Personal Loan

What Can You Do To Improve The Health Of Your Finances?

By | Personal Loan

Having your finances in order can be a great way of reducing stress in your life. On the other hand, if you feel like your financial situation is spiralling out of control, it can be all-consuming and extremely stressful.

If you’re wondering how to make your finances healthy, allowing you to live a more relaxed lifestyle, we’ll be taking a look at a few practical tips and tricks in this article.

Always Strive To Save A Portion of Your Income

Putting money away is a fantastic method of giving yourself some peace of mind and easing your financial burden. One of the most stressful situations you can face is having some sort of emergency that requires cash to resolve, yet you don’t have any spare money on hand. At least, if you have a savings fund with some money put away, it can help to solve your problem.

Even if you just tuck away five or ten percent of your income each time you get paid, that will soon accumulate into a handy amount of money.

People who are good with their finances will always strive to save some cash as a part of their overall financial plan.

Debt Consolidation Can Be A Lifesaver

Having too many debts to pay off can be one of the biggest financial burdens. While one debt might be manageable, having more than one can often apply a lot more pressure on your financial situation and overall well-being.

One of the best ways to use a personal loan is for debt consolidation, or you could even apply for a tailor-made debt consolidation loan.

As a quick example, let’s say you have two or more debts attracting high rates of interest. If you were to roll those debts over into one Debt Consolidation Loan, you could reduce the amount of interest you have to pay, only have one repayment to come up with each month and potentially reduce the amount you have to repay overall.

instant short-term loans for debt consolidation can seriously ease the financial burden of juggling too many debts.

Create A Budget And Stick To It

Many people tend to lapse into a state of financial disrepair simply due to not having a firm budget and being disciplined enough to stick to that budget. If you don’t yet have a budget written out, now is as good a time as any to create one.

A budget doesn’t have to be some complex mathematical chart or spreadsheet that only a qualified accountant can understand. In fact, having something very simple and easy to follow is better.

All you really need to do is write down what your income is, what your necessary (essential) expenses are each month, as well as list things you want to spend money on but don’t have to. The latter will include things like entertainment expenses, going out for dinner and so on.

Once you have a tally of the essentials, you can subtract that amount from your total income. The figure you are left with is what you have available for saving and for non-essential expenditure. This is your disposable income.

A budget is like having a simple financial plan to be able to refer to as a way of keeping you on track financially.

Investing Is Always A Wise Option

If you can budget wisely and accumulate some money to invest in something that is solid and more often than not returns a positive ROI, then this can set you up financially down the track and eradicate those financial burdens.

Many Australians invest in real estate, but that’s not your only option. Some people have made good returns on Bitcoin and buying gold. Others have made a profit from investing in stocks or Forex.

Before investing your hard-earned cash, it’s a good idea to first chat with an experienced investment consultant.

Talk To Cashify About Improving Your Finances

Cashify Loans can help you improve your financial situation with our competitive consolidation loans in Australia. Don’t let yourself drown in debt any longer. Get in touch with Cashify Loans today, chat with one of our staff members and learn more about gaining control of your debts and finances.

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

5 Practical Tips For Financing Your Education

By | Personal Loan

It doesn’t matter whether you’re trying to land a job, want a career change or even if you’re hoping to start your own business as an entrepreneur, education is vital for success in any of these worthy endeavours. Most of the time, education also costs money and in some instances, quite a bit of money.

Funding your education can sometimes be a stumbling block. If you’re studying for a degree of some description or want to undergo intensive training, the tuition costs can be quite high. You’ll need to find the money from somewhere. This article will be taking a look at some practical tips for funding your education.

1 – Start An Education Fund

It might be for your own education or the education expenses of a child. Either way, planning ahead is always a good idea and can certainly relieve some of the stress of education expenses when the time comes to pay tuition fees.

If you’re an adult and looking to further your education, maybe you can defer your studies for a while and give yourself a chance to save up some money to put towards the cost of those studies?

If you can put a little bit away each week or month to fund education costs, it will give you a lot of peace of mind.

2 – Apply For An Education Loan

Many Aussie lenders will approve personal loan applications for education expenses, so long as you can demonstrate you have the financial means to pay back the loan. Some lenders even tailor their loans for education purposes.

If you’re wondering how to apply for an online Education Loan, the process is generally quite easy. Just be sure you understand the terminology related to the Education Loan process, always study the total cost of the loan and make sure to read the fine print.

A loan to cover the cost of tuition can be one of the quickest and easiest ways to fund your education.

3 – Can You Pay Off Your Tuition In Installments?

Depending on the course you plan to undertake, there might be the option of paying for the cost of the course in monthly installments. If there is this proviso, then it can make life a lot easier. You could work part-time while undertaking your studies and use some of the money you earn to put towards those monthly installments.

It’s always a good idea to check out all available options. Otherwise, you might miss out on a better and easier way to cover your education expenses.

4 – Are You Eligible For A Scholarship?

Many Australian universities offer a certain number of scholarships each year for worthy students. You’ll need to study the website of each university you’re interested in attending to see if scholarships are on offer and what the selection criteria is to apply for one.

Universities are not the only options for acquiring a scholarship. Some private businesses and not-for-profit organisations also offer scholarships. You’ve just got to put the time into researching what is available.

If you can land a scholarship, it will cover some or maybe even all of your study expenses.

5 – Access Support From The Federal Government

The Australian Federal Government has a number of study assistance programs in place to help Australians achieve their education goals. It’s worth it to take the time to peruse the official website, see what’s available and then determine if you’re eligible to apply.

While most of the government initiatives will involve repaying any funds they forward to you for your education, there are also some study grants available that won’t have to be repaid.

If you’re serious about finding a way to fund your education, then your research won’t be complete until you see what’s available from the Federal Government. It’s about discovering all of your options.

Cashify Loans Can Help You Finance Your Education

The cost of your education is actually an investment in your future. Cashify Loans has helped many Australians achieve their education dreams with our competitive and very transparent student education loans. So get in touch today and discover how we can help you invest in your future.

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

How to Find the Cash you Need Quickly in an Emergency

By | Personal Loan

Unexpected expenses can occur at any time, meaning that you won’t necessarily have the funds available. An emergency financial situation could be anything from a medical issue to your car breaking down and being off the road.

When you do find yourself in this type of urgent situation and you need cash to get out of it, you can end up scrabbling around, desperately searching for ways to find the money you need. Let’s take a look at some of the ways that you can come up with money fast when you really need it.

Liquidate your Possessions and Get Rid of Unwanted Clutter

You have a number of different options when it comes to liquidating your assets or possessions and selling off some personal items. If you’re really desperate and need to obtain a certain amount of money quickly, you might be forced to sell something you want to keep, like a motorcycle or your favourite set of golf clubs.

Alternatively, most people have accumulated a lot of stuff over the years and likely have things just sitting around the house. In this instance, you could gather up those unused items and host a garage sale on the weekend. This is a quick way to put some cash together and declutter your home in the process.

You Could Find Some Extra Work

Although this might not seem like a way to get cash very quickly, in some instances it can be. For example, jobs like delivering pizzas at night often pay on the night for each shift. Or, at the very least, you get to keep any cash tips you earn right away. Delivery gigs like this are often quite easy to get if you go around canvassing your local area. Food delivery services like Uber Eats and Deliveroo are also a good way of making a few extra dollars on the side.

You might also consider printing up some cheap flyers advertising odd jobs such as car washing or mowing lawns. Doing these types of jobs can be a good way to make some quick cash and help out your local community in the process.

Whatever work you do or extra jobs you take on, it doesn’t have to be permanent. You can just do it until you’ve made enough money to get yourself out of trouble.

A Credit Card Cash Advance Could Save the Day

If you have a credit card with some available balance on it, you could get a cash advance and use that money to pay for any expenses involved in resolving your emergency situation. However, credit card cash advances do attract high-interest rates and sometimes additional fees, so this may not be the ideal option for you if you are trying to keep your repayments down.

Rent Out the Spare Room

There are often people looking for short-term and budget accommodation options, so if you have a spare room in your house, you could rent it out to make some extra cash. It might be a local who needs a place to stay, or it could be a traveller who wants to spend a few months in the area before moving on.

Just like with working an extra job or doing odd jobs, it doesn’t have to be a permanent situation. You could just rent out the room for a certain period of time that gives you enough cash to resolve your problem and maybe a little extra for peace of mind.

Apply for An Emergency Loan With Cashify

What is an Emergency Cash Loan? It is a form of Personal Loan that you can apply for through Cashify to get the money you need without the long waiting period. We specialise in the fast processing and approvals of Emergency Loans to ensure you get the funds when you need it most.

The purpose of an Emergency instant short-term loan is to provide you with the funding you require to resolve your emergency situation and take the pressure off. Once your problem has been sorted, then you can focus your attention on repaying the debt.

To learn more about Cashify’s Emergency fast cash loan options in Australia, just get in touch today.

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

Renovating On a Tight Budget? What You Need To Know

By | Personal Loan

Many Australians find joy in renovating and revamping their homes. It can be something that is both enjoyable and adds value to your property. However, there are often many costs associated with home renovation.

What can you do when you want to perform home improvements but have a really tight budget? And what are some options and ways to renovate a house when you have no money or very little cash on hand?

Let’s look at some of the possibilities and ideas.

Do those Cheap Fixes First

Some home improvements don’t have to be big projects and could be more of a matter of performing some simple repairs or cosmetic work, rather than a complete overhaul of a particular room.

Therefore, if you’re feeling a bit constrained by your budget, you could simply start off by working on those cheaper fixes. Something as basic as a fresh coat of paint on the walls can make a massive difference without costing an arm and a leg; especially if you do the job yourself.

For other home improvements, rather than going all out when it comes to your expenses, look for ways to achieve the same results without the hefty price tag. A quick online search will leave you with numerous DIY jobs that can improve the look of your home without breaking the bank.

Do Your Kitchen and Bathroom Really Need a Full Makeover?

In other words, can a few cosmetic changes be made that will make a considerable difference to the aesthetics and functionality of the room? If the room has good bones, reconsider stripping it bare and rather opt to work off what you already have.

Kitchens and bathrooms are the most complex rooms in the home and are generally the most expensive to renovate. They are also the two rooms that receive the most wear and tear and can easily make a home look old and dated.

However, you might be able to perform some minor improvements that won’t blow out the budget. You could repair or replace damaged tiles, rather than retiling the whole room. Old shower and tap fittings can be replaced to add some more modern touches to the space. Even replacing the handles on kitchen and bathroom cabinets can make a major difference to the look and feel of a room.

Search for Bargains

Naturally, if you’re trying to save money on home improvements you’ll want to shop around for the best deal. You can find many great deals just by searching online if you don’t limit yourself to what is brand new. There are many second-hand items up for sale on websites such as GumTree and Facebook Marketplace that look as good as new but are a fraction of the price.

Alternatively, a retailer might be trying to get rid of old stock to make way for a new shipment and sell the discontinued items at a bargain price. It’s all about being savvy and keeping your eye out for any good deals that may pop up.

Finance Your Home Renovations with a Renovation Loan

Taking out a loan for home renovations can prove beneficial as any improvements will likely add value to your property in the long run. Therefore, a Home Renovation Loan makes sense and will provide you with the funds you need to complete your home improvement projects.

If you start out on a tight budget due to a lack of funds, it doesn’t have to remain that way. You can change the scenario by obtaining finance to plan, design and complete your project just the way you envisioned. With the money from a loan, you will no longer feel restricted in what you can accomplish. For your convenience, you can even apply for a small loan online.

Apply for a Home Renovation Loan with Cashify Loans

If you’re wondering how to get a home renovation loan online, you can apply for one with us right here at Cashify. Just browse our website or give us a call to learn more.

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

Features Of Online Medical Loans

By | Personal Loan

To relieve the stress of any medical situation, you don’t want to be confronted with money troubles. A medical problem or emergency can be stressful enough without having the worry of how you’re going to pay for those medical bills thrown on top of everything else.

One sure way you can lower those stress levels on a monetary level is to seek out a Medical Loan to cover expenses. This article is going to be taking a look at medical finance in Australia and the benefits of online Medical Loans.

How To Use a Medical Loan

If your Medical Loan comes in the form of a personal loan, be sure to allocate the funds you borrow to your medical expenses. The idea of the loan is to relieve the financial pressure so you can focus on recovery.

Depending on the lender you choose and their specific criteria, they may pay your medical bills directly from your loan account on your behalf. Not only does this take the pressure off you, it also ensures your bills are paid from the borrowed funds, so you don’t end up with any medical debts remaining. It’s all about having peace of mind to focus on what’s most important.

Be Sure You Can Apply for the Medical Loan Online

In the modern, high-tech world where so much of what we do can now be accomplished online, you’ll want the convenience of being able to apply for your medical procedure loan online too. This is especially important if you’re currently incapacitated due to a medical condition or following surgery.

When you make your application online, you can relax and take your time. It also gives you the freedom to fill out the online application form at a time of the day or evening that suits you. With online applications, someone can even assist you in the application process if you can’t do it yourself for whatever reason.

Benefits of Online Medical Loans With Cashify

Cashify provides quick cash loans in Australia that range from just $2,000 and right up to $50,000. While this range gives you flexibility and options, be sure to only borrow the amount you truly need.

Another key thing to note with a medical loan from Cashify is our repayment terms. Not only can you get up to 7 years to repay the debt, if you want the option of repaying your loan sooner, but you can also do so in as little as 3 months, if that suits you better. Many other lenders only offer a minimum term of 12 months or more, which means you ultimately accrue more interest. However long you need to repay, you have a lot of flexibility with our Medical Loans.

If you know in advance that you have a surgical procedure coming up that you need to pay for, you can organise your Medical Loan in advance, so the funds are in your account when the time comes. This will lift a great burden off your mind, knowing that your medical expenses are already covered. This way, you can focus on the surgery and your recovery period.

Our Medical Loans cover things like:

  • Specialist fees
  • Cost of surgery
  • Medications
  • Dentistry
  • Cosmetic surgery
  • Unexpected medical care
  • And more…

Another feature to take note of is our very competitive interest rate for a Medical Loan. It’s always wise to compare interest rates with other lenders before committing to a loan of any kind, but you’ll discover our rates are some of the best.

As a private lender, we focus on providing speedy service for our customers. If you are faced with a medical emergency and need the funds in a rush, loan applications can often be processed and approved either on the same day you apply or the very next business day. Once approved, the funds will be deposited in your account in quick time, ready for you to use.

Secure a Medical Loan With Cashify

Cashify, an Australian-owned and operated private lender, specialises in helping Aussies with medical loans and personal small loans online. If you’ve had medical treatment or an upcoming surgical procedure and need funding assistance, get in touch with us today to learn more about how we can help you.

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

What Can You Do When Paying Your Outstanding Debts Is So Hard?

By | Personal Loan

Having debt is a responsibility that is ongoing until that debt or multiple debts have been repaid in full. Having more debt than you or your finances can handle can be crippling on a number of levels, including financially and psychologically. It can place an enormous amount of pressure on the person who has incurred the debt, as well as those people closest to them.

With this in mind, what can you do to make life easier and what options are available to you to enable you to crawl out from under that mounting pile of debt? Let’s look at some options in this article.

Strive To Repay Your Debts Sooner

No matter what type of debt you have, one way to relieve the pressure is to make a point of repaying those debts sooner rather than later. This is provided you have the financial means to do so. Even if you currently don’t, is it possible for you to find extra work, where you can put all of the money you earn towards the loan and debt repayment until you’ve gotten on top of them? This extra workload doesn’t have to be permanent, just temporary until you’ve regained control of your financial situation.

Just getting the total amount of your debts reduced will make a massive difference and it will relieve the psychological pressure as well.

Focus On Credit Card Debt First

If you have a variety of debts, for example, a Personal Loan along with multiple credit cards, focus first on repaying that credit card debt. Chances are, the interest rate you’re paying on your credit card is going to be higher than that of the Personal Loan. Therefore, it makes more logical and financial sense to get rid of that credit card debt as the number one priority.

The other thing to keep in mind is that any small personal loan will have an end date, whereas the debt incurred on a credit card will be ongoing indefinitely if you only ever pay the minimum monthly repayment amount.

If you have more than one credit card with an outstanding balance, this can be a real drain on your monthly finances. Once you have managed to repay a credit card in full, either refrain from using it again unless you really have to, or cancel the card completely so you can no longer rack up debt on it.

Apply for a Personal Loan for Debt Consolidation

It may sound counter-intuitive to take out a loan for emergency cash immediately to reduce your debt situation but the best way to consolidate debt can be with a Debt Consolidation Loan. You’ve probably heard about debt consolidation but how does it work exactly and how is it of benefit?

Firstly, you’ll be seeking a Debt Consolidation Loan that offers a lower rate of interest than what you’re currently paying on credit card debt and so on. You also want to note things like loan establishment fees and other ongoing account-keeping costs. Let’s now look at how debt consolidation helps to improve your financial well-being.

If you have two or more debts, that’s a number of repayments that you have to manage and remember to pay each month. Once you’ve rolled your debts over into a Debt Consolidation Loan, you’ll only have one repayment amount to think about. This means there will be less chance you’ll forget to pay something or that you’re late with the repayment.

If you’re smart about the Debt Consolidation Loan you choose, you’ll end up reducing the amount of debt you have to pay back overall. This will free you up financially and take some of the pressure off.

Once debt consolidation has been finalised, there’s also a very good chance that the monthly amount you need to repay will be lower than the total of monthly repayments you previously had to come up with. Once again, this frees up your finances and releases that pressure valve.

Talk To Cashify About Consolidating Your Debt

Cashify has been helping numerous Aussies with debt consolidation, so get in touch with us today and learn how we can help you get on top of your finances. We can tailor a debt consolidation loan to suit you.

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

How A Car Repair Loan Can Help You

By | Personal Loan

If your car is off the road for any reason or is simply not running as it should, you’ll need to get it serviced or repaired as soon as possible. Maybe you were involved in an accident or the engine decided to die on you?

If you need your car for work, taking the kids to school or it’s just plain inconvenient trying to get around without it, then you may need to finance car repairs and servicing, if you don’t have the cash on hand to cover it. While you may be getting into a small debt to get back on the road again, it can be worth taking out a loan for car repairs and servicing.

Does Your Vehicle Help You Earn a Living?

If you absolutely need your car to get to work and back home again, then effectively, your vehicle plays a pivotal role in helping you make a living. Without it, if you can’t get to work or it’s a daily struggle, you risk losing your source of income if you get fired.

Alternatively, you might be a tradie or a delivery driver and your vehicle is absolutely essential in giving you the capacity to bring in the cash on a daily basis. For each day your vehicle is off the road due to mechanical problems or smash repairs, that’s a day’s pay lost, with the potential of losing regular customers and contracts as well.

In these instances, getting finance for your car repairs can be seen as an investment, as it enables you to continue to earn money.

How Long Can You Afford To Have Your Vehicle On the Sidelines?

Even if you don’t earn your living with the use of your car, truck or another vehicle, how long can you go without having your own wheels? Even if you can find other ways of getting to and from your job and you plan to save up the money to fix your car, how long is that likely to take? Can you wait weeks or months to get back on the road?

Finance for car repairs and servicing means you can have the money you need available in a quick time, so you can have the mechanic fix your car expediently. There will be no scraping away week after week trying to come up with the cash you require. Instead, you can be back behind the wheel in no time and repay the car repair loan over terms that suit you and your income level.

Does Your Vehicle Need a Full Service and Safety Check?

Even if your vehicle still runs, is it in dire need of some TLC?

When your car undergoes full service, it can start to get expensive. Your mechanic will also conduct a series of safety checks, looking at things like the braking system, how much tread is on the tyres, whether the steering is straight and so on. Chances are, they’ll discover an issue or two that need attending to, both for driving comfort and for the safety of the vehicle’s occupants and others on the road.

Car servicing may not seem like a major expense, but if your vehicle really needs it and some repairs or the replacement of parts results from that service and checkup, you may find you need a few thousand dollars to cover it.

Having your car serviced, repairs made and a vehicle safety check conducted is just as much about peace of mind as anything else. You want to know your car is running well and is also safe to drive.

Summary of the Benefits of Car Repair Loans

Let’s quickly recap on the benefits of a Car Repair urgent loan for repairs and servicing:

  • You’ll may get back on the road again quicker
  • You’ll know your car is both safe and running at maximum efficiency
  • You’ll have peace of mind

Get a Competitive Rate On a

For Car Repair Loans at competitive rates, get in touch with the experts at Cashify. Talk to us today and learn how we can help you get back on the road again.

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

What Can You Do With A Holiday Loan?

By | Personal Loan

While Summer and the festive season provide a fantastic opportunity to get away from it all and take a much-needed holiday, any time of the year is a good time to take a break. Even if you’ve been planning a holiday for a while now and have been putting money away for that vacation, if you don’t have enough saved, you may need to borrow the rest of the money you need.

This article is a guide to Holiday Loans and holiday loan uses. When you do apply for a Holiday Loan and get approved, you’ll want to be fully aware of what that funding can actually be used for. Keep in mind that lending criteria vary between lenders, so always check with your lender first before filling out an application. If you have any queries, just email them or call them and have a chat about your requirements or concerns.

Pay for Your Travel Expenses

For many vacations, getting to your desired destination means hopping on a plane. When you take out a loan for a holiday, paying for your plane tickets with the funds is a legitimate and allowable expense. After all, to go on holiday requires travel and travelling costs money. It won’t matter whether you’re flying within Australia or going overseas, you can use your loan to cover the cost of flights or even loan money for a caravan for travelling around.

Cover the Cost of Your Holiday Accommodation

Along with plane tickets, another major holiday expense is accommodation. You might decide to spend some time at a luxury beach resort, or book accommodation through Airbnb. Or, an inner-city hotel suite might be more to your liking.

Holiday accommodation is not usually very cheap and the option of paying for it with your Holiday Loan is totally acceptable with just about all lenders who approve travel loans, or instant short-term loans that are to be used to pay for a holiday.

Pay for a Package Holiday Deal

In some circumstances, you’ll discover a great deal all nicely packaged together. Some of these holiday packages even include airfares, along with accommodation, meals, drinks, sightseeing and entertainment. Generally, you’ll save some money on package deals like these, so they are definitely worth considering.

Now that you have the funds available from a Holiday Loan, you can use this money to secure your awesome holiday package and take advantage of a special deal while it’s being offered and before it sells out.

Having your holiday funds readily available in your bank account means you can make plans and jump on the right deal when it becomes available.

Use Your Holiday Loan for Spending Money

Rather than racking up credit card debt, you can use some of the funds from your emergency weekend loan as spending money while enjoying your holiday. It could be cash for restaurant meals, sightseeing, shopping and entertainment expenses.

Talk To Cashify About Financing Your Next Holiday

At Cashify, we’ve been helping thousands of Aussies embark on their dream holiday, either within Australia or travelling abroad. Check out our Holiday Loans page or give us a call and discover how we can help make your vacation dreams come true too.

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

4 Ways To Cover the Cost of Car Repairs

By | Personal Loan

Needing car repairs can be frustrating. You’ll want your vehicle back on the road as soon as possible, especially if you need it to get to work and home again. Even if you’ve got the cash to cover the cost, it can still take time. What’s worse is when your car has been damaged or has broken down, but you don’t have the funds available to cover the cost of repairs.

If you’re wondering how to pay for car repairs with no money and are searching for ways to cover car repair costs when you can’t afford them, this article is going to offer some handy tips and ideas for coming up with the cash you need.

#1 – You Could Try Negotiating With Your Mechanic

If you’ve dealt with a mechanic before and you generally have a good business relationship, you might be able to negotiate a deal. For example, your mechanic might repair your car upfront while you repay the debt over a period of weeks or months. Some mechanics even have payment plans in place for those more expensive repair jobs.

Another option is to try a contra deal with your mechanic. This won’t always be an option, but certainly worth exploring. An example of a contra deal would be the mechanic performing repairs on your car while you return the favour and do something for them. If you’re a plumber, for example, you could offer some free plumbing services in exchange for car repairs.

#2 – Apply for Finance To Cover the Cost Of Car Repairs

Another option that can get you out of a bind and have you back on the road again is to apply for a loan for car repairs. This could be in the form of a general Personal Loan, or loans that have been specifically tailored for auto repairs.

Most Aussie lenders offer the personal loan option and usually car repairs is an acceptable reason to ask for funding.

Something to keep in mind is the time it may take from application to approval on your loan request. Your car is currently off the road and you want to be up and running ASAP. For this reason, it’s wiser to approach a private lender for an emergency cash loan immediately, as turnaround times are generally much faster than that of a bank.

A Car Repair Loan is an option that will likely get you out of a tough spot sooner rather than later.

#3 – Ask Your Boss for An Advance On Your Wages

If you have a good relationship with your boss at work, you could approach them, explain your predicament and ask if you could have an advance on your wages to cover the cost of car repairs. The borrowed funds could then be repaid over the coming weeks or months, directly out of your wages.

Of course, this option will depend on what your boss is like, whether they can afford to front you the money and what kind of rapport you have with your employer.

Another option is holiday pay. If you have some unused holiday pay accrued, instead of taking time off work, your boss might be willing to forward you the amount owed in annual leave. Yes, you will forfeit some time off, but at least you’ll be soon sitting behind the wheel of your car again.

#4 – Find Someone Who Can Front You the Money

When people are stuck for cash, one common option is to approach a friend or a member of your family, to see if you can borrow some money to get your car fixed. It’s not always easy to ask people you know for a loan, but it’s an option if you can’t find another way to get back on the road again.

The good thing about this option is the loan will likely be an interest-free loan. Alternatively, if a friend or family member is reluctant to lend you the money, you could offer to pay back more than what you borrowed as an added incentive.

In Conclusion

If your car is currently off the road and in need of repair, talk to Cashify about a Car Repair Loan. We’ll help get you back on the road again with our instant cash loans for Australians!

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

What Are Your Options for Education Loans?

By | Personal Loan

Whether you’re a parent paying to put your child through school, are a school leaver wanting to attend university, or a mature-aged student wishing to further your education, it all comes at a price. While you might be able to do some very short online courses free of charge, any educational course that is in-depth or nationally recognised is going to come with a sizeable price tag attached.

If you don’t have the money in the bank to cover the cost of the course and any associated expenses, you’re likely going to have to borrow the money. This article is going to take a look at some student loans options for Australia, so you’re aware of what’s available.

Take Out a Personal Loan for Education Expenses

Personal Loans are one of the most versatile loan options available from banks and lenders in the private sector. With a Personal Loan, you have options regarding what the borrowed funds can be used for. With the majority of lenders, using a Personal Loan to cover the cost of education is generally considered acceptable.

Some lenders may even tailor special loans specifically for educational purposes. Take some time to study up on personal short-term loans for education and ask the lender questions if you’re unsure of anything.

Another advantage of taking out a Personal Loan is you only need to borrow the amount you need. For example, if you have half of the tuition fee in savings, you’ll only need to borrow enough to cover the remainder.

If you want quick decisions and rapid turnaround times for loan approval, apply for a loan with a private lender.

Student Loans From the Australian Government

Many university students take advantage of student loans offered by the Federal Government. There are a number of different options and you can view a detailed guide to a student loan here. These loans are available through the Higher Education Loan Program (HELP) and include:


The first two student loans are the most common, with the third option being for students who need financial assistance in order to study abroad.

If you decide to apply for a government student loan, be sure to read all the details of these loans, so you know what’s required of you and what you’re signing up for.

Apply for a Scholarship

If you can land yourself a scholarship, you may not end up having to pay anything towards tuition fees. Many Australian universities offer a limited number of scholarships each year, so it’s definitely worth looking into to see if you qualify to apply.

Universities are not your only option when it comes to scholarships, as some non-profit organisations and businesses also offer private scholarships to students that they find impressive and who have a bright future.

While scholarships are not easy to get and there are always limitations on the number of scholarships available at any given time, it’s something that every student should at least look into before making any firm decisions.

Family Funding for Education

If you really want to study and further your education, is there a family member or close friend who would be willing to contribute to the cost of your education? Their contribution may be a gift or given on the premise that you will repay the sum once you have completed your studies and commence paid employment. If you think this is an option for you, don’t be afraid to at least ask. The worst your family member can do is say no.

Talk To Cashify About Funding Your Education

Cashify has been helping everyday Australians realise their educational goals by offering small loans online at competitive rates, with fast turnaround times, from application to decision. To learn more about how we can help you, simply send us a message!

Disclaimer: Please note this content is of general nature only and does not take into account your personal objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The information contained in this article is correct at the date of publication.

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