When you are living on a fixed income—whether it’s ODSP, CCB, or a minimum wage job—an unexpected bill can feel like a disaster. The temptation to take a “quick cash” loan is huge. But for […]
“Your income is too low.” Hearing this from a lender is frustrating, especially when you know you can afford the $50 weekly payment. But in Canada, approval isn’t just about the size of your paycheque—it’s […]
If your primary income comes from the Government of Canada, you might feel like the banking system has locked you out. When you walk into a major bank (like RBC or TD) and say your […]
Living on a fixed income or government benefits in Canada often means your budget is tight. When an unexpected expense hits—like a car repair or a dental emergency—you might assume that banks won’t lend to […]
Being declined for a loan when you are already financially stressed is terrifying. It feels like the walls are closing in, and the only way out is to find a “guaranteed approval” lender who charges […]
Hearing “No” from a lender is discouraging, especially when you need funds urgently. In Canada, a declined loan application often has less to do with your past credit history (your Equifax score) and more to […]
The moment you hit “Submit” on a loan application can be nerve-wracking. If you have a history of bad credit—missed payments, a consumer proposal, or just a low score—you might assume the answer will automatically […]
Having a bad credit score in Canada feels limiting, but it does not mean the door to borrowing is completely closed. Whether due to past mistakes, a consumer proposal, or simply a lack of credit […]
When you are short on rent or need groceries, a “No Credit Check” loan feels like the only option. Lenders know this. That is why they charge interest rates that can effectively reach 300% or […]
If you have been declined by a major bank like RBC or TD, the world of alternative lending can be confusing. You see ads for “Bad Credit Loans” and “No Credit Check Loans” side-by-side. Are […]
Copyright © 2026 | KREDIKS | Krediks helps people understand credit-related decisions before they make mistakes.