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Debt Tips

The Ins and Outs of Getting Personal Loans With Bad Credit.

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If you have bad credit and need a personal loan, then you may be exploring your options. Even if you do have a bad credit score, it is still possible for a lender to approve you for a personal loan. However, you may be subject to strict borrowing terms. For example, you usually pay higher interest .....
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Category: Debt Tips

Tags: Credit Card Debt, Loans, Personal Loan

Avoiding the Debt Hangover: How to Plan Your Finances for the New Year.

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The Christmas and holiday period is the perfect time to relax and unwind, spend quality time with friends, family and loved ones, and even travel to exciting destinations. Although a worthwhile way to simmer down after a busy year, the financial burden of planning and executing your holiday activit.....
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Category: Debt Tips

The Pros and Cons of Afterpay Plus.

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Buy now, pay later (BNPL) lender Afterpay has soft-launched a new monthly subscription service called Afterpay Plus. It allows customers to split up their Google Pay, Apple Pay, or Samsung Pay purchases into four instalments — even for non-Afterpay affiliated online and in-store retailers. Financia.....
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Category: Debt Tips

Top 6 Tips to Improve and Maintain Your Credit Score.

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There are good reasons to aspire for a high credit score. It can increase the odds of a lender approving you for a loan or line of credit. You may even acquire more favourable borrowing terms, such as a lower interest rate. Why? Because, through the eyes of a lender, a high credit score equates to .....
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Category: Debt Tips

5 Common Myths About Bad Credit Car Loans .

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Whether you plan on buying a new or used car, saving up for a new set of wheels can be challenging. That’s why around 14 percent of Australians have a car loan. But for people with bad credit, applying for a car loan can be risky. Why? For one, they are more likely to be rejected by lenders, which,.....
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Category: Debt Management, Debt Tips

Tags: Loans

Navigating the Debt Consolidation Loan Application Process With Bad Credit .

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Repaying multiple debts at once can be stressful, especially if bad credit is limiting your debt relief options. One of these options is a debt consolidation loan, which typically involves you taking out a personal loan, using the extra funds to wipe your debts clean, and gradually paying off the n.....
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Category: Debt Consolidation, Debt Tips

How to Improve Your Credit Score Before Applying for a Debt Consolidation Loan.

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Before you apply for a debt consolidation loan, it is a good idea to review your credit score first. This will help give you an idea as to how likely you are to be approved for a debt consolidation loan, the interest rates, and how favourable the terms of the debt agreement will be to you. If you.....
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Category: Debt Consolidation, Debt Tips

What Are the Advantages and Disadvantages of a Debt Management Plan?.

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A debt management plan can be an effective way to gradually repay your unsecured debts to multiple creditors. By talking to a debt management consultant, they can help you: Assess your ability to repay, negotiate with creditors, and combine multiple debts into one monthly repayment. Also, they may.....
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Category: Debt Tips

How to pay off credit cards to lower your debt.

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Bottom Line: The best first step to getting back in control of your finances is putting together a plan. Some strategies to get you on top of credit card debt include paying your card on time, planning to pay higher than the minimum, not adding to your existing debt and cutting back on the number o.....
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Category: Debt Tips

5 Tips to Get a Car Loan With Bad Credit.

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Buying a new or used car is a great way to get where you need to be without the hassle of dealing with public transport. However, this level of convenience can be hard to obtain if you are short on cash or have a lower than ideal credit score. While a poor credit score won’t stop you entirely from .....
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Category: Debt Tips