an adult want to escape out from a situation, anyway but one thing that admire me about my neighbour’s kid, he is so concerned with the financial affairs of his parents that he want to do something that help them releasing their pressure.


Where Can I Get A Loan With Bad Credit In Canada That Help Me In Fixing Credit While My Savings Grow?

Get guaranteed bad credit loans Canada through credit repair loan that will help you in fixing credit beside your savings grow. Rebuild your credit with no or bad credit in Canada. Re-establish credit from bankruptcy and consumer proposal.Today there are thousands of people in Canada who are suffering with poor credit situations and desperately searching online for bad credit loans Canada in a hope to get loan on best rates and terms. Most of the online lenders deal in high rates short terms loans that clearly means borrower can end up asking for a very bad credit loan after one in case he/she doesn’t afford it on first place. Although in such situation, secured loan option mostly works but for those who have some assets to pledge.

Your credit history is the major factor that determines not even interest rates but approval of your loan. A good credit rating is required to obtain lenders best rates for mortgage loans, personal loans, credit cards and other kinds of credit facilities. There is a significant difference between no credit history, also known as an un-established credit and bad credit history, but when applying for a loan, most of the lenders adversely treats both of these credit situations nearly same way. That’s why it’s important for all the borrowers to establish their creditability first before applying for loans and if you are suffering from bad credit situation then you have to re-establish your credit rating by fixing bad credit and improving your credit score. Can I get a loan with bad credit in Canada that helps me in fixing credit while my savings grow? Yes, through GIC Investment Loan, it offers value added options to people looking for bad credit loan in Canada; you can get a loan with bad credit through Credit Repair Loans that can turn your bad credit situation into good one while fixing credit and building up a savings account for you to secure your future.

Comparing available bad credit repair Canada options with the GIC Investment Loan that may help an individual in establishing and fixing credit:

As there are various types of financial help available in the market today that can fix your credit and prepare you to get bad credit loan Canada, but the most famous and widely used way to repair credit that people have been taken in the past is a secured credit card, it can help you in fixing credit and can remove your bad credit history to obtain a best rate loans in future but most of these cards holds high rates and demand cash “upfront” before receiving a secured credit card for you.

Can I get a loan with bad credit in Canada that helps me in fixing bad credit while my savings grow through secured credit cards? No, although a secured credit card can help rebuild bad credit but it will not provide you bad credit loan, in the past one of the only options to rebuild your credit was getting a secure credit card, what it basically do; it help you in demonstrating your perfect repayment history to all the major credit bureaus by involving your money and efforts with its assistance to work on at least two or more accounts for a certain time that may take two years or so. There are variety of financial institutes offering secured credit cards that you can easily get and use them to do the job like Home Trust’s , TD’s or else. But when we look at the reality of a bad credit borrower’s financial situation it felt that applying for a secured credit card to re-establish, re-build or repair credit profile seems to be another burden because these cards typically charge high interest rate and fees as they are secured and also require the borrower to come up with the cash “upfront” before receiving a credit card. Although, it will improve your credit score to obtain a loan but on high initial expenses that you have to wait and watch to come up with a status where you can apply for lenders fast approval on best rates in Canada.

GIC Investment Loans (Credit Repair Loans)

What is a GIC investment loan? Also known as GIC loan, GIC savings loan or Credit Repair loans! It’s a new concept of financial relief that has been introduced by LendIt Financial through GIC investment loan or best described as a credit repair loans, although it’s not a credit repair company but helping Canadians to build better financial future, what it asks borrowers to pay fix amount of regular and affordable monthly payments against its credit facility, these payments are then reported to the credit bureaus to help you in building and maintaining your perfect repayment history; if you follow, you will observe a noticeable improvement in your credit score in short span of time. Invest your loan in a secure GIC (Guaranteed Investment Certificate) today! No problem, if you have little or no credit, bad credit or even very bad credit history and or past critical issues like bankruptcy or a consumer proposal, it allows you to jumpstart your financial savings, earn interest on your investment while fixing and re-establishing your credit.

Can I get a loan with bad credit in Canada that helps me in fixing bad credit while my savings grow through GIC Investment Loans or credit repair loans? Yes, it not even provides loan for people with bad credit in Canada but also help fixing bad credit score with an intension to prepare such group of needy consumers either having new or critical credit history to apply and get best rates for all types of future financial credit requirements and loans like personal loan, home loan, car finance, credit cards, and other.

How Lendit GIC Investment Loan Works

  • Your loan is automatically invested into a GIC in your name.
  • Your investment is insured by the CDIC to keep your money safe.
  • Your repayment history is reported to credit bureaus to help building your credit rating.
  • Your loan interest rates are only 12.99% per annum, much lower than secured credit cards or bad credit card loans available in the market.
  • Your loan is offered with three options to fit your budget: $2,300, $3,200 or $5,500.
  • Your loan permits you to access cash during the term of your loan that based on the equity you’ve built up in your GIC.
  • You get full access to your GIC plus interest at the end of the loan term.
  • Moreover, Lendit GIC Loans are available even if you have not been discharged from bankruptcy or are still making payments under a consumer proposal.
“Based on your financial goals, you can choose a loan that’s right for your goals; save for a vacation, education, payoff debt, or put a down payment on a home. Lendit’s GIC Investment Loans currently offer, Credit Brite Loan for $2,300 on 3 years term, Credit Brite Loan Plus for $3,200 on 3 years term and Credit Brite Home Loan for $5,500 on 5 years term on affordable fixed monthly payments on amortization basis (GIC principal + interest you’ve earned during the term) to help you jumpstart your savings plan while you re-establish your credit history in a financially safe way.” It’s simple and easy to apply online and your approval can be obtained within 24 hours. For more information, terms & conditions and guidance you should visit the official website.Get LendIt Financial Credit Repair Loan Also Known As GIC Loan, GIC Investment Loan and Saving Loan, Helping Canadians build a better financial future.

Lendit Financial review has been written with an intention to help those individual require bad credit loans but facing no credit or poor credit situation. Where it not even provides affordable savings loan to borrowers having any type of credit history but also help them to establish and maintain their credit through the successful repayment of their loan. Fixing bad credit or establishing new credit will definitely improve creditability of an individual to enjoy all the future benefits as a good credit holder. Where providing comparison with the other credit repair Canada options available in the market today, is to highlight those special features that make it unique with the rest of others in the row. Either you may not have any credit history and looking for no credit loans like a new Canadian or may have been suffering from negative credit rating even like bankruptcy, and or making payments under your consumer proposal. This financial product can help you in providing you with reasonable loan amount for 3 to 5 years terms on affordable fixed monthly payments beside opening up a GIC investment account on your name will enhance your personal financial creditability to enjoy better financial future. You can get a loan with bad credit in Canada from Lendit Financial that will help you in fixing credit while your savings grow!


2 Ways To Get Guaranteed Approval Bad Credit Personal Loans From High Risk Lenders

Bad credit loan applicants often feel hopeless in obtaining a personal loan because banks and lending companies usually reject their loan applications, leaving bad credit borrowers to adopt an easy, short term and costly borrowing option like payday loans and cash advances. Most of such borrowers views that they cant get financed according to there financial aid requirements like decent amount, best rates, easy terms and conditions while having such poor credit score although credit rating plays a vital role in obtaining a loan but it doesn’t make it an exclusive decisive factors, getting a personal loan is still possible while adopting the right approach and assistance.

Is it impossible to get a bad credit personal loan? No, it may be hard but not impossible! There are indeed ways to go through with your credit success but it holds a matter of knowing how to approach lenders and where to look for a personal loan.

Due to past few years of economic crises that have changed lot of things, behavior and trend, if it has increased number of bad credit borrowers then it also has made this lending business more competitive and hard to survive that has pushed more and more lenders to adopt sub-prime lending to survive there business with the logical trend. Now more and more lenders are willing to offer bad credit loans, bad credit car loans, bad credit home loans, bad credit personal loans, debt consolidation and etc., on easy to follow process, formalities, terms and rates, as long as you obey there prescribed polices, rules and their requirement.

What bring lenders to approve bad credit loans? Most of the people think poor credit score is the main and the only decisive factor for lenders, although having a good credit score would really improve your chances for getting success with the best rates loan application, but there are two major things that bad credit lenders need to secure there investment, one is repayment ability of borrowers and other is there investment security.

Following are just 2 easy ways to get guaranteed approval from those high risk lenders that offer bad credit personal loans:

  1. Prove your loan repayment ability! To prove your repayment ability with the bad credit loan lenders, you need to be currently employed and/or earning monthly income. Even if your credit rating is most favorable but as a bad credit borrowers your financial statement unable to show an adequate balance after deducting your regular expenses to service the loan then your loan application would even get denied, so your repayment ability has a greater value than your credit score.
  2. Lenders want the loan security! What those high risk loan lenders want? They want to offer secured personal loans, its there financial security, provide them. As you know poor credit personal loans are available globally today because lenders have accepted the fact about growing number of people falling in the trap of bad credit that they cannot do without doing business with these people, that’s why today borrowers can get financed for their bad credit loans in Canada, UK, Australia, US and other countries on high interest rates, its a universal finance market working practice but if you provide the lender with some sort of security then the interest rate will be definitely decrease beside it greatly improve the chances of getting your bad credit loan request approved. This type of asset based lending through collateral that may be your vehicle, real estate, home equity in case of a mortgage, gold, bonds or else also increases possibility to get higher loan amounts. Your security against the loan

Bad credit score becomes irrelevant if the person shows its repayment ability and convince the lender to keep some asset as collateral. These are just 2 easy, simple and ultimate ways to get guaranteed approval for bad credit personal loans from high risk lenders online. This will assure the lender that the loan would not be defaulted while borrower knows that he/she will have to lose the asset in case of defaults if occurs on the loan, on the other hand its an ideal and a win win situation for both the parties enjoying this happy financial transaction. This also doesn’t mean that unsecured bad credit personal loans are not available to bad credit borrowers, online market provides a great megnitude through its simple, handy but huge platform that covers assorted resources which you have to search about what you have been looking for, it may take a little effort of yours to reach one best solution that fits your financial goals.

You may also recommended to read these related posts:


How To Get A Personal Loan With Bad Credit In Canada But Where Are The Bad Credit Lenders

A bad credit loan is a loan given to a person or a business with a poor credit rating and getting a loan with bad credit history is not an easy task. Most of the banks and big financial institutions will not give you a loan if you have a poor credit history.

Are you looking for a loan, but you have bad credit? There are thousands of Canadians who have bad credit and are desperately looking for a bad credit loan for outstanding bills, debt consolidation, home improvements, a new or a used car financing, auto repair, medical expenses, vacations, or even a credit card. When ever they search online what theses people will be getting; millions of search results, although consumers were asking for a bad credit personal loan in Canada but resulting company wanted to offer them a short term cash advance or a payday loan even from US region too. Its only happening because in online environment most people feel comfortable in finding the way to get rid of there financial problems and the today’s major problem which most of the people are facing is shortage of money, this doesn’t mean that our income have been lowered but we have increased our expenditures. This kind of consumer’s over spending behavior have been attracting the financial companies to get the credit, and payday loan is the most attractive business that benefit both the borrowers and lenders, because borrower wants to solve his or her cash emergency situation without going into delaying process of credit history check and lender wants more returns in lesser time. That’s why there are thousand of such companies which are competing for your business with each other to be up in the search results not even in the search engines but using all the available online outlets such as social media, blogs, forums, directories and lot more.

Even if you’re desperate for money, you need to spend few hours to research potential companies you’re going to use to borrow money from those should be registered, familiar, and credible. Although a phrase like “I need a bad credit personal loan that is not a payday loan” will not help you in finding a personal loan you are looking for, then where are the bad credit lenders, who offers longer term, low rates high risk personal loans. A lot of people in such situation been thinking there are not many options available online. This can be true in some respect, since a lot of banks only deal with people who have “A” class credit rating. On the other hand, there are a lot of bad credit lenders available today but you have to find and search for them by using both online and offline resources like:

  • Your own bank: Visit your bank or financial institute you are already working and have established relationship and ask them if they have any information about those companies offering poor or bad credit personal loan.
  • Directories: you can use your local business and yellow pages directories for finding such high risk lenders that would be available free of cost at your chamber of commerce or community centers. DMoz.org is the best directory available online.
  • Social Lending: Canadian Person-to-person lending or peer to peer lending through these future P2P lenders platforms like CommunityLend, IOU Central, Prosper.com, Zopa and other have been a biggest hope among borrowers that get better rates by turning personal loans into investment opportunities for the lenders offering p2p loans Canada, its like a win win situation for the both. A borrower can apply for a loan in the amount of $1,000 to $25,000 for a term up to 3 years or so in general.

Lendit Financial offers unsecured bad credit loan in 3 sizes ranging from $2,300 to $5,500 for the term of 3 to 5 year. It’s an investment loan that is specially designed to fix bad credit, have declared bankruptcy, under consumer proposal, also works for a person without any credit profile, like first time borrower and or new immigrant. If you want to enhance your financial savings and re-establish your credit score then you should apply for a Lendit GIC Loan today – Its free to apply, safe and secure!

Beside there are lots of websites offering bad credit lenders resources through their membership programs. You have to register with them first to find there hidden resources that may include self-help personal finance resources, person to person interaction, bankruptcy and credit repair kits, solutions, bad credit lenders database and other useful resources, assistance and tools. These kinds of membership sites charge a fee that may be useful to get benefits of future updates for the lifetime without payment. CreditAxis is one of such company offering secured and unsecured bad credit personal loan and resources through its resources and directory contains bad credit lenders database, although its an American based company but have extended its financial assistance in UK and Canadian market as well. On the other hand, for all your secured personal loans with bad credit you may contact BHM Financial, its Canadian based company and offering a bad credit personal loan through a security of your automobile also called a title loan for a term of 2 years and longer.

The purpose of this post was to provide information on the subject of bad credit loan availability in Canada and asking other borrowers and consumers to provide reviews about those high risk lenders they have been known or dealt with and doesn’t offer any recommendations for such companies discussed above.


Personal Asset Based Loans and Bad Credit Personal Loans Canada

Got Bad Credit? Need a fast cash for whatever the reason?

Bad credit makes our personal finance difficult, on one side if we are trying to build up our creditability and other side new need is coming up with an only option that is not affordable rather than taking another credit, both sides need money and if I don’t pay the money to the previous loan I can not get my good credit back and without a good credit its not possible to get a further loan and if then the rates will be higher..

Personal asset based loan is a great option that could save us while fulfilling our personal loan requirement without showing our credit profile, yeah personal asset based loan needs only an asset to be backed to obtain a loan in a normal way. You will find lot of lenders who lend on your assets not on your credit profile.

A bad credit loan or personal asset based loan is a fast and easy way to arrange for financing even for your unexpected expenses when you need extra cash fast. You are not even bound to use your credit amount on specific thing; you may pay off your previous credit bills, home improvement, car repair or a dream vacation. 

A bad credit personal loans or personal asset based loans can be obtained by backing up your moveable assets (cars, trucks, boats, machinery or equipment) and immoveable assets (property, apartment, cottage, home or your office) both. Moreover, if you don’t have any assets you may also get such loan if you are in the good books of your employer with whom you have at least two years of steady job.

Personal loan has a great benefits that’s why people trust and want to get it without doubt, enjoy the same features like fixed payments, affordable terms, no money usage restrictions, no prepayment penalty, etc.,


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