Thursday 26 November 2015

Is A Payday Loan The Right Thing For You?

Everyone needs a little help once in a while. If you are in a financial bind and need a little extra cash; a Vancouver payday loan may be a good solution.  Although payday loans may have a stigma in some circles, they are useful and cost effective in many situations. Keep reading to find out more.

The Advantage Of Short Term Loans


Payday loans help you in the short term. If you continually struggle to pay your bills and don't have money set aside for an emergency, you may want to consider credit counseling or financial planning to help you manage your finances better.

The annualized interest rate on a payday loan can be high.  These loans have a short life span, therefore, the loan's actual cost might be worth it as a short term financial solution.  If a payday loan saves you an NSF fee and/or allows you to make a payment on time it can save both money and your reputation with another lender.

This type of loan is usually smaller and is paid off on your next payday. The majority of payday loans span two weeks to coincide with your pay schedule.  You can pay it off earlier or faster if you wish.  Regulations are in place to allow you to cancel the loan without penalty or interest charges if you change your mind within two days of taking the loan. 

How To Qualify


If a majority of your income is from self employment, it may be difficult getting a payday loan. Most payday lenders do not view self employment as reliable and might not approve you. If you work on your own, search online for companies that can give you a loan. Having a steady job is a good indication you will be accepted.

Before taking out one of these loans, give yourself ten minutes to think about it. Payday loans can come in handy when an unexpected expense arises that can not be put off. Be sure you are considering the situation rationally rather than reacting to the shock of the unexpected event.

You should only borrow from lenders willing to disclose their interest rates and fees. Beware of companies that won't disclose their fees and interest rates, because you can get burned! Only deal with lenders who are licensed in your area. Be sure to get copies of any agreement and never sign a document that has blank spaces.   

Payday Loan Alternatives


A great alternative to payday loans is to ask your employer for a cash advance. If your employer will let you have an advance on your pay, you could save a bundle compared to the interest lenders charge on payday loans. Know your alternatives before considering payday loans.

Ask whether or not your lender will report this to the major credit agencies. Taking a payday loan is not going to improve your credit score, but failing to make your payments could have a negative influence on your credit score; always be sure you can comfortably meet the repayment deadline. If you understand what the terms are and are sure that you can comply with them, a payday loan can be very helpful.

Payday loans are subject to minimum net pay and other qualification requirements. Maximum charges permitted in Alberta and British Columbia for a payday loan: $23 per $100 lent (23% of the principal); We charge $20.00 (20%). For a $300 loan for 14 days: Total cost of borrowing $60.00 Annual percentage rate = 521.43%. This information meets the requirements of the Payday Loans Regulation under the Fair Trading Act. License #3306278.

Monday 31 December 2012

Payday Cash and Short Term Payday Loans

Your credit is important and something you definitely want to protect, let me tell you why.

We've all felt the pinch when payday cash in hand is still a few days away, the fridge is empty, the rent is due, or some emergency has come up and you need money now. So with poor, little or no credit you still have choices; even when your friends are tapped out and your parents have said no.

We all know why banks lend money but if what you need doesn't fit into that box than here is an alternative. Turn to us for a pay day cash loan. Think of us like your favorite uncle who's willing to help out when you really need it.

This is where your credit comes into play, but not exactly like you might think. Here at Blue Copper Capital we see things differently when it comes to personal credit. If you can show us proof of income, current pay stubs or work derived income we can likely help your situation. You don't need stellar credit to deal with us, but we do look for a winning attitude.

We are in the business of helping you out when the situation demands. Things can come up unexpectedly that have to be paid, that's when a pay day cash loan comes in handy. If you find yourself in that situation give us a call.

Fast Cash Today

Pay day loans were designed with you in mind. Today’s economy can be tough, if you find yourself in a bind remember who's in your corner when you really need the cash for a week or two. Blue Copper Capital is who you want to call when you need cash in hand a few days earlier than usual.

We have built our business by listening to the needs of customers just like you. Communication is our most valuable tool, which helps us determine how much payday cash to lend and who to lend to.

Payday loans Vancouver
Payday Loans Vancouver












Blue Copper Capital
Phone: (778) 874-9564
300 A 1055 West Hastings Street
Vancouver, BC V6E 2E9
http://PayDayLoansVancouver.BlueCopperCapital.com

Payday Loans Vancouver British Columbia

Putting together payday loans for those in need of a quick cash advance is our speciality. We are easy to approach, discrete and friendly when it comes to collecting enough money to get through a tough time. Phone us anytime, day or night if you find yourself in a difficult financial situation.



Blue Copper Capital
Phone: (778) 874-9564
300 A 1055 West Hastings Street
Vancouver, BC V6E 2E9
http://PayDayLoansVancouver.BlueCopperCapital.com

Saturday 29 December 2012

Payday Cash Vancouver British Columbia

Payday cash loans offered today to pay expenses, cover an emergency or for any legit grounds when you can't quite make it to your next payday. Call us and we will to review a needs analysis with you and help cover the shortfall. Office hours are 9-5 but call anytime to leave a message. We will call back right away



Blue Copper Capital
Phone: (778) 874-9564
300 A 1055 West Hastings Street
Vancouver, BC V6E 2E9
http://PayDayLoansVancouver.BlueCopperCapital.com

Wednesday 26 December 2012

Loan Agency Vancouver British Columbia

As a loan agency in Vancouver British Columbia, we have helped many people get to their next payday without starving. If you find yourself in a situation like that, call and see about the payday loan service we offer. You can get a cash money loan or cash advance with minimal requirements.




Blue Copper Capital
Phone: (778) 874-9564
300 A 1055 West Hastings Street
Vancouver, BC V6E 2E9
http://PayDayLoansVancouver.BlueCopperCapital.com

Sunday 23 December 2012

How To Qualify For a Payday Loan

Everyone needs a little help once in a while. If you are in a financial bind and need a little extra cash; a payday loan may be a good solution. Although this type of loan may have a stigma in some circles, they are useful and cost effective in many situations. Keep reading to find out more.

The Advantage Of Short Term Loans

Payday loans help you in the short term. If you continually struggle to pay your bills and don't have money set aside for an emergency, you may want to consider credit counseling or financial planning to help you manage your finances better.

The annualized interest rate on a fast cash loan can be high. These loans have a short life span, therefore, the loan's actual cost might be worth it as a short term financial solution. If it saves you an NSF fee and/or allows you to make a payment on time it can save both money and your reputation with another lender.

This type of loan is usually smaller and is paid off on your next payday. The majority of payday loans span two weeks to coincide with your pay schedule. You can pay it off earlier or faster if you wish. Regulations are in place to allow you to cancel the loan without penalty or interest charges if you change your mind within two days of taking the loan.

How To Qualify

If a majority of your income is from self employment, it may be difficult getting the loan. Most short term lenders do not view self employment as reliable and might not approve you. If you work on your own, search online for companies that can give you a loan. Having a steady job is a good indication you will be accepted.

Before taking out a loan, give yourself ten minutes to think about it. Payday loans can come in handy when an unexpected expense arises that can not be put off. Be sure you are considering the situation rationally rather than reacting to the shock of the unexpected event.

You should only borrow from lenders willing to disclose their interest rates and fees. Beware of companies that won't disclose their fees and interest rates, because you can get burned! Only deal with lenders who are licenced in your area. Be sure to get copies of any agreement and never sign a document that has blank spaces.

Payday Loan Alternatives

A great alternative to payday loans is to ask your employer for a cash advance. If your employer will let you have an advance on your pay, you could save a bundle compared to the interest lenders charge. Know your alternatives before considering this type of loan. Ask whether or not your lender will report this to the major credit agencies.

Taking a payday loan is not going to improve your credit score, but failing to make your payments could have a negative influence on your credit score; always be sure you can comfortably meet the repayment deadline. If you understand what the terms are and are sure that you can comply with them, a payday loan can be very helpful.

Call Us About A Short Term Payday Loan

Loan amounts are subject to minimum net pay and other qualification requirements. Maximum charges permitted in British Columbia for a payday loan: $23 per $100 lent (23% of the principal); We charge $20.00 (20%). For a $300 loan for 14 days: Total cost of borrowing $60.00.

Blue Copper Capital
Phone: (778) 874-9564
300 A 1055 West Hastings Street
Vancouver, BC V6E 2E9
http://PayDayLoansVancouver.BlueCopperCapital.com

Alberta Licence Number: 330628 - Consumer Protection BC Licence Number: 58891



Saturday 22 December 2012

Cash Money Loans in Vancouver

For a cash money loan in Vancouver, call Blue Copper Capital today. We are a loan agency specializing in helping you to get over a difficult financial time. As a private money lender we work with you in a private setting. Call now for a cash money short term loan

Blue Copper Capital
300 A 1055 West Hastings Street
Vancouver BC, V6E 2E9
(778) 874-9564
http://PayDayLoansVancouver.BlueCopperCapital.com