When Is A Personal Loan Better Than Afterpay?
The recent rise of buy now pay later services such as Afterpay have changed the way in which consumers purchase a product or service. If you are one of the million customers using Afterpay, you may find yourself splurging on un-necessary handbags, holidays or haircare products to list a few. Whilst these buy now pay later services are changing the way in which customers shop, they may not be suitable for people in debt. In such cases, a personal loan may be more ideal. What is Afterpay? The concept is simple. You immediately purchase a product or pay for a […]
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 […]
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 […]
Bad Credit Personal Loans
It can happen to anyone – you have bad credit, due to problems or financial mishandling in the past and now you need to borrow some money urgently. You probably think that no one will lend it to you, but think again; that’s what bad credit personal loans are for. This is an unsecured personal loan of maximum $5000 that will be granted to you based on your present ability to pay and not based on your credit history. The basics about bad credit personal loans There are some things you need to know about bad credit personal loans. First, […]
Personal Loans versus Credit Cards
Personal loans and credit card companies continuously compete to gain more prospects. Both offer fast and low interest loans, which is why clients begin to ask which is ideal for them or which of these two options suits them best. It is a good thing that people have more choices to choose from, because one loan type does not work for everyone. People choose where they can benefit, and where they can save from interest rates. They don’t just patronize anymore as they are smarter these days. Personal Loans Personal loans come in two types – secured and unsecured. One […]
Signs You Are Growing Money-Wise
Growing up doesn’t always mean becoming an adult. There are different stages of maturing physically and mentally, people grow in their own different way. One of the most important aspects of growing or “adulthood” is financial growth and stability. Financial growth or financial adulthood is taking care of your money and spending it wisely without ending up with bad credit. What is bad credit? It happens when you constantly don’t or are unable to pay back your loans on time, resulting in a negative credit rating. When you have bad credit, money lenders such as banks, will deny your applications […]