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Admin | 21 Jan 2022

Pay off loan faster

Taking out a loan is a financial commitment, and it pays to take that seriously. Although, as a borrower, you agree to a loan term with their lender at the point of taking out the loan, you can often repay faster if you are able.  A good lender shouldn't penalise you for repaying your loan earlier through early repayment penalties, for example. So, providing you've taken out your loan with a responsible leader, you can save money by paying off your loan more quickly than your loan term requires. So how do you go about paying off a loan faster?...

Admin | 11 Jan 2022

Managing Your Money When Times Get Tough

When you take a look at any decade on a personal scale, or even globally, you will find many economic ups and downs. Take the 2007-2008 economic downturn for example. That catastrophe particularly caused billions in losses to companies and individuals. Many companies went bust, and many lost a good portion of their retirement fund as well as their jobs. So how does one manage their bills and other expenses when suddenly their budget suddenly dries up? Here I will offer several tips on surviving such an event.     You need to examine your budget Before you can effectively adjust your...

admin | 21 Dec 2021

PAYID Number

What is PayID? PayID is a feature linked to your existing bank account that makes sending and receiving money easier. Instead of scrambling for your bank account and BSB number, you can give your friends and family easy to remember ids like your mobile number or email address and watch the transaction happen in real-time. Register your unique PayID with your bank, which will securely link it to your bank account. Once it's been set up, you can start giving it to friends and family when they need to transfer your money instead of giving them your BSB and account...

admin | 14 Dec 2021

Things You Need to Know before Applying an Online Loan

If you have only lived at your current address for a short period, you will usually need to supply your past address, as your lender will require these to perform a thorough credit history check on you.  It's essential to check your bank's online loan calculators to help you decide how much you want to apply for. It's a good idea only to borrow what you need over a comfortable period for you to repay. The more you borrow and the longer you take to pay it off, the more you will likely pay interest charges. More significant loan amounts...

admin | 14 Dec 2021

Things before a Loan Applicaiton

Whether you need access to quick cash to cover an unexpected expense, or are borrowing many thousands to help pay for a house extension, applying for a loan is a surprisingly similar process. Providing you have opted to borrow through a responsible lender, you will be asked to provide some personal information, which will allow your lender to check your credit, employment and income status. They will also look at your existing financial responsibilities and regular outgoings. The amount you can borrow, the length of time you have to repay the loan, and the rates you are offered will largely...

admin | 30 Nov 2021

Loan Guides

There are lots of reasons why you may need to borrow money, whether you've been hit with an unexpected bill or you've got a big purchase coming up, you will want to find the loan that's right for you. This can be difficult though with all the different ones available, that's why we have put together these loan guides. Hopefully, they will help you understand some of the different loan types. Which type of loan is most suitable for you? 1. Short-term Loans Short-term loans allow you to borrow a smaller amount of money and spread the cost over several months,...

admin | 22 Nov 2021

How to Find a Job in a Recession

It’s clear for everyone to see, life is very uncertain at the moment, and it's very normal to feel anxious and uncertain about the future and your finances. Recession may seem to be a scary time to be thinking about a job search, but the reality is many of us will be out of work soon, if not already, and each one of us has to pick ourselves on and battle through. So, what does a recession mean in general for job seekers? Can you still find a job during an economic downturn? Yes, jobs will be lost, but we...

admin | 22 Nov 2021

Online Short Term Loans

Many direct lenders offer short-term loans in Australia. Designed to provide an amount of money as fast as possible, these loans are helpful for when you suddenly find yourself needing extra funds. Ideal for emergencies like a car or home repairs, short-term loans allow you to quickly borrow the money you need. Because such loans are often needed suddenly and quickly, many direct lenders now offer short-term loans online. These loans enable you to use your smartphone, tablet or laptop to apply. They are available almost anywhere and anytime. 1. Explained Instant online loans are similar to traditional methods of...

admin | 05 Oct 2021

Things after Loan Application

1. What happens after you have submitted your application? When you apply for a payday loan, you will need to fill in some personal details, including: Home address Contact details Work employment Regular personal outgoings Please note that we may offer you a loan for an approximate amount, which could be higher or lower than the exact amount you applied for. If your short-term loan application is accepted, you will be sent directly to your loan agreement. You can then take time to read the terms and conditions of your loan properly to ensure that you are happy and comfortable...

admin | 05 Oct 2021

Getting Quick Cash from MyCashOnline

If you need cash quickly to solve a short-term financial problem, we could help you find a solution. Even if you have bad credit or have made mistakes with managing your finances in the past, you may still be a good fit to take out a loan product through MyCashOnline.   1. When will I receive the money? Speed is central to short-term and payday loans, so if your application is approved, then the money could be sent in minutes. If your bank account accepts faster payments, then you could even receive it the same day too. It is worth...

Admin | 11 Sep 2021

Where to find your credit reference - Equifax

Equifax is the oldest of the Australian two big credit referencing agencies. It operates under the motto'Inform, Enriches, Empower'. Moreover, Equifax holds a credit file for almost every person in Australia over the age of 18. You will have a credit report if you have ever borrowed money or applied for financial products like short-term loans. You can access one of your credit files through Equifax. Separate reports are held by other credit reference agencies. A credit score is provided as a quick way to see how creditworthy you are. You can also look into the details that lenders will use to...

Admin | 07 Sep 2021

Bad Credit Loan - Pros and Cons

1. Advantages Of Bad Credit Payday Loans Payday loans for bad credit are often available when you cannot get help elsewhere. It could be the difference between losing the use of your car or being able to pay for those emergency repairs. The application process is relatively simple and non-intrusive. Payday loans are unsecured loans. This means if you do miss a payment you won't risk losing a valuable possession (although there could be other financial consequences). Applications can be completed online for speed and efficiency. With some personal loans, you are tied into repayments for months (and even years)....

Admin | 23 Aug 2021

Bad Credit Loan - Conception

Thousands of people are searching the internet each day for " bad credit loans" to help them overcome short-term financial challenges. The term "payday loan" historically meant a short-term loan to be paid back on your next payday. However, the concept of payday lending in Australia is now more broadly defined as high-cost short-term credit. If you are looking for a bad credit loan and want more information before you submit an online loan application, MyCashOnline has you covered. 1. What is 'Bad Credit'? Bad Credit is a term often used to describe the financial situation of somebody with a...

Admin | 14 Aug 2021

Ways to Avoid High-cost Credit or Payday Loan

Looking for advice on how and when to avoid a payday loan or call it a short-term loan, small loan, fast loan, cash loan, ace loan, or online advance loan? Even if money is tight, there are plenty of ways that you can avoid high-cost credit and still get by. But how? There are positive changes you can make to your lifestyle and your approach to money. You can avoid using small loans by making better decisions on how to manage the cash you have spare after paying your bills. There are even ways that you can increase the amount of...

Admin | 12 Aug 2021

Save money - Thrifty

If you can learn how to save money on a low income, you will be able to quickly build up a financial buffer that will help protect you from debt. Savings are important for everyone. If you can save money on a low income, you will have the security of cash to fall back on in the event of an emergency instead of relying on quick loans to save the day. You should hopefully be able to pay less for the things you do buy, by making payments in full up-front rather than paying on credit and incurring interest. 1....

Admin | 12 Aug 2021

Save money - Clever

If you can learn how to save money on a low income, you will be able to quickly build up a financial buffer that will help protect you from debt. Savings are important for everyone. If you can save money on a low income, you will have the security of cash to fall back on in the event of an emergency instead of relying on quick loans to save the day. You should hopefully be able to pay less for the things you do buy, by making payments in full up-front rather than paying on credit and incurring interest. 1....

Admin | 06 Aug 2021

Save money - Belongings

If you can learn how to save money on a low income, you will be able to quickly build up a financial buffer that will help protect you from debt. Savings are important for everyone. If you can save money on a low income, you will have the security of cash to fall back on in the event of an emergency instead of relying on quick loans to save the day. You should hopefully be able to pay less for the things you do buy, by making payments in full up-front rather than paying on credit and incurring interest. 1....

admin | 27 Jul 2021

Save money - Wise Consumption

If you can learn how to save money on a low income, you will be able to quickly build up a financial buffer which will help protect you from debt. Savings are important for everyone. If you can save money on a low income, you will have the security of cash to fall back on in the event of an emergency instead of relying on quick loans to save the day. You should hopefully be able to pay less for the things you do buy, by making payments in full up-front rather than paying on credit and incurring interest. 1....

admin | 23 Jul 2021

Save money - Examine Your Cost

If you can learn how to save money on a low income, you will be able to quickly build up a financial buffer which will help protect you from debt. Savings are important for everyone. If you can save money on a low income, you will have the security of cash to fall back on in the event of an emergency instead of relying on quick loans to save the day. You should hopefully be able to pay less for the things you do buy, by making payments in full up-front rather than paying on credit and incurring interest. 1....

admin | 21 Jul 2021

How to save money as single people

Being single has many benefits, with research suggesting that single people are happier and healthier than those in relationships, however without a partner to fall back on, it's important to have a savings pot ready in case of financial emergency. In this article, MyCashOnline provides useful money saving tips for single people, including creating a budget, the importance of saving for retirement, and advice on slashing living expenses, such as food and drink. Money saving tips for single people If you are single, then you may find that saving money and avoiding debt is easier than for someone in a...

admin | 14 Jul 2021

How to consider small loans during the epidemic.

With so many people facing financial difficulties from the impact of COVID-19, a recent report by the ABC voiced concerns over small loan lenders actively targeting vulnerable people by offering short-term loans to get them through the coronavirus pandemic. This overview of small loans takes a closer look at the fees and rates and includes questions to ask if you are considering this type of loan, so you can do your research and consider your options carefully. What is a small loans? A small loans - more formally known as a Small Amount Credit Contract (SACC) - is essentially a...

admin | 05 May 2021

Tips to Choose a Better Lender

Some of life's decisions are simple. Do you want ketchup or BBQ sauce on your burger? Are you going to relax on the sofa with your favourite TV show, or go out for a run around your neighbourhood? Other decisions are much more difficult to make. Perhaps because they have longer lasting consequences. Or maybe because you're choosing from a longer list of options. When you decide to apply for a loan online, both of those factors come into play. Perhaps if you compare lenders you may have further options open to you. Compare Lenders! Applying for a loan requires...

admin | 21 Apr 2021

Improve Your Income

Is your bank balance not looking quite as impressive as you'd like it to? Here's how you could improve your income. Whether your outgoings are currently higher than your income, or whether you're just looking to earn a little more for some of life's luxuries, there are many different things that you can do to increase  your income We've picked out 5 of the best ways to improve your income: Ask for a pay rise Before you look elsewhere, it makes sense to start by boosting income where you already have some to boost! Don't just ask your manager for...

admin | 21 Apr 2021

Financial Plan - How to Create

Put simply, a Financial Plan is a document (or collection of documents) that prepares you financially for the future. This can be as simple as a household budget, or as complex as legal documents, wills, pensions and investments. There are companies that offer financial planning services, but you may not need this help. Often, basic financial plans can be easily created at home. When creating your financial plan, follow these 5 steps: 1. Think Long Term and Short Term A good financial plan takes into account your long term and short term goals. A short term goal might be paying...

admin | 19 Apr 2021

Paying Your Bills On Time - 7 Benefits

Paying your bills on time is an important habit that everyone should learn. Keeping up to date with regular payments shows you can manage your finances properly and will positively impact your credit score. This is particularly helpful if you are considering a small loan application in the future. Not paying your bills on time, on the other hand, provides many negative consequences. It can result in a poor credit score and possible defaults, making it difficult for you to obtain credit and build financial security. Your Accounts Stay out of Collections More credit card companies are turning to debt...

admin | 15 Apr 2021

Successfully Manage Debts - 6 Ways

Everyone with even a little bit of debt has to manage their debt. If you just have a little debt, you have to keep up your payments and make sure it doesn't get out of control. On the other hand, when you have a large amount of debt, you have to put more effort into paying off your debt while juggling payments on the debts you're not currently paying. Know How Much You Owe Make a list of your debts, including the creditor, total amount of the debt, monthly payment, interest rate, and due date. You can use your credit...

admin | 19 Feb 2021

10 Benefits of Payday Loan

For many people, it is not always easy to identify payday loan benefits immediately. Designed purely for the short term and with higher interest rates than many forms of borrowing, opting for short-term credit is not always the best solution for everyone. In fact, it is recommended that these short term loans should only be used for emergencies. A loan should not be a regular form of borrowing (or indeed income). You should know exactly how, and when, you will be able to pay this money back. Yet despite these considerations. there are often payday loan advantages that make them...

admin | 08 Feb 2021

Why are so many of us using small loans?

In the current financial climate we are seeing an increased demand for more flexible lending – small loans that are easy to apply for and nearly instantly available (subject to terms and approval) – to help people meet the stresses and strains when dealing with financial emergencies. By using small loans, this need is being met by offering finance that is often short term and is required for a brief period of time to cover a situation over which someone has no control. Around 90% of people in the Australia have used some form of financing at some point in order to...

admin | 27 Jan 2021

When can it be useful to request a quick Loan?

There are certain circumstances in which quick loans can help you out of an economic predicament. If we focus on the current date, the first thing that comes to mind is the end of the course of the youngest of the house and the reservation of the holidays. 1. Cover end-of-course expenses Now that the end of your children’s course is approaching, you will surely have to advance payments for the school party. Or, even if they have planned a trip for the farewell with the companions, you will have to start making the most important payments from now on. If...

admin | 21 Jan 2021

What are fast loans?

Quick loans are the ideal financial tool to get out of certain difficult economic situations. In this article, we will go a little deeper into this type of financial product and we will specify when you can be of great help. This type of loans are financial products designed to replace the lack of liquidity that a person may have at any given time. The most outstanding of these products is the simplicity at the time of requesting them and when receiving the money, as well as the speed in the procedures. Certainly, as it is a financial product originated...

admin | 22 Jan 2021

Who can apply for a quick Loan?

To access a quick credit. The first thing you should know is that the information we are going to give you may vary depending on the entity. Therefore, we always recommend you compare between different quick loans until you find the one that best fits your conditions and needs. 1. Have regular income It will not have to be a payroll, but it is true that you must credit a regular source of income. 2. Reside in Australia and be of legal age This will be necessary so that you can be solely responsible for the loan and to be...

05 Apr 2020

Personal Loans vs Credit Cards

It’s always better to pay cash for large purchases, however, there are plenty of occasions when it is just not possible. Life gets in the way, and sometimes ongoing expenses mean it’s difficult to save for time-sensitive purchases. If you are planning to buy a car, take a holiday or undertake studies, borrowing money may be your only option. In this article, we discuss the differences between personal loans and credit cards and the pros and cons of each. Please note the information in this article is general advice only and should not be considered as a personal recommendation. What...

Fitness | 13 Jun 2019

Change Your Mindset For Healthier Finances- Personal loan

Personal loan isn’t always straightforward. Not only have financial relationships grown more complex in recent years, but consumer goods have also become more expensive – without wage increases to offset the rise. It’s easy to become discouraged in the present climate, but there are steps you can take to overcome financial challenges – even when it feels like your finances are working against you. Despite financial hiccups and the hopelessness that sometimes accompanies them, giving up on your finances is the wrong approach. Losing resolve can only make matters worse, so when you’re discouraged or experience financial distress, it’s more...

Fitness | 13 Jun 2019

Who says we need money to get healthy – 5 ways to get fit for free

Getting fit shouldn’t mean we have to splash out all the time. Money is important but not everything. People often work long hours to pay bills, cash loans, payday loans or go on holiday, having a healthy body is a vital thing which we should all strive to attain and there are plenty of ways to achieve it, for free. From taking advantage of taster-sessions to simply working out in the comfort of your own home, here are 5 ways you can get your heart into shape.   Workout at home No need for fancy gym equipment or pay fast...

Katre Kaarenperk-vanatoa | 13 Jun 2019

Credit Alternatives to Bank Loans, Overdrafts & Credit Cards

Are you planning on making an expensive one-off purchase? Do you need some fast cash to cover you until the end of the month? Fast cash loans, online loans, quick loans and payday loans are several ways borrowers can apply for when they don’t have money in their bank accounts However, credit cards are not for everyone – there are some great deals out there for borrowers, yet those with an adverse credit history will be unable to apply. So, before you begin applying for these traditional forms of credit, why not consider these credit alternatives as they might be a better...

Narek Vardanyan | 13 Jun 2019

Reasons You Need an Emergency Loan

An emergency Loan is one of the most important things that you need to have to manage your finances. It is something that will help you when or if you are suffering from financial problems, cash loans or payday loans What is an emergency Loan? An emergency Loan is a pot of money that you have saved for emergencies only. An emergency is something like you losing your job, your business going under or your family experiencing financial difficulties. It can be anything from 1 month of cash to keep you going, 3 months or 6 months. It is similar...