Bad Credit Loans Blog

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Tips for Getting a Bad Credit Loan

  Getting bad credit loans is not impossible, but it can be difficult, to some degree, if you have an “interesting” credit history. Many lenders can accept your request for a loan under some restrictions. But some people are flat-out refused due to their poor credit history. In today’s article, we will talk about bad credit loans and how to get them. We will present a couple of methods that will improve your odds of getting your request accepted.   Why Do You Need a Bad Credit Loan? Bad credit loans can be taken for personal use, for your car, […]

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5 Ways to Find Out What Type of House You Can Afford

If you’ve made your decision and you want to take the necessary steps towards home ownership, the first question that crosses your mind will be: how to find out what type of house you can afford. Fortunately, you have come where you need to be. Keep on reading to find out our tips on the topic! Analyse Your Income A decent starting point that will aid you to find out what type of house you can afford is carefully evaluating your annual income. Many financial experts assume that borrowers shouldn’t spend more than 30 percent of their gross income on […]

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Renting versus Home Ownership

At first, it may appear that house ownership is a dream come true to the majority of Australians. Nonetheless, is that really so? In fact, research informs us that the main things that people expect from their money are options and freedom. These two aspects are big factors influencing home ownership. Truth be told, this assumption has a lot to do with our culture. We tend to relate home ownership to adulthood and safety. But there is a question that follows: is it a good idea to buy a house or should you choose renting? Is It A Good Idea […]

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Changing Your Home Loan and Finding a Better Deal

Making the decision to switch home loans could save you a lot of money in the long run and provide additional features. Before taking the step, sum up all the costs that this change comes with. Although some credit providers might give you a better interest rate, the total costs of changing lenders won’t be worth it. Instead of looking around not knowing what to search for, follow these steps that will ensure you get the best deal possible. Get an Idea of The Market and Use a Key Facts Sheet Always start by using a comparison website and search […]

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5 Ways to Get a Home Loan In Spite of Your Bad Credit

You might’ve been told that bad credit eliminates your chances of getting a home loan altogether. It is true that it can stall the process, but we can teach you how to get a home loan with bad credit, or any other type of loan, for that matter. The times when you couldn’t do that belong to the past, since today, bad credit doesn’t scare anyone anymore. Let us show you how to get a home loan with bad credit. We have not 1, but 5 ways of doing it: Consider a credit repair service There are bad credit listings […]

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Finding the Right Bad Credit Loan

Bad credit loans have proved to be a good credit solution to many people that don’t qualify for a standard loan. The recession or having to deal with getting fired due to a fallen economy has taken its toll on many Australians. An unstable income leads to skipped payments that initially results in a bad credit rating and finally in major difficulties to getting a loan approved. Thus, starting a new business or affording monthly expenses takes some help in this situation. Bad credit loans will offer a lifeboat when times get rough, and you aren’t eligible for any other […]

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How to Consolidate Your Debt, Even If You Have Bad Credit

How to consolidate your debt when dealing with bad credit? Some would say “easy!” as the process is basically the same as for your regular debts. Consolidation allows you to keep track of your payments easier and reduce general costs. This can be obtained by making only one payment per month, instead of multiple different payments. Each payment usually comes with its own interest rate and fees that only add up to how much you have to pay each month. Stop wondering about “how to consolidate your debt” and check out the benefits and options you’ll have when you obtain […]

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Staying on Budget with Prepaid Credit Cards

When you think of budgets and credit cards, you probably cringe. No one wants to go further into debt while maintaining a budget. The good news is that you don’t have to go into debt. Stick to your budget with a prepaid card   Whether you’re going on vacation or doing your weekly household shopping, you can load (add cash) to a prepaid credit card. This is a perfect way to know you are fully funded with a certain amount of money. Unlike traditional credit cards, you can’t go over your limit and there is no interest charge because you […]

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Budgeting Mistakes and How to Avoid Them

Budgeting shouldn’t be too hard, right? In fact, most Australians do this regularly, and it is a technique that can have some impressive results. Still, many people are disappointed after creating a budget and give up on this idea. Generally speaking, there are a few mistakes that can lead to failure, and once you can no longer respect your budget, you may consider it useless or feel frustrated that you spend too much regularly. Budgeting Mistakes Building a budget that is too strict If you ever made this mistake, you surely remember the excitement of creating a budget, and then, […]

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Creative Budgeting – Living on Tight Budgets

Budgeting is the key to save money. How do you save? Do you spend first and save what is left or you save first and spend what is left? Do you save a portion of your monthly income? What if your income is just enough for your monthly expenses? It is time to cut your usual expenses. You may not notice it but you probably have been spending on the wrong item, or you live a lavish lifestyle. Budgeting is normally what moms do and with a little creativity they make the most out of it. Everyone can put themselves […]

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