Looking for Quick Payday Loans Without Faxing in Canada? Apply and get short term cash loan up to $1000.

 
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Online payday loans for Canadians offers quick and affordable cash advances with high approval rate through out Canada, select your province / territory to check the availability of cash lenders in your area to apply for a loan you deserve and to receive fast cash direct into your bank account!
This secure application is provided by T3Leads, please remember; payday loan is a "high cost short term credit". Warning: Late repayment can cause you serious money problems. eLoanCanada.com is not a lender and or consultant but an information site that offers resources and news about financial products and services available in the market - affiliate disclosure.

Tag: Canadian Citizen

How To Rebuild Your Credit History In Canada

Looking to improve your credit rating after having bad credit situation due to poor payment history or else, previous insolvency, bankruptcy or consumer proposal. Remember, there is no any quick fix but you can get back on track if you follow the right path. In your situation, the best solution is a prepaid credit cards or a secured credit card that are the easiest to obtain. It can help you to establish or rebuild your credit history, and let you access to credit when you need it.

If you’re a new to Canada having no credit history or if you’re a Canadian citizen trying to rebuild your credit rating for your ruined credit history, it’s not always easy to get approved for a credit card, where secured credit card is an easy to get credit card in all kinds of credit ratings and financial difficulties and its the one you need it to establish or rebuild your credit history. There are plenty of secured credit cards from various banks and non-banking financial companies that are being offered in the Canadian market today. You should be smart in selecting a good secured card as secured credit cards usually require processing charges, application fees and annual fees  where regular credit cards don’t.

Here’s an article that specially selected to reproduce it here from Financial Consumer Agency of Canada to help website visitors looking to get an authentic answer from a reliable source on; how to rebuild your credit history?

Rebuilding Your Credit

Even if you have made money mistakes in the past, you can rebuild your credit history and become a borrower in good standing. It is important to have a good credit history if you want to borrow money. The better your credit report and score, the better the terms of your loans and credit will be (e.g. lower interest rates).

However, you have harmed your credit history and score if:

  • you did not pay at least the minimum balance on your debts
  • you made late payments
  • you went over your credit limit
  • you missed one or several payments
  • you stopped making payments altogether
  • you have too much credit and you use it
  • your debt was referred to collection
  • you made a consumer proposal
  • you declared bankruptcy.

A bad credit report and score can mean you do not get approved for a loan, or you do not receive the best loan terms (e.g. higher interest rate).

How to rebuild your credit history

  1. Apply for a secured credit card. Secured credit cards require you to leave a deposit with the credit card issuer as a guarantee. The deposit is usually equivalent to the card limit, but can be higher. For instance, if you want a limit of $500, you may be asked to leave a deposit of $500. Once you’ve shown that you pay the balance regularly and have built a payment history, you can ask that the security requirement be dropped and that the deposit be returned.
  2. Make at least the minimum payment by the due date. If you cannot pay off your balance in full each month, make at least the minimum payment on each of your debts on time. Late payments will count against you and negatively impact your credit score and credit report.
  3. Do not apply for too many credit and loan products. Having too much credit can also negatively affect your credit report. Keep your available credit at a minimum. Do not fill in too many applications for credit and loans because every time you do, your credit history is checked. Each credit check can affect your credit score.
  4. Review your statements. When you are in debt, avoiding your monthly statements may cost you. Mistakes happen and you only have a limited time to correct them. Always review your statements to make sure there are no transactions charged in error and that your payments are recorded correctly. Report any mistakes as soon as possible.
  5. Check your credit report annually. You are entitled to receive a free copy of your credit report annually from each of Canada’s two credit rating agencies, Equifax and TransUnion. Check your credit report annually for errors and get them corrected as soon as possible.

Prepaid cards do not help you build credit. You may choose to use a prepaid card as a payment option, but its use is not tracked by the credit rating agencies.

Productive Suggestion: Use credit responsibly

“There are no quick fixes to repairing your credit history. You have to prove you are a responsible borrower to lenders, and that may take time. Whether you are rebuilding your credit history, or trying to maintain a good credit score, you should always use credit responsibly.”

Alternate to secured credit cards to rebuild your credit history

How to repair your credit in Canada or rebuild your history? In the past secure credit card is the only option available but now Canadian market is offering another innovative alternate to establish, and or rebuild your credit history is a Credit Repair Loan that also works in bankruptcy and consumer proposal issues beside don’t overburden their customers in relation to high interest rate secured credit cards that ask for the cash “upfront” at the time you receive your credit card. As many of such consumers trying to rebuild their credit may have a difficult time doing so.

Related:


Best Places To Live In Canada For Families To Get Child And Family Benefits

When it comes to taking advantage of the Canada Child Tax Benefits and other tax savings that involve your children, where you reside in Canada can mean more money benefits and savings for you and your family.

Canada Child Tax Benefit

The Canada Child Tax Benefit (CCTB) is a tax-free monthly payment available to be made to the eligible Canadian families to help with the cost of raising children under the age of 18 years. The Canada Child Tax Benefit can incorporate the National Child Benefit Supplement (NCBS), a monthly benefit for low-income families with children, and the Child Disability Benefit (CDB), a monthly benefit for families caring for children with severe and prolonged mental or physical impairments.

Canadian child tax benefits are available to all the provinces and territories in Canada that is usually issued on the 20th day of each month, and one week earlier in December, if you are looking for more information and how to get Canada Child Tax Benefit, you are advised to go directly to Canada Revenue Agency by mail or website. How much will I receive? Your eligibility amount for the Canada Child Tax Benefit is calculated in accordance with the information provided on the Income Tax and Benefit Returns, but also can be changed or adjusted during the year in case of any change in the family size or marital status.

According to CCTB Eligibility Criteria, Applicant must be, or his/her spouse or common-law partner that is; a Canadian citizen, a permanent resident, a protected person or a temporary resident who has lived in Canada for the previous 18 months and must be the primary caregivers of a child under the age of 18 beside other criteria may apply. It offers Automated Benefits Application service which is quick, easy and secure and work for the all kind of child benefit programs for your newborn.

These are some of the best places to live in Canada for families to get more Provincial and Territories benefits that are being offered to families in relation to their children.

Expecting Parents Benefits

Québec is the best place in Canada for becoming new parents, where Manitoba offers a monthly prenatal benefit during pregnancy that provides newly becoming parents with less than $32,000 in income. The monthly amounts that expecting parents received from the Régie des rentes du Québec is the highest among other Canadian provinces, its on top of the national child tax benefit, where as the single parents receive extra benefits.

Child Adoption Benefits

If you are looking to adopt a child in Canada, Alberta, British Columbia, Ontario, Newfoundland and Yukon are the best places in Canada for child adoption because these all the provinces offer provincial adoption expense tax credits.

Studious Children Benefits

Ontario is the best place to take the tax advantages on children education, it’s the only province that allows more than a $5000 provincial tuition transfer to a spouse that may be a your parent, a common law partner, a grandparent or your spouse or common law partner. In the year 2011 it offers $6184 maximum provincial tuition transfer in Ontario.

Children Sports Benefits

If you are planning to raise a future hockey star, Manitoba, Yukon, Ontario, Saskatchewan and Nova Scotia are the best places in Canada that offer provincial credits for children in the games and sports program like:

  • Child Fitness Credit is offered in Manitoba and Yukon
  • Children Tax Credit also known as the Healthy Living Tax Credit is being offered by Nova Scotia to facilitate Sport and Recreational Expenses for children.
  • Ontario offers the Children Activity Tax Credit that includes various types of activities that are best for the children where also every child enjoys participating in like arts, music, language, interpersonal and intellectual skills, tutoring and nature.
  • Saskatchewan offers a great opportunity named as the Active Families Benefit that includes cultural and multicultural activities in the arts and the heritage.

The Canadian Government offers great variety of provincial, territorial and national child and family benefits programs that you can find out about these newborn baby bonus and benefit programs and services on Canada Revenue Agency website online along the automated benefits application that contribute to the economic and social well-being of Canadians.


Immigration Loans Program For New and Recent Immigrant to Canada

Immigration Loans Program helping new Canadians to pay for training and certification costs to help find skill relevant work in their profession or trade! Discover about financial assistance and loans available for new and recent immigrant to Canada.Discover financial assistance and loans including personal loan and mortgage products designed for you:

Canada welcomes thousands of new immigrants every year and Government of Canada along with various financial institutions is ready to help you make the change. As a newcomer, you are definitely feeling burden and facing financial challenging environment; your primary goal is to get control of your money to become successful part of the new community, establish your family while stay in touch with your home land to feel informed and secure. eLoan Canada has gathered some important information here about Canada immigration loans program for new and recent immigrant to Canada, to help make your transition a little easier.

It’s a common myth that if you are a new Canadian and have not attained a status of a Canadian Citizen; you do not have right and qualify for financial assistance and loans like mortgage loan, personal loan, car loan, business loan, credit cards and or other credit facilities. The good news is that every landed immigrant can get financial assistance and loans to improve job skills and obtain the credentials to work in Canada, besides applying for other loans that facilitate life for smoother operation and confidence if you can afford, you may apply without any credit history.

There are several loan programs from Government and private sectors are available for new Canadian that will assist you to prepare for the job market and after getting a job and start earning. Beside federal loans programs there are variety of provincial loans that you can apply too, in case you need small business loan to start a new business or purchase an existing one, you can check your possibility with the province and territory where you reside.

According to the Conservative Leader Stephen Harper (2009 report of the House of Commons Citizenship and Immigration committee);

“Federal loan program targets all those new immigrants, who may not have the credit history to qualify for a private loans in the programs they need to get in, some of these programs can cost up to $25,000, may not qualify for support under existing programs such as Canada Student Loans Program and the Immigration Transportation Loans Program. He further states; the small investment in the future of new Canadians will strengthen the future of our economy for all the Canadians.”

According to Citizenship and Immigration Canada (CIC), The Immigration Loans Program provides refugees and protected persons with loans to cover the costs of medical examinations conducted abroad, transportation to Canada, travel documents, housing rental, telephone service deposits and the purchase of work tools, etc., on an easy to follow credit process, for more information and general enquiry you may call on the phone number: 1 888-242-2100

Getting for a mortgage loan is a dream of every individual; you will find various lenders offer mortgage products specifically tailored to the needs of new immigrant and or even non-landed immigrants. While most financial institutions traditionally have insisted that new immigrants provide a down payment of at least 20% to 35%, there are now lenders who offer qualifying new immigrants or those who have been transferred to Canada by an employer, mortgages which feature a much lower down payment.

When we talk specially about no credit check personal loans, most of the short term loan lenders in Canada like payday loans want to push their product in today’s online environment, please don’t accept these types of quick cash loans because it may be possible, you don’t afford it in relation to your uncertain earning or job, if so. Otherwise there is a recently launched GIC investment loan is getting popularly among people looking for personal loans for immigrants in Canada, it may be an ideal solution for all those Canadians who have not build their credit history as a new Canadian immigrants, and looking for some productive financing that will help them to build credit beside receiving a GIC savings account ensures better financial future. You can start building your credit profile that will help you in getting any type of loan or credit facility from best lenders and banks on best rates you need in future. On the other hand, GIC investment loan also help those people who need credit repair loans in Canada to combat their debt problems and bad credit history, it will help in rebuilding good credit history by improving credit score.

The primary purpose of writing on the subject of immigration loan program is to enhance a confidence level of all those individual seeking Canadian immigration and want to find out how their foreign education and job training will help them in Canadian market and what if they require financial help to cover the cost of any additional training and certification to get skill relevant work in their profession or trade, where immigrant loan program provides access to loans for such new Canadians. Moreover, if you are planning to settle in Canada but felt a great concern on the personal financial issue, you may consult with the Citizenship and Immigration Canada (CIC) and ServiceCanada about the credit possibilities with the Canada immigration loans program that may fit your own situation prior to the arrival, you are also advised to check online through province, and or territory’s website of your residence about provincial and territorial financial programs for newcomers and if you are a recent immigrant to Canada, contact loan and mortgage consultant near you to get advice on how you may qualify for financial assistance and loans aimed at new and recent immigrant to Canada. Above all, you will also meet lot of new immigrant enjoying credit facilities, like car loan, personal loan, student loan, mortgage, and credit cards products, ask them personally to get a practical and authentic information and solution.


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