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Crediteck Academy

How to Connect with a Payday Loan Lender

Choose Best Payday Loan Lender
Crediteck Canada

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If you have discovered that you aren’t going to be able to meet your financial obligations, or just need a quick influx of cash to take advantage of a red-hot opportunity that is time sensitive, or just need a bit of extra cash in your pocket for any different number of reasons, you’ll want to look into the best payday loan lender in Canada.

An industry that has seen some very explosive growth in just the last 10 years or so, trying to figure out how to choose the best payday loan lender in Canada can be a bit of a headache and hassle. However, with the tips and tricks included below, you should be able to streamline this process dramatically, and always walk away with a favorable outcome!

Always read the fine print to any agreement

Before you sign on the dotted line to any payday loan agreement, you need to make sure that you have read all of the fine print. Not only that, you may even want to have a professional legal expert give the agreement a quick “once over” just so that you have complete and total confidence in the agreement that you’re going to make.

Also, you need to verify that the terms you were looking for, in the terms that you have verbally agreed to, are represented in that agreement – or you won’t have a leg to stand should you need to seek recourse for anything in the future.

This should be a bit of a no-brainer bit of advice, but you’ll find that there are still some out there that don’t read every single letter of their financial documents and are surprised to learn that things aren’t quite what they seemed later on.

Reputation is absolutely everything

Make sure that you choose to work only with loan lenders that have a favorable reputation in the industry – and never compromise on this fact.

The truth of the matter is that there are a number of payday loan lender services offering the same or similar financial opportunities, some of them with established track records for fair dealings and favorable client relations and some of them with less than glowing reputations.

When you’re talking about such a major decision that will impact your financial future for years and years to come, you’d have to be at least a little bit crazy not to move forward with the most trustworthy, respected, and highly rated payday loan service today.

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Thousands of Canadians, just like you, have benefited from our assistance.

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* You acknowledge that by completing and submitting the website application you are applying for a Loan. Crediteck.ca does not perform any credit checks as part of the process of connecting you to a lender. Once connected to a lender they may, at their discretion, perform credit verification through national databases in order to determine your eligibility and ability to repay. Simply having bad credit is often not a disqualifying factor in the loan approval process.

Loans range from $100-$1,000 with terms from 4 months to 24 Months or longer. APRs range from 29.99% to 46.96% and will depend on our partner’s assessment of your credit profile. For example, on a $1,000 loan paid monthly over 12 months at 29.99% APR, a person will pay $125.09 per month for a total of $1,501.08 over the course of the entire loan period. In the event of a missed payment an insufficient funds fee of around $45 may be charged (dependent on the lender). 

In the case of a default on your loan your payment plan may be terminated, and different collection methods may be employed to collect your remaining balance. Our lenders employ fair collection practices and Canadian law.

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Extending the term of the loan or making late payments may result in additional interest charges. Extensions are not available if your payment is the following business day or your payment has already been processed. Extensions are not available if you have already extended the maximum time frame and have not made a payment. You will never be charged any “hidden fees” that are not fully disclosed in your Loan Agreement or the Loan Cost & Terms. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement.

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