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What Are the Alternatives to Payday Loans?

payday loan alternatives

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 t... Continue reading

Tags:  Loans,  Personal Loan

How the 50/20/30 Budget Rule Could Help You Save

rules for budgeting

More than 1 in 3 people in Australia live from paycheck to paycheck, according to UBank research. If you feel like there's never any money left at the end of the month, the 50/20/30 budgeting rule could help you to take better control of your finances. This rule of thumb was popularised by Elizabet... Continue reading

Tags:  Budgeting,  Debt Advice,  Debt Management Tips,  Personal Loan

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

getting a loan on bad 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. Wha... Continue reading

Tags:  Credit Card Debt,  Debt Management Tips,  Debt Stress,  Financial Plan,  Loans,  Personal Debt Management,  Personal Loan,  Wealth Management

Should I Take Out a Loan to Pay Off My Credit Card?

Should I Take Out a Loan to Pay Off My Credit Card

Australians owe around $45 billion in total credit card debt. Many people are trapped in a vicious cycle of debt with cards charging interest as high as 20%. If you're struggling under the weight of debt, paying off your credit card with a personal loan at lower interest could leave you better off,... Continue reading

Tags:  Credit Card Debt,  Debt Relief,  Personal Debt Management,  Personal Loan

Will Bankruptcy Clear All My Debts?

what does bankruptcy mean

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 bankru... Continue reading

Tags:  Bad Debt,  Bankruptcy,  Car Loan,  Credit Card Debt,  Home Loan,  Loans,  Personal Loan

Credit Card vs. Personal Loan: Which Is More Affordable?

credit card or personal loan

Whether it's paying for a holiday or Christmas gifts, Aussies are prone to reach for their credit cards when they need some extra cash. According to data from the Reserve Bank of Australia and Finder.com.au, the nation spent a total of $29.7 billion on credit cards in December 2018 alone, or $1,863... Continue reading

Tags:  Credit Card Debt,  Debt Management Tips,  Personal Debt Management,  Personal Loan

How to Cope with Record Household Debt

household debt

While many developed countries have seen debt levels declining in the decade since the global financial crisis, Australia's personal debt is today among the highest in the world compared to GDP. According to the latest OECD data for 2016, Australians owe a combined $2 trillion of personal debt, wit... Continue reading

Tags:  Home Loan,  Mortgate Repayment,  Mortgate Stress,  Personal Debt Management,  Personal Loan

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 rep... Continue reading

Tags:  Car Loan,  Loans,  Personal Loan

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