Responsible Lending Tips
How to Improve Your Credit Score:

  1. Check your credit history: It's important to know your credit history because it gives you an indication of how attractive you are as a potential borrower. Get your credit report and check that it doesn't contain any errors. Mistakes could be negatively affecting your rating, and fixing them is a step towards credit improvement.
  2. Pay down your credit cards: While it's true that servicing student loans, mortgages and other debt can improve your credit score, the highest improvement comes from repaying opened-end loans like credit cards or lines of credit.
  3. Get payment reminders: Do you find that you forget to pay bills by their due dates? Opt for payment reminders in order to avoid this in the future. It may seem trivial, but late payments can have a huge effect on your credit score. Another way to combat forgetfulness is to set up automatic payments, which will ensure that your payments are consistently made on time.
  4. Have a few credit options: It may seem counterintuitive, but using a few different types of credit - a mix of revolving credit and installment loans can actually increase your credit score, as long as they are managed responsibly.

An online loan can be a good source of financial assistance when used responsibly. Many people find this type of loan helpful for:
  • Paying bills on time
  • Helping to cover sudden and urgent expenses, such as medical bills
  • Ensuring that a check does not bounce
If you find yourself in a position where you are consistently having difficulties meeting your financial obligations, then our product is NOT for you.
If you obtain loan from us and discover that you are unable to repay it due to your financial circumstances, please contact us and we will do our best to find a solution that fits your situation.