Bad Credit Loans Blog

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Top Mistakes You Should Avoid When Getting Personal Loans

  When you’re in need of extra funds, personal loans can provide financial relief. They are often used to cover urgent, unexpected expenses or to consolidate debt. But, taking the time to choose your personal loan can pay off. On the other hand, making a rushed decision could equal havoc for your finances. That being said, today we’ll talk about the top mistakes one should avoid making when it comes to taking out personal loans. Here they are!   Borrowing Money Instead of Saving Although the alternative of personal loans is certainly reassuring, you should first establish whether you actually […]

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Tips and Tricks to Getting the Best Car Loans  

  Car loans can be acquired in a variety of places and just like any other type of loans, there are good and bad car loans. Without some investigation, people are bound to end up with a loan from the latter category. However, with a few tricks, you can easily get on the safe side. Let’s take a look at some of the things you can do to ensure you’ll get proper car loans you won’t overpay on. Check out the following list to find out how to get good car loans:   Don’t Go Straight to the Dealer It […]

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Can You Use Unsecured Loans to Buy a House?

  Mortgages are usually taken out with loans that are secured on the house itself. That’s our main financial tool when it comes to this. However, unsecured loans can be used to the same end. It is a lot more difficult to fund a house with an unsecured loan than with a secured one, for reasons that we will outline in the remainder of this article. But to answer your question first: yes, it is possible to get a mortgage with unsecured loans. The difficulty of getting them, though, is the other side of the coin.   Why Is It […]

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How to Get Bad Credit Personal Loans from Credit Unions

  Avoid the traps of these payday loans and go for bad credit personal loans. It’s saddening to see so many Australians restricted by their bad credits, but seeing the thrive of the so-called “Payday” loans makes us sick. A payday loan is simply put, a shakedown. Personal loans have small interest rates in defined periods. Meanwhile, the fees for payday loans start from about 15% annual, and the ceiling seems almost non-existent, reaching up to 400%! This means that you’d have to pay $60 for $400, and this is only if you pay on-time. Paying late leads to additional […]

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How to Cope with the Side Effects of Student Loans

There’s a pattern through which every person goes through at some point: we are born, our parents raise us, we take out a student loan to go to college, and then we work to pay it off for the rest of our lives. If not handled correctly, student loans can have a fairly nasty impact on our future. The greater the loan, the more troublesome it will be for us to pay our rent or simply lead our adult life – especially considering that many entry-level jobs don’t pay us a lot of money, to begin with. The Side Effects […]

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Overwhelmed by Your Personal Loans? Here’s What You Can Do

When thinking about life after university, most people also reflect on the necessity of financial aid if they don’t have a job lined up right away. Eventually most end up getting personal loans to deal with their everyday bills and expenses. The opportunity of following your dream does not come cheap and it’s especially inconvenient considering that the average uni student doesn’t have a job ready. So what happens if you still don’t have a job or have just minimum-wage to pay back your personal loans? Get another personal loan on top of the first one? How can we get […]

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How Can You Get a Personal Loan If You’ve Been Declared Bankrupt?

People who have been declared bankrupt can still apply for personal loans even if you think all hope is lost. The thing is while this loan can help you get through a tough financial time, you will need to be precise with your spending. You may not have much money left, and if you don’t know how to handle your finances correctly, you may end up with more debt. Personal loans can help those with bad credit scores, those who are unemployed and also those who have been declared bankrupt. Here is how you can get a personal loan if […]

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How to Secure a Mortgage with Bad Credit?

Bad credit mortgage is a type of home loan that you can get even if your credit rating is not the greatest. Of course, this kind of loan comes with some restrictions and limitations. This is to ensure the lenders or the financial institution that they are not risking with someone who has troubles paying the money back. Here are some things you can do to secure a mortgage with bad credit: Analyse Your Credit File Over two million Australians are at risk of having bad credit, and they don’t even know about it. So, if you want to apply […]

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How to Manage Rising Interest Rates?

Interest rates can be seen as something unimportant compared to debts or taxes, so why would rising interest rates interest anyone? The thing is that interest rates cannot be avoided and, at some point, they can affect you and your credit score. This is applicable when we’re talking about rising interest rates, in particular. However, you should know that this problem can be solved and we’re going to present you the ways to do this. Tips on Managing Rising Interest Rates Do some research: Usually, when it comes to such situations, the worst thing you can do is not getting […]

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How to Act in Financial Emergency? Personal Loan or Credit Card?

Personal loans vs. credit cards: which one should win? Of course, in extreme circumstances, this choice is not an easy one. It is very stressful to deal with these choices alone – so imagine if you threw an emergency in the mix. You have so many things to do: pay your debts, fix your car, fix your health or fix the air conditioner that seems to be blowing more heat than cool air. And what do all these things have in common? It’s simple: they are very expensive. What Do We Do? Ideally, we should all have an emergency fund […]

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