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Debt Stress

Can I Get a Loan with Bad Credit or No Credit?

Can I Get a Loan with Bad Credit or No Credit?

If you've got a low credit score, or you haven't built any credit, this can limit your options if you need to borrow money. Improving your credit score will improve your prospects, but this takes time. If you need money more urgently, you can compare non-conforming loans to find the best deal. What is bad credit? Your credit score is a number that tells lenders how likely you are to repay money y..... Read more

Category: Credit Card Debt

What Happens to Debts After Death?

What Happens to Debts After Death?

No one likes to think about their own death or that of a loved one, but taking steps to improve your financial situation today could prevent unnecessary stress for your family during a difficult time. Family members are not usually responsible for paying someone else's debt, unless they are co-borrowers or signed a guarantee. Dying with debt could also affect someone's estate and how much is left ..... Read more

Category: Debt Management

Can a Balance Transfer Credit Card Get Me Out of Debt?

Can a Balance Transfer Credit Card Get Me Out of Debt?

One in six Australians struggles with credit card debt, according to ASIC figures. People who miss their monthly payments can find themselves trapped in a spiral of debt with exorbitant fees and interest rates often as high as 20%. If you're burdened by credit card debt, you should compare options to help lower your interest rate and make your monthly payments more affordable. One of the most eff..... Read more

Category: Credit Card Debt

Should You Buy a Car When You're in Debt?

Should You Buy a Car When You're in Debt?

If you're already in debt, adding a car loan to the pile could create problems if it means you might struggle to meet all your monthly payments on time. But sometimes, there's no avoiding it. Here are questions to ask yourself and steps you should take before making the big decision. Do you really need a car? If you live somewhere that's well served by public transport, you should consider whethe..... Read more

Category: Debt Management

5 Excuses That Keep People in Debt

5 Excuses That Keep People in Debt

From mortgages and credit cards to student loans, nearly all Australians are in debt at some time in their lives, but it doesn't have to stay that way. While there can be many factors keeping you in the red, sometimes a change of attitude and adjusting your priorities can go a long way towards getting out of debt. Here are five common excuses that trap people in the debt cycle for longer. 1. "I'm ..... Read more

Category: Debt Help, Debt Tips

Payday Loan Machines Target Australia's Most Vulnerable Communities

Payday Loan Machines Target Australia's Most Vulnerable Communities

Despite the ongoing controversy around payday loans, lenders are continuing to find new ways to make short-term, high-interest loans more accessible to borrowers in need. Their latest strategy is automatic loan machines popping up in shopping centres in some of New South Wales' most impoverished suburbs. Like other types of payday loans, these 'loan ATMs' offer short-term loans up to $1000 that m..... Read more

Category: Debt Management