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Credit Card Debt

Preparation for the Second Wave and your finances

Job loss and Covid-19

How Debt Affects Mental Health

The Bank of Canada Interest Rate is Staying the Same for the Rest of 2019

Options for Cutting Your Monthly Expenses By 50% — Or More!

Holiday Credit Card Debt Is In – Now What? Use Your Home or Car to Consolidate Debt

Don’t Get a Payday Loan for Holiday Cash – We Have Better Ideas

Struggling with Interest Rate Debt? How to Cope with Latest Increase to 1.75%

More Credit Card Debt Always the Wrong Answer

Fine print for your Prudent loan

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Minimum and Max period for a Prudent loan repayment is 6 - 48 months.

Maximum annual percentage rate (APR), which includes the interest rate plus fees and other costs for a year - from 19.99% to 34.99% maximum (effective rate will vary).

A representative example of a Prudent loan – How is it broken down with all applicable fees
A typical $1,000.00 loan, paid off over a 12 month period borrows an amount of $1,020.00 which includes the $20 credit application fee. Total cost is $231.94. Payment is $104.33. This does not include optional life insurance.

*Rates vary according to credit risks but at all times compliant with all applicable legislation and

In some situations some security may be required.

Approval times are based on optimal situation – customer has all documents and extensive verification is not required.

Questions? We pioneered the Responsible Lender Pledge. Call us anytime and we’ll be happy to discuss your loan and what fees may be involved depending on your particular circumstances.

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