https://www.questcash.ca/ en-us Copyright 2017, 192.237.163.94 Mon, 29 May 2017 16:34:15 +0000 Mon, 29 May 2017 16:34:15 +0000 any Quest Cash The main news feed from Quest Cash. Fri, 12 Dec 2014 23:39:00 +0000 https://www.questcash.ca/ https://www.questcash.ca/ Enter your email to get a new password sent to your email address Legal | Privacy Policy Thu, 05 May 2016 22:36:31 +0000 https://www.questcash.ca/forgot-password https://www.questcash.ca/forgot-password Introduction Please read the following terms and conditions ("Terms") carefully. By using this web site ("Site"), you acknowledge that you have read the Terms and that you accept and will be bound by the Terms and  Privacy Policy, which may be modified by Questcash Inc ("Questcash") from time to time and re-posted on this Site. If you do not agree to the Terms and the Privacy Policy, you shall immediately cease using the Site. Eligibility and Privacy The products and services offered through our site are only available to persons over the age of 18.By Clicking any button and /or by accessing ,browsing or otherwise using Questcash website you represent and warrant to us that you are at least 18 years of age. Intellectual Property The contents of this Site, including its "look and feel" (e.g., text, graphics, images, logos, and button icons), editorial content, notices, software (including HTML or XML-based computer programs) and other material, are protected under Canadian trademark, and other laws. These contents belong or are licensed to Questcash. We hereby grant you the right to view and use our Site subject to these Terms. You may download or print a copy of information provided in the Site for internal use or distribution only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any other purpose is expressly prohibited, unless prior written consent is obtained from us. Contact Information By registering for a Questcash account and/or beginning an application on our website for any loan or service, you are consenting to be contacted by us via telephone, email and/or text and where allowed by law we may contact other persons who may be able to provide updated employment, location and contact information for you. By entering your employer information you are also consenting to us contacting and verifying your employment with that employer. Disclaimer of Warranties You expressly agree that use of the Site is at your sole risk. Neither Questcash, its affiliates, or any of their respective directors, employees, agents, third-party content providers, or licensors warrant that the Site will be uninterrupted or error-free; nor do they make any warranty as to the results that may be obtained from use of the Site or as to the accuracy, reliability, or content of any information, service, or merchandise provided through the Site. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of the Site, whether for breach of contract, tortuous behavior, civil liability, negligence, or under any other cause of action. This Site is provided "as is" without warranty or condition of any kind, either expressed or implied, including, but not limited to, warranties or conditions of title or implied warranties of merchantability or fitness for a particular purpose or non-infringement, other than those warranties that are implied by and incapable of exclusion, restriction, or modification under the laws applicable to this agreement. In no event will Questcash or any person or entity involved in creating or producing the Site be liable for any damages, including, without limitation, direct, indirect, incidental, special, consequential, or punitive damages arising out of the use of or inability to use the Site, even if Questcash is advised or made aware of the possibility of such damages. By using the Site, you hereby acknowledge that the provisions of this section shall apply to all information on the Site. In addition to the terms set forth above, Questcash, its affiliates, and its third-party licensors shall not be liable, regardless of the cause or duration, for any errors, inaccuracies, omissions, or other defects in, or untimeliness or un-authenticity of, the information contained within the Site, or for any delay or interruption in the transmission thereof to you, or for any claims or losses arising therefrom or occasioned thereby. None of the foregoing parties shall be liable for any third-party claims or losses of any nature, including, but not limited to, lost profits, or punitive or consequential damages. None of Questcash, its affiliates, and its third-party licensors warrant or guarantee the timeliness, sequence, accuracy, or completeness of the information on the Site. Descriptions of or references to products, services, or publications within the Site do not imply Questcash’ s endorsement of such products, services, or publications. Indemnification By You You hereby agree to defend, indemnify, and hold harmless Questcash Corporation, its affiliates, third-party licensors, their respective directors, officers, employees, and agents and their successors and assigns from and against any liability, loss, claim, and expense, including legal fees and disbursements on a solicitor-client basis related to any violation of the Terms or your use of the Site, or any information on the Site. Fri, 12 Feb 2016 22:18:28 +0000 https://www.questcash.ca/terms-of-service https://www.questcash.ca/terms-of-service Contact Us Have questions?Our live chat agents are available to assit you anytime during business hours; if you prefer to call ,please feel free to reach out,our friendly agents are avaialble to answer any questions or quiries you may have. Resident/Corporate Office Regina,SK S4P 0J3  Customer Service Toll Free:1-800-934-9770 Local  306-992-6127 Email: inquiries@questcash.ca     Tue, 29 Dec 2015 17:38:24 +0000 https://www.questcash.ca/contact-us https://www.questcash.ca/contact-us This notice describes the privacy practices of Questcash Incorporated and its affiliates. "We" and "us" means Questcash Incorporated and any of our respective agents and service providers. Collection of Personal Information  We collect the following personal information from you: a.   Contact information such as name, email address, mailing address, phone number, date of birth; b.    Banking information such as Bank Account Number, Bank Transit and your Branch Address c.   Information about you such as your full name, your address and your SIN number. We may also obtain credit information about you from an outside credit reporting agency to help us with customer authentication and credit-related decisions. We may collect the following personal information from you about your references: a.    Name b.    Phone number c.    Relationship Use of Personal Information  We use personal information about you to: a.     evaluate, monitor, maintain, service, and collect any application or account you may have with us, including disclosing or exchanging Personal Information with credit reporting agencies, to develop our relationship with you, and to offer financial products and services, including evaluating the needs, wants, and satisfaction levels of our customers. b.     administer services, monitor your  transactions, payments, and evaluate your credit eligibility, for the purposes set out in this notice; c.     Verify your identity  and  maintain security measures aimed at the detection and prevention of fraudulent activity in relation to your account; d.  Promote and market products and services offered by Questcash, which are directly related to the account (such as balance transfers and alternative payment methods), including by means of direct marketing. We use the personal information about your references only for the purpose from which it was collected. a.      Invite your references to use our service b.      Send newsletters and other promotional messages Additional Detail: Personal Information Collection and General Account Of Use We collect personal information about you and use it for the purposes described above. Our objective when collecting and using personal information is to maintain and improve the relationship we have with you; provide you with information about products and services that you will value; reduce the cost associated with maintaining your (and others') accounts so that we may continue to provide you with a fairly priced product; reduce unwanted or inappropriate marketing; and protect you from unauthorized access to and use of your account or personal information. Our Security Procedures Protect Your Personal Information We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once it is received. We work hard to keep personal information secure through physical and electronic information security policies, employee policies and training, and contractual safeguards with all third parties who may have access to personal information. If you have any questions about the security of your personal information, you can contact us at inquiries@questcash.ca.  Information Sharing Further, we share only the personal information we believe is needed to offer a product or service efficiently. We will share your personal information with third parties only in the ways that are described in this privacy statement. We may provide your personal information to companies that provide services to help us with our business activities such as sending you emails or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us. We may also disclose your personal information: as required by law, such as to comply with a subpoena, bankruptcy proceedings, or similar legal process; and When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. If Questcash is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website, of any change in ownership, uses of your personal information, and choices you may have regarding your personal information. Access Requests  To request access to your personal information in our possession, write to us at P.O Box 171 Manor Saskatchewan. S0C1R0.  You can also access and update your personal information anytime by logging into your account. Your request must include a copy of a valid driver's license, birth certificate, or passport. To inquire about your personal information in our possession or make corrections or deletions to it, write to us at the same address. We will respond to your request to access within a reasonable timeframe. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Log Files The Questcash Web servers automatically recognize and record the domain name from which you access the Internet, the corresponding Internet Protocol (“IP”) address, and the names of the pages you visit while at Questcash Site, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data and store it in log files. This information is not personally identifiable and is used to improve the content of Questcash Sites and make them more useful.  Questcash Web servers do not collect e-mail addresses without your consent. Questcash may ask you to provide us with your e-mail address at several points, including on applications, in correspondence or communications with you. Use Of Your Email Address Currently, we do not share any e-mail address you provide to us with our endorsing organizations or other companies to market their products or services. We use both Questcash servers and servers of other companies (“service providers”) to deliver and report on the progress of e-mail programs and to maintain service and fulfill products and services. When Questcash uses a service provider, we prohibit them from using your e-mail address for any other purpose. With your consent, we may periodically send you commercial electronic messages at the e-mail address(es) you provide, including to provide you with marketing offers, that may be of interest to you. With each such message you will have the opportunity to opt-out of receiving future commercial electronic messages at that e-mail address. If you are an account holder, we reserve the right to use the e-mail address(es) you provide to present you with information about your account. This may include, but is not limited to, activating your account(s), account past due notices, rates available, and adding an authorized user. We will track the activity of an e-mail (for example, were graphics viewed, was the e-mail opened, were links in the e-mail clicked), to allow us to measure the effectiveness of the e-mail, to provide future offers, and for fulfillment of products and services. Additionally, for your convenience, we may pre-fill online forms with your e-mail address. Internet Security Questcash will not disclose or request sensitive information in an unencrypted e-mail (for example, full account number, social insurance number, and personal identification number (PIN), or security passwords). If you receive an e-mail purportedly from Questcash containing or asking for this type of sensitive information, prior to responding, please contact Questcash Customer Satisfaction 1 800 934 9770. Use of Tracking Technologies Technologies such as cookies, beacons, scripts and tags are used by Questcash and our marketing partners, affiliates or analytics or service providers. These technologies are used in analyzing trends, administering the website, tracking users’ movements around the site, and gathering demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual and aggregated basis. Various browsers may offer their own management tools for removing these types of tracking technologies. Cookies are files placed within your browser on your computer's hard drive by a Site server. Questcash Sites may use cookies to facilitate your Internet sessions, to maintain security, and to improve our Sites. For example, Questcash may use cookies to verify your identity, remember your personal settings such as your offer preferences, and to monitor your use of the Sites to improve our services. We do not use cookies to collect data from your hard drive including your e-mail address or other personal information. If you choose not to enable cookies on your browser, you may not be able to use some of the services offered on Questcash’s Sites. We use Local Storage, such as HTML5, to store content information and preferences. Various browsers may offer their own management tools for removing HTML5.  We partner with a third party to either display advertising on our website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you advertising based upon your browsing activities and interests To Further Protect Your Privacy While exploring the services offered through Questcash’ s  Sites, please be aware that other online retailers, partners, third party Internet sites, and third party services accessible through Questcash  Sites, have separate privacy and data collection policies and practices, which are independent of and may be different from Questcash policies and practices. Questcash  is not responsible or liable for these independent policies and practices and it is your responsibility to review them and decide whether or not they satisfactorily protect your rights. Our site also includes Social Media Features, such as the Facebook button, and Widgets, such as the Share this button or interactive mini-programs that run on our website. These Features may collect your Internet protocol address, which page you are visiting on our website, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy statement of the company providing it. We may amend these Internet Privacy Practices at any time, and when such a change is made we will post a revised version on this Questcash Site. Changes will be effective when they are posted. It is your responsibility to review these Internet Privacy Practices from time to time to be aware of any such changes. Your continued use of this Questcash Site indicates your agreement to any such changes. Updates and Additional Information This notice replaces any previous notices from Questcash about personal information collection, protection, use, sharing, retention, and Internet privacy practices. We may amend this privacy notice at any time without notice. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective.  Wed, 05 Aug 2015 21:26:35 +0000 https://www.questcash.ca/privacy-policy https://www.questcash.ca/privacy-policy Notice: A session had already been started - ignoring session_start() in /var/www/wolf/app/models/Page.php(389) : eval()'d code on line 2 We use 128-bit encryption to keep your information safe. Personal Info > Financial Info > Employment Info > Finish 2 Bi-weekly payments Amount Interest Payment(s) Personal Info Terms of Service We will not share your personal information with marketers or spammers. Tell us about yourself How can we contact you? What's your address? BC SK How long have you been at your residence? * 6 months or less 7-12 months 1-2 years 3+ years Do you rent or own your home? * Rent Own Other Monthly mortgage / Rent amount * Financial Info Banking Information Savings Chequing How long have you had the bank account? * 6 months or less 7-12 months 1-2 years 3+ years Withdraw automatically?* Yes No Employment Info Employment Information What is your primary source of income? * Job Social Security/Disability Self-Employed Retirement/Pension No Regular Income Other How long have you been working for that employer? 6 months or less 7-12 months 1-2 years 3+ years How much money do you make? How Frequently? Bi-weekly Monthly Yearly Position * Last Paid * Next Pay Date * How often do you get paid? * Once a week Every two weeks Twice a month Once a month/Pension Any Additional Income? * Yes No QuestCash hereby discloses:A Questcash loan is an expensive form of credit and should not be used to solve long term financial needs, if you are having problems managing debt, you may wish to consider seeking credit counseling.Cost of BorrowingCost of borrowing online is a maximum of $23.00 per $100 borrowed (the 'Loan Fee').By submitting the application and signing the loan agreement you the Borrower implicitly provide Questcash with a pre-authorized debit ('PAD') agreement in the amount of the Loan and the total cost of borrowing and agree to repay Questcash on the repayment dates specified in the PAD agreement. In the event of default which for the purpose of this agreement includes missing a payment on due date (i) you the Borrower shall pay Questcash a one-time charge of $50.00 for a dishonored cheque or dishonored pre-authorized debit; or missed payment and (ii) interest shall be charged on the outstanding principal balance at the rate of 30% per annum, until paid in full.Borrower's Right to CancelYou the Borrower have the right to cancel a loan, without reason or cost at any time before the end of the business day following the date that the loan agreement was entered into.  I agree to Terms of Service and Disclosure. Terms of Service Additional Information Purpose of Loan * Bills (General) Bills (Medical) Bills (Auto) Bills (Home/Utilities) Rent / Mortgage Gifts / Leisure Pay off loans / overdrawn account School Other Have you filed for bankruptcy? * No Yes How did you hear about Quest Cash? * Repeat Customer Friend / Family / Coworker Online Search YouTube Facebook Kijiji Other Set a password for you account I agree that My Personal Information provided to Quest Cash shall be accurate and complete, if there is a change in My Personal Information; I agree to advise Quest Cash prior to obtaining further products or services from Quest Cash. Previous Please Sign Below Send Verification Code You need to verify your cell number in order to proceed. Verify Code Terms of Service Introduction Please read the following terms and conditions ("Terms") carefully. By using this web site ("Site"), you acknowledge that you have read the Terms and that you accept and will be bound by the Terms, which may be modified by Questcash Inc ("Questcash") from time to time and re-posted on this Site. If you do not agree to the Terms, you shall immediately cease using the Site. Eligibility and Privacy The products and services offered through our site are only available to persons over the age of 18.By Clicking any button and or by accessing ,browsing or otherwise using Questcash website you represent and warrant to us that you are at least 18 years of age Intellectual Property The contents of this Site, including its "look and feel" (e.g., text, graphics, images, logos, and button icons), editorial content, notices, software (including HTML or XML-based computer programs) and other material, are protected under Canadian trademark, and other laws. These contents belong or are licensed to Questcash. We hereby grant you the right to view and use our Site subject to these Terms. You may download or print a copy of information provided in the Site for internal use or distribution only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any other purpose is expressly prohibited, unless prior written consent is obtained from us. Contact Information By registering for a Questcash account and/or beginning an application on our website for any loan or service, you are consenting to be contacted by us via telephone, email and/or text and where allowed by law we may contact other persons who may be able to provide updated employment, location and contact information for you. By entering your employer information you are also consenting to us contacting and verifying your employment with that employer. Disclaimer of Warranties You expressly agree that use of the Site is at your sole risk. Neither Questcash, its affiliates, or any of their respective directors, employees, agents, third-party content providers, or licensors warrant that the Site will be uninterrupted or error-free; nor do they make any warranty as to the results that may be obtained from use of the Site or as to the accuracy, reliability, or content of any information, service, or merchandise provided through the Site. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of the Site, whether for breach of contract, tortuous behavior, civil liability, negligence, or under any other cause of action. This Site is provided "as is" without warranty or condition of any kind, either expressed or implied, including, but not limited to, warranties or conditions of title or implied warranties of merchantability or fitness for a particular purpose or non-infringement, other than those warranties that are implied by and incapable of exclusion, restriction, or modification under the laws applicable to this agreement. In no event will Questcash or any person or entity involved in creating or producing the Site be liable for any damages, including, without limitation, direct, indirect, incidental, special, consequential, or punitive damages arising out of the use of or inability to use the Site, even if Questcash is advised or made aware of the possibility of such damages. By using the Site, you hereby acknowledge that the provisions of this section shall apply to all information on the Site. In addition to the terms set forth above, Questcash, its affiliates, and its third-party licensors shall not be liable, regardless of the cause or duration, for any errors, inaccuracies, omissions, or other defects in, or untimeliness or un-authenticity of, the information contained within the Site, or for any delay or interruption in the transmission thereof to you, or for any claims or losses arising therefrom or occasioned thereby. None of the foregoing parties shall be liable for any third-party claims or losses of any nature, including, but not limited to, lost profits, or punitive or consequential damages. None of Questcash, its affiliates, and its third-party licensors warrant or guarantee the timeliness, sequence, accuracy, or completeness of the information on the Site. Descriptions of or references to products, services, or publications within the Site do not imply Questcash’ s endorsement of such products, services, or publications. Indemnification By You You hereby agree to defend, indemnify, and hold harmless Questcash Corporation, its affiliates, third-party licensors, their respective directors, officers, employees, and agents and their successors and assigns from and against any liability, loss, claim, and expense, including legal fees and disbursements on a solicitor-client basis related to any violation of the Terms or your use of the Site, or any information on the Site. Disclosure A Questcash loan is an expensive form of credit and should not be used to solve long term financial needs, if you are having problems managing debt, you may wish to consider seeking credit counseling. Cost of Borrowing Cost of borrowing online is a maximum of $23.00 per $100 borrowed (the 'Loan Fee').By submitting the application and signing the loan agreement you the Borrower implicitly provide Questcash with a pre-authorized debit ('PAD') agreement in the amount of the Loan and the total cost of borrowing and agree to repay Questcash on the repayment dates specified in the PAD agreement. In the event of default which for the purpose of this agreement includes missing a payment on due date (i) you the Borrower shall pay Questcash a one-time charge of $50.00 for a dishonored cheque or dishonored pre-authorized debit; or missed payment and (ii) interest shall be charged on the outstanding principal balance at the rate of 30% per annum, until paid in full. Borrower's Right to Cancel You the Borrower have the right to cancel a loan, without reason or cost at any time before the end of the business day following the date that the loan agreement was entered into.  I agreeI disagree agree bd$cfg = { hostUri: "https://track.bigdatascoring.com",accountId: "4fefcc90-1b05-4475-ae42-0d9baea5d127", sessionId: "5f0e607d60103d76ea91f59e299735c0", pageTitle: "LoanPerson", fields: { FirstName : "form[first_name]", LastName : "form[last_name]", StreetAddress : "form[address]", City : "form[city]", ZipCode : "form[postal_code]", PhoneNumber: "form[cell_phone]", Email: "form[email]" } }; bd$exec = function() { (window.bd$queue=window.bd$queue||[]).push(arguments); }; Tue, 31 Mar 2015 17:31:27 +0000 https://www.questcash.ca/application https://www.questcash.ca/application Thank you!Your application is in process and someone from QuestCash will contact you within 15 minutesThank you for your application. If you have any questions please contact us at info@questcash.ca. Thu, 04 Jun 2015 18:00:28 +0000 https://www.questcash.ca/thank-you https://www.questcash.ca/thank-you How It Works At Quest Cash, we have created an online based application that is quick and easy to submit. To ensure your application is submitted in a timely manner, review your information thoroughly before submitting to avoid approval delays or having your application rejected. In order to be eligible for a Quest Cash loan, the applicant must have the following: 1. An active chequing or savings account 2. Valid email and cellphone number 3. Verifiable source of income Once your application has been approved, you will be notified immediately and funds will be deposited to your account within the next hour.   If your application does not get approved, you may have entered incorrect information or your criterion does not meet the specified requirements for approval. For further assistance with your application, our customer service representatives are available to help you with any inquiries 24/7.     Tue, 24 Mar 2015 20:50:08 +0000 https://www.questcash.ca/how-it-works https://www.questcash.ca/how-it-works Why Quest Cash Quest Cash offers a service that is fast, simple, and convenient. We have an online platform that enables you to apply right from the comfort of your home or while you’re on the go. Stuck with a history of bad credit? No need to worry, Quest Cash utilizes a personalized profile service that enables you to build your own credit profile with us.It feels good to start afresh isn't it? At Quest Cash, we want to ensure that our customers are receiving the best options. Our loans are payable over 30 days, whereas payday loans are payable on your next paycheck which usually is is every two weeks. Want to decrease your borrowing cost? Here’s how: 1. Ensure that all your payments are made on time,and if you are unable to make payment,notify us in advance. 2. Only borrow what you can afford to pay,that way you do not default on your loan and in return we give you low interest rates. 3. Utilize Quest Cash services and build your new credit score and reap the benefits through low interest rates. At Quest Cash, our goal is to provide customers with cash at a reasonable cost and we do not want to bury you in debt or get you stuck in the short term loan cycle.We do this by advancing only what you can realistically afford to pay and by offering you relatively low interest rates as you build a profile with us.   Interest rate Term Loan Quest Cash Short term loans Personal bank loan Credit cards Tue, 24 Mar 2015 20:50:18 +0000 https://www.questcash.ca/why-quest-cash https://www.questcash.ca/why-quest-cash About Us Tue, 24 Mar 2015 20:50:45 +0000 https://www.questcash.ca/about https://www.questcash.ca/about Tue, 24 Mar 2015 20:50:51 +0000 https://www.questcash.ca/news https://www.questcash.ca/news Personal financing is often times not as easy as it seems. It’s not uncommon to lose track of spending habits and get caught up in what seems like an insurmountable amount of debt.  Short-term loan services operate as a temporary safety net but if the right decisions aren’t made at the beginning then you could end up facing bigger debt problems in the long run. At Quest Cash, we are happy to provide a temporary safety net for our customers but we also want to ensure that our customers are protected once that safety net is no longer there for support. In doing so, we’re providing helpful tips and information to educate our customers on best personal finance practices. Managing your credit score is one of the most important aspects of building a personal finance record that is stable and secure. Here are six fundamental guidelines to follow to ensure your credit score is in the clear. Credit score numbers are determined by a number of factors. These include: payment history, outstanding debt, length of time you’ve had credit, new credit, and the different types of credit you have. Your credit score number is based on how likely or unlikely you are to repay borrowed money. Think of your credit score like a game of pinball, the higher the score the better credit rating you are going to have. Credit scores typically range from 300 to 850. It is possible to have more than one credit score depending on which score models are used. For example, a credit card company has a different score than an automotive lender. If your credit score is low, 600 or less, your options for loans become limited or can be more costly than the average loan. Low credit scores mean higher risk. The easiest way to boost your credit score is to make sure you pay your bills in time. However, there are other methods to improve your score such as reducing your credit card balance to 75% or less, keeping old credit accounts, and reviewing your credit score often to ensure there are no errors. It’s important to know where your credit score stands on a yearly basis. There are two national credit bureaus in Canada: Equifax and Trans Union. Each bureau provides the option to obtain your credit report at no cost or obtain both your credit report and score for a small fee. If you prefer to collect this information on your own, there are a number of services online that provide credit score calculators as well. For more questions about credit scores and how they can affect short-term loans, contact a Quest Cash Representative. Tue, 29 Mar 2016 23:02:35 +0000 https://www.questcash.ca/news/the-financial-safety-net-keep-your-credit-score-in-check https://www.questcash.ca/news/the-financial-safety-net-keep-your-credit-score-in-check When it comes to personal budgeting, it often seems like money has the ability to grow legs and run away from us before we even notice that it’s gone. The problem isn’t the money itself but rather our inability to spend it wisely with prioritized goals set in place. Budgeting doesn’t have to be a time consuming task, it can be much simpler if a proper routine for tracking your personal money is created. Here are five simple ways to track your personal money in a cost effective way.   1. Map Out Your Monthly Income Before you get started on putting your personal budget together, take a moment to analyze your revenue streams – when is your money coming in? How much money are you being paid? Once you’ve established your monthly earnings, then you can start putting together a comprehensive budget. 2. Keep Track of Your Spending Create a habit of writing down what you spend. Find a resource that works best for you like an excel document, a journal, or budgeting websites like Mint.com. It’s important to write everything down, even if it’s something as small as a cup of coffee, you’d be surprised how quickly it can add up. 3. Needs vs. Wants Break your spending habits up into two different lists: needs and wants. Needs are things like rent, household bills, and credit card payments that are high priority items. Wants are things like your weekly coffee habit, buying a new sweater, or purchasing concert tickets. Remember to keep in mind the differentiation between needs and wants to avoid over spending. 4. Monitor Your Cash Flow To calculate your cash flow each month, take your total income and subtract it from your total expenses. At the end of each month; you want to ensure your budget has a positive balance. If you end the month in a negative balance, you will have to revaluate and cut back on certain expenses to manage unnecessary spending habits. 5. Start Financial Goal Planning Once you get the hang of tracking your expenses regularly, start mapping out personal financial goals you would like to achieve. Financial goals can be things like saving for a new car, planning a vacation, or paying off your credit card within a specific timeframe. To get in the habit of achieving these goals on time, think of them as expenses and put set amounts of money towards them each month.  Fri, 12 Feb 2016 22:16:32 +0000 https://www.questcash.ca/news/personal-budgeting-the-basics https://www.questcash.ca/news/personal-budgeting-the-basics Life has a way of throwing us curveballs when we least expect it. Let’s say you’re a week away from your next paycheck, you’ve budgeted to pay for your upcoming bills and everything is going accordingly until you’ve hit a bump in the road, literally. You take your car to get serviced and the maintenance bill is higher than planned. You’re stuck in a dilemma because you cashed in your savings to put a down payment on a house. You need to pay your maintenance bill but payday is still a week away. Lucky for you, short term loans can help get you unstuck from this dilemma. Short term loans are an easy way to get additional money without the hassle of having to go through a lengthy loan process from the bank. Short term lenders, like Quest Cash, can deposit the money into your bank the same day you apply for a loan. It’s a simple and convenient as it sounds. However, there are a few important facts to know before purchasing a short term loan. These include: Short term loans are meant for small amounts of money; as the payback plans operate on a short-term basis, the amount for these type of loans typically doesn’t exceed $500. Short term loans are high-interest loans. Given the nature of short term loans (quick deposit, no bank application), interest rate fees can add another $10-15 dollars to your loan. Short term loans have an average payback policy of two weeks. The purchaser of the loan can provide the lender with a cheque to be cashed or direct withdrawal from the purchaser’s bank account. If a purchaser cannot pay the loan back within two weeks, default charges can increase the cost of your loan significantly. Short term loans are an effective way to get you out of an unexpected dilemma. However, make sure that you have a plan in place for repaying your loan before your purchase it. You wouldn’t want to get yourself stuck in another dilemma, especially an expected one. For more questions about our services, contact a Quest Cash Representative. Fri, 22 Jan 2016 16:38:05 +0000 https://www.questcash.ca/news/blog https://www.questcash.ca/news/blog Tue, 24 Mar 2015 20:51:00 +0000 https://www.questcash.ca/site-map https://www.questcash.ca/site-map