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Tag: Debt Consolidation

Linking Your Debt To Solutions

Linking Debt To SolutionsBeing in a debt is not a strange thing because involving yourself in several kind of credit has become a normal way of life today but if you don’t think about how to get rid of being in debt then it’s not a normal behavior; you should always try to think about possible solutions before taking loans and credit cards.

“I owe, I owe, it’s off to work I go”; this is a common and no nonsense personal statement that has been used for past many years. Most of the people that use this statement are saying I am in debt.

When you are in debt, you just have to start linking your debt to solutions. When you think solutions, your mind often opens up to new ideas. New ideas are a guiding that directs you to discovering your possible choices.

Your choices may include:

  • Debt management
  • Time management
  • Debt consolidation
  • Debt counseling and
  • Bankruptcy

The last option (bankruptcy) of course is something severe that you want to avoid, so start thinking about debt management.

Debt management is a structural process. You begin by evaluating your debt. Think of each item you pay for weekly. Once you create a list you commence to eliminating, some of your debt by terminates some of your expenses. For instance, if you pay weekly for cable television, you can save money by thinking of your package. If you spend $10 weekly, which amounts to $50 monthly you may have options to reduce your monthly cable bill. Perhaps you can accommodate to basic cable rather than pay full cost for all features.

Time management, with this you construct a debt management solution. Instead of focusing first on your debt, you compare the time you spend each week to progress. If you spend too much time eating out, you see that by cutting back on dining out you can save money and time.

Debt consolidation is an option, yet you want to explore each company. The goal is to reduce debt, not increase the debt you owe. Some debt consolidation companies will charge fees, hidden fees, high interest, etc to help you payoff your debt. Look for debt management solutions instead of going this route. If you see no other recourse, then check the background of each company you are considering debt consolidation.

Debt counseling is another option. Like debt consolidation options, you want to find a way to reduce debt, rather than take on additional debt. Check the background of each company to make sure it has a good reputation, certifications, license, etc to offer you debt alternatives.

Bankruptcy; as I mentioned earlier, you want to avoid this. Therefore, start linking debt to solutions to find a way to manage your money.

The best alternative is debt management. If you can set up a structural pattern, you will reduce your debt dramatically. Instead of spending time saying, “I owe, I owe, it’s off to work I go” – do something about your debt problem now.

what you need is an information; visit your local library and take out some systematic guides to relieving debt. You may also visit online store to get advice on how to get relief on your debt problem. These resources offer you great solutions that link to debt reduction.


Basic Loan Application Tips On How To Apply For Loans At Banks And Private Lenders

Your loan application is a legal document that entitles you to obtain credit facility of your choice that you have to payback including interest with the principle amount within a specified time. If you are looking to get any sort of loan like personal loan, car loan, debt consolidation, mortgage loan and else; you should know basics of dos and donts of financing before you get started. Already equipped with the basic knowledge of getting loans will don’t even help in obtaining best loan you need but save you from bad consequences. These basic loan application tips on how to apply for loans at Banks and private lenders are generally works for all kinds of loans, to find one of the best deals; you should have to follow these basic rules as follow:

Shop good around

As you are well aware of today’s market that has extended too much from offline to online, you have liberty to search more and more banks and non-banks private lenders that suits your loan requirement as a best deal. From your community banks and mortgage lenders to online lending facility, you can get chances to get their terms and rates. If looking through online, you will get plenty of lenders offering loan rates and terms that will help you to instantly compare loan rates and terms. Although you have to be very selective in choosing some from these lenders because when you ask to offer you a detailed quote on your required loan then that lender have to look at your credit report first and if you contact more lenders to get the loan quote for you then they all separately contact credit burrow to get your credit report and if more and more lenders are looking at your credit report, this will affects your credit report rating. That’s the reason its advised to mostly make general enquiries to reach one of the best lender to continue.

Don’t compare just an APR

Most of the borrowers look at APR, perhaps it’s mostly advertise by generally all the lenders. There is no doubt an APR rate and terms are important factors but you also need to know about your monthly repayments. If you are getting low APR rates from your lender, it looks like a best deal but again you have to find out about your interest rates, repayment terms and all those additional charges that will help you in getting through the loan process. You should know prior to signing your loan contract with your monthly payments; how much total interest payments you will be paying on the loan.

See how much you have protection

When taking loan, you should always try to protect yourself from incidents that can discontinue your loan payments. Determine the cost of covering up the loan process with your lender and other companies in case of you get an accident, ill or become unemployed. It’s better to ask your current employer first on what kind of such cover you are eligible for, as most of the employees generally get covered by sickness and accidents.

Avoid using collateral

Always prefer to borrow small amount of money as an unsecured loan and if you have good credit history then prefer to borrow without collateral. Although unsecured loans are high interest rates loans but are less risky in relation to secured loans because your property or home that you’re using as collateral will not make you at risk if you cannot make the payments.

Check and re-check until you understand

As loan agreements are written in legal languages beside it also highlight features in a way that can make you sign an agreement; Remember, before signing these loan agreements, check and re-check all of the loan terms including small print. Some of the lenders may put the most unfavorable clauses in the agreement in a way you might overlook. Always try to find out where you require more information and or you are unclear about the term. Most important question that you should see; what happens in case of late or miss payment, you should also know about extra penalties or any additional charges in case of early repayment.

Avoid long terms

Short terms loans are best in relation to your current financial situation that you know you can take advantage of the credit besides having satisfaction to pay it back on time. Taking long terms loans means more you have to pay back for longer period, may be risky because you can’t predict your financial situation after 10 years if taking a 10 years loan. Mortgage loans has a different kind of nature because it continuously help you build your equity in your favor over a long-term loan process but personal loans, car loans and different kinds of loans that cover expected or unexpected expenses should be taken out over the shortest period of time that you can afford.

Taking loan is always a beneficial way if you afford it and it will add up value in your life. You can get out any type of loan you need from Banks and private lenders of your choice because these loans are made for consumers. How to apply for loans at Banks and private lenders have become so simply because of the multiple options including offline and online. Basic loan application tips may help you to build confidence but your actual success will only come when you pay off your repayments on time until its completed while it also help you financially. If you are personally convinced you can afford it, you can apply to get any type of loan you need to get out.


How To Get Out Of Payday Loan Debt Is What To Consider Before Applying For A Loan

There are lots of places online where great number of people usually asks about; “how to get out of payday loan debt”, although this is a question that should always consider before applying for a loan. Nobody will go into such a miserable situation where it becomes impossible to return the loan, if borrower understands what does payday loan stands for. Payday loan is not a regular form of credit that basic financial institutes recognize and favor that’s why banks don’t deal.

Payday loan Canada is an exclusive option of getting instant cash when financial emergency arises but getting an instant payday loan also means getting into instant debt because most of the payday loan borrowers don’t usually have enough money to payoff the full loan amount at the due date. This kind of situation cost extra payments to extend the loan and such kind of debt cycle may continue till loan is not fully paid off. It may also compel some borrowers to apply another payday loan to pay off the existing payday loan that means going into an unaffordable and bigger debt cycle. Although there are some financial companies that also offer a payday loan debt consolidation but it also require another extra charges to hire such kind of debt help service. Don’t let this kind of payday loan mess ever happened to you, always try to pay off your payday loan as fast as possible.

What to Consider Before Applying For a Loan

How to get out of payday loan debt is a critical situation, you can get variety of debt relief solutions from great number of debt settlement companies working these days but it is not feasible to take it on the payday loans especially because its not feasible to take it on your short term loans, always try to avoid it. There are many factors that require considering before applying for a payday loan.

1. Do you really need a payday loan? Always borrow what you afford

Its one of a basic question that you should ask carefully because you know how much you need and how much you afford. As you know payday loans are expensive that’s why don’t exceed your borrowing in relation to your affordability that you can easily spare the funds to repay the loan on the due date until your next pay cheque. If your regular monthly income is not sufficient to pay off the loan, then you need to think prior to getting a loan about, how to arrange extra money to get rid of the loan in full and to avoid further costs and charges?

2. Have you considered other loan options? Alternatives to payday loans work great

As you know payday loans have an expensive nature that’s why it’s important to utilize other options to payday loan alternatives in getting the required cash. It may be your family members, friends or even your own employer that may help you in providing cash you need. You are advised to look into these kinds of inexpensive arrangements.

3. Is it the first time you are applying for a payday loan? If not, go with your same payday loans lender you already dealt with

If you’ve already taken out a payday loan, it’s probably best to use the same lender again! You will get more money, saving and a quick loan approval than if you were a first time applicant as you’ve successfully established your credit history with the lender already.

 4. Avoid payday loan rollovers

The payday loan process can fast and easily get complicated while making your personal debt miserable, don’t rollover your loan because payday loan lenders charge a high fees and interest on all these rolling over loans where it have been taken to extend your existing loan or pay back the first payday loan with the same lender.

How to get out of payday loan debt, is not written here in a way in which it will give you some effective ideas, ways or tips to get debt solutions for your financial problem but its written in a way in which you could understand the nature of this payday loan where it only allow you to take credit for what you can easily payout from your monthly income and if you know how to manage your short term financial liabilities efficiently this payday loan or cash advance will bring you a financial freedom for your unsecured personal loan; short term cash requirement, emergency need or what so ever for future to come.

From all of us at eLoan Canada, we wish you and your family a very happy new year and Xmas that will bring all of your wishes come to life with full social and financial support with great creditability.


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.


How To Reduce Credit Card Debt?

Credit Card Debt Reduction Requires Persistence!

Continue rising in liability needs a continue and persistence approach to drop it down where we can afford or better handle it, anyhow mounting credit card debt is a problem for many Canadians beside United States, United Kingdom, Australia and other countries of the world these days. If you find that you’ve been in a habit of using your credit card to much that increase your spending, it makes sense to look into how to limit your exposure to credit card debt, and the stress that comes along with it.  Here are some suggestions that may help you in reducing your overspending:

  • Limit your cash advances.
  • Use your grace period of your credit card payment in your favor by knowing and managing it.
  • Try to pay off credit card debt in full monthly payment to avoid high interest costs.
  • Limit your credit card usage for a specified period of time to help you reduce credit card debt.
  • Make it your habit to spend only what you can pay off in a given month.
  • Make your dollar worth more by signing up for loyalty programs.
  • Make paying off debt a priority in your financial plan.
  • If you still find that you cannot pay down your credit card debt to your satisfaction, you may wish to consider a mortgage strategy to consolidate credit card debt at a lower interest rate. Debt consolidation is an effective way of credit card debt reduction i.e. consolidating debt from high APR credit cards to a low APR one. So this credit card debt reduction measure works by reducing the rate at which your credit card debt grows.

Besides these credit card debt reduction measures, there are other methods too for credit card debt reduction like you may ask indirectly to any debt professional for the professional guideline or directly go to your current credit card supplier for help in credit card debt reduction i.e. by lowering the APR. It might work out for you because it does for some people.

Getting into debt is simple but getting out of it really a difficult task. This holds good for any kind of debt, credit card debt reduction needs planning and discipline in the way you spend money. Moreover, your credit card is a facility primarily because it helps you to not to carry cash that could not to be fallen, stolen or theft by the others and you, yourself cant do what is right for you.


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