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Depending on the type of loan that you need, we will match you with the most fitting loan lenders. You will get to choose from up to five of the most competitive loan options available.
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10 Ways to a Better Credit Score

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Credit Card Consolidation in Canada

If managing multiple credit cards and their accumulated debts turns out to be a financial problem for you, you might want to consider credit card consolidation loan. With credit cards becoming a norm, improving your spending power and making payment for products and services so much easier, it is also easy to neglect the downside of deferred payments – debt. Some credit cards have notoriously high interest rates that accumulate if you are late on your monthly payments. With the help of Loans Geeks, you can make a credit card consolidation that will allow you to combine all of your high interest credit card debts into one loan, at a much lower monthly rate.

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Yes, debt that you accumulate with your credit cards will affect your credit score, and it is also one of the major metrics in its calculation. Paying on time will positively affect your credit score, rising it, while failing to pay on time will negatively affect your credit score, making it drop very fast. Be mindful of this, as low credit score can make it more difficult for you to borrow money in the future.

Use whatever extra money you have left in your budget to pay off as much of your accumulated debt as possible. Normally, you should always give priority to outstanding balances with higher interest rates, like credit card ones. They should have priority over payment loans that are fixed.

On contrary, credit card consolidation in Canada will help you improve your overall credit score over time. However, there is a danger of accumulating new balances on those same cards that have been consolidated. The best solution is to put away those credit cards and stop using them altogether.

Penalty APR is the annual percentage rate that is applied to your account if you miss or are late on making a payment. It is usually higher than your normal interest rate and is typically applied for 6 months.

Loans Geeks offer one of the best ways to apply for a credit card consolidation loan in Canada. From the comfort of your home you will be able to fill in an online application form and get matched against up to five top rated, reputable loan lenders in Canada and choose among most competitive offers.

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