Private Loan Shop https://privateloanshop.ca/ Canada & USA Payday Loans Online Sun, 21 Mar 2021 17:58:56 +0000 en-US hourly 1 https://wordpress.org/?v=6.6.2 https://privateloanshop.ca/wp-content/uploads/privateloan-ICON.png Private Loan Shop https://privateloanshop.ca/ 32 32 Pay Day Loans https://privateloanshop.ca/payday-loan-canada/ Thu, 04 Mar 2021 13:49:55 +0000 https://privateloanshop.com/?p=4327 When a financial emergency arises you usually have to spend money that you weren’t expecting to spend or money that you simply just don’t have. You can try getting a bank loan, but these loans are difficult to get and take quite some time to...

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online pay day loan

When a financial emergency arises you usually have to spend money that you weren’t expecting to spend or money that you simply just don’t have. You can try getting a bank loan, but these loans are difficult to get and take quite some time to secure. Your can try asking a friend or family member for a short-term loan, but they don’t always have the money you need on hand while some just won’t trust you with repayment. The easiest and the most secure way to get a quick loan is to apply for a payday loan online.

Payday Loan Requirements.

While a payday loan may cost more than a bank loan, it is faster and easier to get than a bank loan. Bank loans require a deep investigation into your credit history and your ability to repay. Payday loans rarely check your credit history as they are only concerned with your present ability to repay your loan. What you did last year with your money doesn’t mean you can’t repay a new loan and payday lenders know this. A loan is often approved based on your monthly income and your level of honesty on the payday application. Typically, you just need to earn at least one thousand dollars a month to qualify, own a valid bank account and have a full or part time job.

How to Apply for Payday Loan.

Applying for a payday loan is also a whole lot easier than applying for a bank loan or even borrowing from friends. With a pay day loan you can apply online so you don’t need to leave your house to have money deposited into your bank account. Simply visit the lender using your cellphone, tablet or computer and fill out the online application form. Decisions are usually rendered instantly and your loan is deposited shortly afterwards.

Payback Canada Payday Loan.

Payday loan repayment works a little different than other types of loans. A bank loan usually comes with a longer repayment term with monthly, bi-weekly or weekly payments required. A cash advance is a short-term loan that requires repayment as soon as your next paycheck is issued to you, hence the term payday loan. Some lenders offer flexible payment options of up to 6 months while others have a zero tolerance policy of 7 to 14 days.

Not repaying your payday loan is extremely dangerous since these loans are accompanied by compound interest. Compound interest accumulates very quickly and lenders often send delinquent accounts to credit agencies due to how quickly the loan amount gets out of hand. Short-term loans are great for financial emergencies if you repay them on time and honor your loan contract. Otherwise things can get overwhelming if you lapse on more than one payment.

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Instant Online Loans and Utility Bills https://privateloanshop.ca/instant-online-loans/ https://privateloanshop.ca/instant-online-loans/#respond Wed, 03 Mar 2021 12:35:41 +0000 https://privateloanshop.com/?p=590 All too often people apply for instant online loans to pay off large utility bills. Specifically, excessive cell phone bills are the usual culprit. If turning off your WiFi or data signal scares the heck out of you it’s time you watch the video posted...

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All too often people apply for instant online loans to pay off large utility bills. Specifically, excessive cell phone bills are the usual culprit. If turning off your WiFi or data signal scares the heck out of you it’s time you watch the video posted below. You could save yourself quite a few dollars if you just cut back on your social media usage.

We all get caught up living virtually instead of virtuously living. We need to realize how much social media has affected our interactions…and our wallets.

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Fast Online Payday Loans https://privateloanshop.ca/fast-online-payday-loans/ Wed, 03 Mar 2021 09:05:57 +0000 https://privateloanshop.com/?p=3354 Whether you need to pay for car repairs, your credit card bill, car insurance or your rent you can rely on online payday loans to get you fast access to your paycheck in advance. Payday loans should not be used on a regular basis and...

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Whether you need to pay for car repairs, your credit card bill, car insurance or your rent you can rely on online payday loans to get you fast access to your paycheck in advance. Payday loans should not be used on a regular basis and should not be used for leisure activities such as vacations, shopping spree’s or restaurant purchases, they do come in handy when you require some immediate financial assistance. If you’re new to how payday loans work see “article title”, we suggest you pay particular attention to how to calculate APR. While online payday loans have proven to be useful for financial emergencies they come with quite a high rate of interest. It is important to note that some people experience serious financial hardships if they fail to repay their loans within a reasonable length of time. Payday loans are intended to be short-term financial assistance and its quick and convenient nature and its no credit check process makes its price tag much higher then that of bank loans. Below are just a few examples of when an online payday loan may be the right choice for you.

1. Car Repairs

If your car engine is overheating, your car won’t start or you get a flat tire and you don’t have a spare you may find yourself in need of some quick cash. Online payday loans can come in handy in these particular situations. If your car is overheating for example, you can simply use your smartphone to apply online while you wait for a tow truck. These days, most lenders have instant approval and can have money in your bank account within 30 minutes. You can also often call an online payday loan company to apply over the telephone, however, it’s safer to apply online than to give your personal information to somebody over the telephone.

2. Rent/Mortgage Payment

If you’re having trouble paying your rent on time or are short on your mortgage payment a payday loan may be necessary to keep a good standing with your bank or landlord. A payday loan, in this case, should be your last resort after asking family and friends.

3.  Medical Emergency

If you find yourself in an unfortunate medical situation and need money to buy medication or to pay for emergency surgery a payday loan is a warranted option.  You likely can’t afford to neglect your health waiting for your paycheck to arrive. When you’re sick and feeling terrible you need immediate medical attention and if you don’t have the money for procedures or medications you are at risk. It’s during these unfortunate circumstances that really makes you appreciate the existence of fast online payday loans.

 4. Car Insurance

No one wants to be cancelled from their car insurance company because it makes it difficult to find car insurance in the future. One missed payment will have you cancelled from your insurance provider and render your car unfit for the road. For this reason, if you’re having trouble paying for your car insurance payment get an online payday loan to avoid missing your payment. It is amazing how many times people are cancelled from their insurance because their paycheck was one or two days after the payment due date. If the question is whether to miss your car insurance payment or getting a payday loan the answer is clear.

Short-term loans against your pay checks should not be used for unnecessary reasons. If you can wait for your pay check to settle a bill or expense you should. Online payday loans are expensive and often have high annual percentage rates which can affect you in the case that you find yourself unable to repay your loan. A payday loan can be very useful but it’s important to use them responsibly.

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7 Reasons a Payday Loan is a Good Option. https://privateloanshop.ca/7-reasons-a-payday-loan-is-a-good-option/ Wed, 03 Mar 2021 07:33:01 +0000 https://privateloanshop.com/?p=5848 Although many financial experts warn people off payday loans, they can offer an excellent option when you need cash now. When compared to the issues you will face due to missed payments, payback loans can work well. Here are seven reasons using a payday loan...

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personal-payday-loan

Although many financial experts warn people off payday loans, they can offer an excellent option when you need cash now. When compared to the issues you will face due to missed payments, payback loans can work well.

Here are seven reasons using a payday loan is a good option:

  1. Emergency Cash: A payday loan provides you with cash when you need it in an emergency such as a car repair, a dental emergency or a leaky roof.
  2. Low Income Loans: If you are in a lower income group, payback loans are still available as long as you have a bank account and can provide proof you are employed.
  3. No Credit Check: For other forms of credit, there is an in-depth credit history check. If you have bad credit you won’t have access to the funds you require. As mentioned above, as long as you can provide proof of employment you can get the cash you need immediately through a payday cash advance.
  4. Avoid Further Expenses: The main reason people turn to a payday loan online is because they need the cash now. If you find yourself in an emergency situation, things can get worse if you can’t get the cash you need. In emergency situations from car repairs to dental work and roof leaks to health challenges, when any of these situations are not addressed, they lead to far more costly issues down the road. By using a payday cash advance, you can avoid additional costs by handling your emergency now.
  5. Saves Money: Although it might seem you are paying a high amount for cash advance loans it is far cheaper than what can happen should you not have the cash available when you need it. Missed utility bills can lead to disconnections and a re connection fee. A bounced cheque can cost up to $30. You could be at risk of being evicted if you miss one too many rent payments, or your bank could foreclose due to missed mortgage payments. In a pinch a payday loan is far less costly than the consequences faced of missed payments.
  6. No Debt Build Up: Although you do pay a fee for a payday loan, you also pay it back right away. It is far easier to add to your debt when you are constantly using credit cards or a line of credit for cash. A payday cash advance is a short-term loan that requires payment quickly, so you are less likely to add to your debt.
  7. Doesn’t Affect Relationships: Although you can ask friends or family for a loan, you can only do this so many times before it gets awkward and puts a strain on your relationship. Payday lenders provide the cash you need without any emotional strings attached.

As you can see, a payday loan is a good option when you find yourself in need of emergency cash or are less likely to access credit when you need it.

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Payday Loans in Ontario https://privateloanshop.ca/payday-loans-ontario/ Tue, 02 Mar 2021 21:13:48 +0000 https://privateloanshop.com/?p=2922 Keeping record, making goals and monitoring progress is important when it comes to managing your finances. Most people regard budgeting and planning as a chore like task; one that never gets done. Considering how important financial planning is, it’s amazing that more than half of...

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Keeping record, making goals and monitoring progress is important when it comes to managing your finances. Most people regard budgeting and planning as a chore like task; one that never gets done. Considering how important financial planning is, it’s amazing that more than half of the population can’t tell you how to effectively create and execute a simple budget. The typical excuse, “I just don’t have the time, with the kids, the man and work” just doesn’t cut it anymore with smart applications like Mint.com. Mint is a service provided for free which makes managing your income a activity instead of a chore. The following will explain the advantages of Mint with reference to payday loan management.

One of the primary advantages with using Mint that you can see all of your accounts in one place. Most people have more than one bank account and often at different financial institutions. It becomes time consuming to manually login to each account to calculate what was spent saved or deposited. Mint imports all of your bank accounts to one convenient location. It doesn’t matter if you live in Ontario or Egypt as there is an ability to connect all types of bank accounts including PayPal. You can view your mint dashboard from your mobile phone or from a computer. Once logged in, you will have the option to view accounts individually or together. Mint’s technology automatically calculates more than just your spending in comparison to your income. You can set alerts so you never over send or see how much over or under budget you were for the month. Mint also makes it quite clear where you need to cut back your spending by analysing your spending habits.

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DOWNLOAD A FREE PAYDAY LOAN BUDGET TEMPLATE

payday loan button

Mint is great for staying on top of your finances. Offering an array of tools such as customized advice and a free copy of your credit score makes mint more appealing than the competition. Budgeting for a car loan, a payday loan or home loan? Mint makes it easy by allowing you to set a repayment alert as well implement a budget that will help ensure that you have enough money to cover your bills. The application goes as far as explaining the factors that are affecting your credit score and the make suggestions for improvement.

Reaching your goals is a breeze with Mint. Simply enter the goal dollar amount along with the goal end date and Mint creates a budget that adjusts to always tell you how far you are from your goal and how much you now need to attain it. You can monitor your goal achievement and you can even reward yourself once your goal hits a checkpoint.

One of Mints most under rated features is the “Find Savings” feature which finds ways for you to spend less on various products and services. This helps create more usable money by spending less where you’d usually spend more. It’s incredible that the entire service line up offered by Mint is completely free to use. This financial planning application is recommended by so many reputable businesses. Even more so applauded by payday loan lenders and payday loan users alike. If you need a quick and easy way to manage your bill payments, payday loans or savings Mint.com is your best option.

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Payday Loan Investing https://privateloanshop.ca/payday-loan-investing/ Tue, 02 Mar 2021 19:39:20 +0000 https://privateloanshop.com/?p=1699 Everyone is looking for an opportunity to make a little extra cash. These days, the interest rates on savings accounts aren’t even high enough to wipe your bottom with. That’s part of the reason why people aren’t earning much aside from their pay check. The...

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Everyone is looking for an opportunity to make a little extra cash. These days, the interest rates on savings accounts aren’t even high enough to wipe your bottom with. That’s part of the reason why people aren’t earning much aside from their pay check. The banks are using and reusing our money while it’s sitting in their accounts and they pay us insulting rates of interest for helping them stay in business. Investing in a long term Nest Egg Savings Account doesn’t yield much profit either. For example, a $300 investment at Alterna Savings earns approx. $2 after being locked in for 1 year. It’s no wonder people are looking for an alternative.

Investing in the payday loan industry can yield some aggressive yet low risk gains. Most people have a need for short-term loans. There aren’t many people you can find who haven’t had a short-term loan or a credit card. The demand for money is high; higher than the demand for food. Even with the emergence of electronic currency (Bitcoin), there will never be a shortage of demand for money because we have to pay our taxes using this government tender. That being said, investing in the payday loan industry is a wise idea because there is and will always be a large, unwavering demand for money.

The second best reason to invest in payday loans stems from the return on a short-term loan. An average payday loan is about $300 and must be repaid in 7-14 days; or on your next pay date. The maximum interest charged, by law, on a payday loan is 21%. Meaning, on a $300 loan, the interest earned would be $54.00. A profit of $54.00 in less than 15 days is better interest then you’ll ever get from holding your money in a GIC or high-interest savings account. Remember that profit is just for one loan of $300. Imagine the potential if you had a few thousand to invest.

If you’re still not intrigued, let’s talk about the loan default rate. The truth is that most people re-pay their loans. Of course, there is a small percentage of the population that does not. The good news is that profits increase when a person takes longer than 15 days to repay their loan. Besides, most companies have earnings made from advertising that offset the short-term losses. Overall, the risk associated is minimal compared to stocks, bonds and other investments that come with the same or similar profit yieldings.

To invest in the Canadian payday loan industry contact us at support@privateloanshop.com. Everyone over 18 years of age is encouraged to contact us for this rare income opportunity.

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Why Get a Secured Visa? https://privateloanshop.ca/secured-visa/ Tue, 02 Mar 2021 18:14:14 +0000 https://privateloanshop.com/?p=1142 It helps to know what a secured credit card is before determining why you should get one. A secured Visa has all of the same privileges as a conventional credit card. It differs in that a secured Visa is just that; secured. Visa asks the...

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It helps to know what a secured credit card is before determining why you should get one. A secured Visa has all of the same privileges as a conventional credit card. It differs in that a secured Visa is just that; secured. Visa asks the card holder to mail a security deposit which is returned when the customer closes the credit card. The deposit is usually between $500-$10,000 and whatever you choose to deposit is your credit limit. Visa may offer you an additional $100-$500 depending on card history. The list below explains why secured credit cards are an excellent credit option

A) Guaranteed Approval

You can’t be declined for a secured Visa. All you have to do is apply online and mail your deposit. You can get a secured credit card now by selecting ‘prepaid credit cards’ above.

B) It works like a bank issued Visa

Some prepaid credit cards don’t allow you to purchase certain products and services. For example, a prepaid credit card can not be used for recurring payments or car rentals. A secured Visa works at any ABM accepting Visa in the world and comes with regular 24 hour customer service.

C) Improves Bad Credit Significantly

The secured Visa was developed to give people with poor credit a second chance. A secured credit card improves the card holders credit rating via regular credit reporting. Many people have experienced a complete credit turn-around after using a secured card for couple of years. Visa also offers un-secured credit cards to people who prove themselves credible.

D) Piece of Mind

A secured credit card comes with peace of mind. Your security deposit protects the card in the event that you have trouble with repayment. If you decide to cancel your card Visa will return your entire deposit.

E) Teaches Responsibility

Because the credit limit on the secured Visa is your own money you will naturally use your credit card more responsibly. It’s completely different from having a regular Visa that is loaded with money that was never yours.

F) Low Rates

Secured credit cards have somewhat empathetic interest rates. Perhaps this is done to avoid affecting the card holders ability to repay. Visa typically offers rates as low as 14.99% on secured cards.

G) Good Way to Save

You can load the card multiple times during the life of the card. If you start out with $500 you can add another $50, $100 etc. afterwards. When you decide you want your money for a purchase or investment simply cancel the card service.  The fact that using your funds incurs fees is a good enough reason to refrain from using it. You should use your Visa for emergencies only to avoid unnecessary fees. What’s great is that Visa doesn’t charge any fees for inactivity. For these reasons a secured Visa could be a great way to save your money.

A secured credit card isn’t for everyone but if you have less than perfect credit and are having trouble getting a credit card you should give it a go. It’s the second chance we all deserve.

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Why Canadian Payday Loans are Becoming More Popular? https://privateloanshop.ca/why-canadian-payday-loans-are-becoming-more-popular/ Tue, 02 Mar 2021 14:58:20 +0000 https://privateloanshop.com/?p=6026 Canadians are no strangers to loans and credit. At the end of 2018, household debt in Canada reached an average of $1.79 for every dollar of disposable income. In fact, almost 15% of Canadian income goes towards debt payments. As debt grows, so too does...

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Canadians are no strangers to loans and credit. At the end of 2018, household debt in Canada reached an average of $1.79 for every dollar of disposable income. In fact, almost 15% of Canadian income goes towards debt payments. As debt grows, so too does the attraction to payday loans in Canada. According to the Financial Post, the number of online searches for payday loans is growing so fast that they outranked mortgage-related queries from June 2017 to June 2018 for online searches.

Growing Demand for Payday Loans.

Of the 10 different types of loans available, the search volume for payday loans was 29,000, over 50% more than mortgages. The top five searches included:

  1. Payday loans in Canada.
  2. Mortgages.
  3. Student loans in Canada.
  4. Consolidation loans in Canada.
  5. Car loans in Canada.

The search might be related to record debt burdens, and rising borrowing costs as Canadians try to find a way to make ends meet.  

Payday Loans Avoid Bankruptcy

With debt eating into income, many Canadians are turning to solutions such as payday loans online to avoid missed payments or even the need to claim bankruptcy. Canada’s debt service ratio is the highest it’s been since 2008.

Many insolvency companies are seeing their busiest year since as far back as 1999. Major insolvency service Hoyes, Michalos in Ontario saw a rise from 650 new inquiries in 2017 to 1,000 in 2018.  

Payday Loans to Avoid Increasing Costs

Many monthly and day to day expenses are rising for Canadians. In cities such as Toronto and Vancouver, rent and gas alone can put strain on households, leaving very little wiggle room should a financial emergency arise. In fact, many Canadians living in major cities are putting as much as 50% of their income towards rent. Add the 14.9% being paid towards debt, and there is very little left for other expenses including food, auto insurance and paying monthly utilities. This is leading to an increased demand for online payday loans in Canada.

Higher Payday Loans

The increasing costs are leading to requests for payday loans in larger amounts going from an average of $500 to $1000 to a shift to installment loans for as much as $15,000. Installment loans online provide a larger loan in Canada that can be paid off over a longer time period. As other types of loans such as home equity loans in Canada have been tapped out, many people are finding they need an alternative loan for bad credit.

Rising Interest Rates on Canadian Loans

The increase in bankruptcy filings and debt management inquiries could be due to increasing interest rates. It is easy for people to underestimate the impact interest rates can have over a long period of time. This means people are having trouble making their payments month to month. A Canadian online payday loan can be a huge benefit for people who are having trouble stretching their money between pay cheques. Although interest rates are higher, the money is paid off quickly helping to avoid interest fees building up like larger loans.

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Canadian Payday Loan Requirements https://privateloanshop.ca/canadian-payday-loan-requirements/ Tue, 02 Mar 2021 13:43:02 +0000 https://privateloanshop.com/?p=3044 The pay day loan industry is constantly changing. The requirements for getting a payday loan online has evolved to help regular people get access to their pay check before their pay date. Of course, different lenders offer different terms and conditions but the overall trend...

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The pay day loan industry is constantly changing. The requirements for getting a payday loan online has evolved to help regular people get access to their pay check before their pay date. Of course, different lenders offer different terms and conditions but the overall trend is toward providing easier online payday loans. The main reason lenders are decreasing the amount of requirement needed for an online loan is obviously to increase volume. Many people have been conditioned to think that loans are hard to come by, so lenders are looking to remove the myth by promoting even easier terms.

#1 : Private Loan Shop | https://privateloanshop.ca

– Each applicant should be at least 18 years old to be approved for a loan

– To qualify you must live in Canada or the USA

– The monthly earnings of each applicant must be a minimum of $1000 per month

– To receive your funding each applicant must have a valid bank account

It’s clear that online payday loan requirements has been revolutionized. The next time you or someone you know needs instant access to their pay check try one of the above online payday lenders. They’ve proven to be the internet’s fastest, easiest way to get a short-term loan.

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Are Instant Payday Loans Taking Over? https://privateloanshop.ca/instant-payday-loans/ https://privateloanshop.ca/instant-payday-loans/#respond Tue, 02 Mar 2021 13:03:41 +0000 https://privateloanshop.com/?p=470 Studies show that more young people are relying on alternative financial institutions than ever. When we say ‘alternative financial institutions’ we’re referring to the hundreds of payday lenders, check cashing vendors and prepaid credit card organizations. According to a recent survey found on Forbes.com, it’s...

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Studies show that more young people are relying on alternative financial institutions than ever. When we say ‘alternative financial institutions’ we’re referring to the hundreds of payday lenders, check cashing vendors and prepaid credit card organizations. According to a recent survey found on Forbes.com, it’s not only poor young people that are taking to these institutions but also well off young people. The question is ‘why are so many young people using these organizations instead of well recognized institutions?’

It is fair to assume that ease of access plays a big role when young people decide who to do business with. Recognized cash advance companies promote accessibility by providing instant payday loans. For example, Private Loan Shop offers a quick 2 minute loan application form with instant approval and cash delivery in under an hour. It’s the fast, hassle-free nature of online payday loans that young people gravitate to. Folks under 35 tend to live fast paced, demanding lives. In fact, this is the demographic faced with the more financial emergencies than any other age group. When it comes to getting a loan, a payday loan is probably the fastest and easiest way to acquire funding. For this reason, young people tend to use alternative financial organizations like payday lenders.

Another major reason why young people are turning to non-government owned financial institutions is because of a lack of credit. When you’re young and just entering the credit zone you are seen as high-risk for bank loans and lines of credit. It takes a while to build a credit portfolio and as such, young people often seek payday loans simply because they do not require good credit. Likewise, young people are often looking for prepaid credit cards from alternative financial institutions for the same reason. Typical banking institution do not issue loans or credit cards to young people who have no credit or bad credit.

In addition to a lack of credit worthiness, young people often choose payday lenders because they want privacy. It is true that payday lenders are more conspicuous in terms of privacy. For example, if you go to the bank and borrow $1000 there is a high risk that someone (spouse, parent etc) will find out about the loan; possibly via paper trail. Conversely, a payday loan is more private. You do not have to walk into a branch to get a cash advance. These days, you simply apply online, which lessens the chance of you running into someone you know. It also saves you from lining up and explaining why you need the cash to a financial adviser.  Payday loans are better than banks when it comes to privacy.

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