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Loans

What Are the Alternatives to Payday Loans?

What Are the Alternatives to Payday Loans?

With consumer debt continuing to rise, more Australians are relying on payday lenders as a quick fix when they need some extra cash. These lenders offer small amount loans to people who might be refused a traditional bank loan because of their circumstances. Of course, like everything that sounds too good to be true, there is a catch. Payday loans have high interest rates, typically in the double..... Read more

Category: Loans

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

Will Bankruptcy Clear All My Debts?

Will Bankruptcy Clear All My Debts?

If you're trapped under a mountain of debt that you can't repay and being hassled by debt collectors, bankruptcy may seem like an attractive solution for wiping the slate clean. However, like any major decision, it needs to be researched carefully to make sure you know the risks. When you go bankrupt, in most cases you will be released from your debts (depending on how many dependants you have an..... Read more

Category: Bankruptcy

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

How to Get Approved for a Loan

How to Get Approved for a Loan

Whether you're applying for a mortgage or a personal loan, you need to have some assurance that your request will be approved. Not only is a loan rejection disappointing and demotivating, it could also make it harder to get approved from other lenders, as the rejection may show up on your credit report. While there's always a risk that a lender won't offer a loan on your preferred terms, you can ..... Read more

Category: Loans

2 Main Ways to Improve Your Credit Score

2 Main Ways to Improve Your Credit Score

Is your credit score not looking too great at the moment? From getting loan rejections to rejected credit card increases - the plethora of disadvantages associated with a bad credit score can often be difficult to deal with. To see how we can improve credit score, let’s first take a look at the main factors that affect your credit score. Factors That Make Up Your Credit Score Credit Scores are ma..... Read more

Category: Debt Tips