It’s tempting when times are challenging to accept the first offer you get – to act fast more than smart. But just because you need cash doesn’t mean you don’t have options. It’s in times like these, in fact, that it’s most important to pay attention and be strategic. We’ll help you do more than find the right consumer installment loans for your needs; we’ll help you think through the before, during, and after as well.
At Cashry, we believe that most people can take more effective control of their personal or small business finances if only given the right information, opportunity, and connections. We don’t loan money. Instead, we maintain a carefully curated database of reputable lenders. When you’re ready, we’ll get a little basic information about you and what you need, then connect you with the lender we believe is mostly likely to be the perfect match.
In every other area, businesses compete for your business. Restaurants, car dealers, streaming services, cell phone plans, grocery stores – it’s their job to win you over with the best products, best services, and best deals. Why should short term personal loans be any different? Whether your need is small or great, whether your credit is excellent or average or not quite what you’d like, you’re still the customer. Let lenders compete for your business and strive to keep you coming back. We’re proud of the years of feedback we’ve received confirming that we’re on the right track.
It should go without saying that you never want to take on debt unnecessarily. That doesn’t mean you should only consider personal loans when you’re desperate, however. There are many good reasons to take out a short-term unsecured personal loan.
Maybe you’re wanting to do some work in or around your house. A home repair loan or home remodeling loan might be a wise investment if you secure decent terms and use it to improve your quality of life or increase your home equity. Or maybe someone you love is getting married and you’re paying for the ceremony. While you don’t want to commit to more than you can reasonably afford, there are occasions in life which justify a little extra expense.
Family vacations. Paying off student loans. Consolidating high interest credit cards or other obligations into less expensive monthly installments. Moving expenses. Legal bills. Medical debt. An unsecured personal loan may not be your only option. It may not always be your best option when you have other alternatives. But the right loan might be your best move in some situations. Only you can decide that for your specific circumstances, but we can help you make a more informed choice and offer you options you may not even know you had.
The smartest time to think about your credit score and credit history is always.
Your past credit history largely determines what sort of loans you qualify for today. Your credit score is the number one factor lenders consider before making you an offer. It impacts the interest rates you’ll pay, what sorts of fees or other charges may be included, and even the total amount for which you may qualify. While a few percentage points here or there may not sound like much when you need a personal loan, the differences add up quickly over time. When financing a vehicle, a lower interest rate can mean saving thousands of dollars. When it comes to a home mortgage, a half point of interest can save (or cost) you tens of thousands of dollars.
Whether it’s fair or not, the reality is that our credit score largely shapes which options and opportunities are available to us, and at what cost. They can impact our insurance rates, our apartment rental, even whether or not we get hired for that job we really want.
In turn, how you manage your personal loan dramatically impacts your credit score. Even if you take out a personal loan for bad credit, timely repayment of that loan makes a difference in your overall credit history and your three digit score. Paying off high interest debt with a lower interest consolidation loan has an even greater impact.
Whatever your current credit situation, there are reputable lenders ready to compete for your business. Each time you make a payment on that loan on time, you’re investing in future opportunities and better terms. The best time to improve your credit score starts right now.
Finding the right personal loan for your circumstances is an important step, but it’s only part of the solution. Unified finance means taking more effective control of your income, debt, and spending, and that requires a workable household budget - which only YOU can manage.
We can help you figure out how to design that budget. We can offer professional insights and stories from others who’ve been where you are today. But only you can sit down and begin deciding exactly what’s truly important to you and how you’ll get there. It starts with a full accounting to yourself of the resources at your disposal and an honest breakdown of precisely where your money is going each month.
An effective budget won’t tell you how you should be spending your money. It’s YOUR money, after all. Before we can make better choices, however, we have to honestly confront our current spending. What do our current choices suggest is truly important to us? What have we traded away in pursuit of those things? If the answers aren’t what we thought they’d be, or what we want them to be, how do we begin changing them?
We can’t control everything that happens in this life, but we always have choices about how we respond. You’re already doing better than many others; let us help you take the next step.
We all have choices to make each month, each week - sometimes each day - about how we spend our time and how we manage our limited resources. It can feel like we’re juggling chainsaws, desperately trying to keep one or two things in the air at all times because we simply don’t have enough arms to carry it all at once.
Imagine you could slow down time a little and step back to watch yourself juggling everything. You could probably make a few little adjustments here and there to make the process more manageable. Maybe notice some things you’re doing well which you hadn’t really thought about, and catch a few things you’d missed that really aren’t working the way you’d thought. Maybe you’d even be able to move around the chainsaws, or get rid of one or two of them before time kicks back into full speed again.
Cash management isn’t something only big businesses have to figure out or something only rich folks hire others to do. Every choice we make about spending, borrowing, investing, or otherwise handle our money is a cash management decision. Should I put this on the card, take money out of savings, or apply for a small personal loan? Do I buy while the item I want is on sale, or wait until my previous balance is paid off? Should I keep this money in my checking account (where I can get to it more easily) or invest it towards retirement (when I’ll definitely be glad I have it)?
It’s your money. They’re your decisions. But we can help you make more informed decisions. We can offer you the tools and insights to act on your choices more effectively and more consistently. Want to make better cash management decisions? Start by choosing Goalry.
Can you save money while paying off debt? Can an emergency cash loan help you stabilize your finances and build towards the future? Is it possible that maybe all of our different financial decisions and concerns aren’t actually as separate as we’ve been taught to think of them? That every decision we make about our income, spending, and savings, involves the same money - OUR money?
The first step towards taking more effective control of your finances is a reality check. Unified finance isn’t about miraculous promises or simple solutions. We don’t have a magic formula or ten guaranteed steps to success. What we do have are the insights and tools for people just like yourself to change the way you think about money, and credit, and your ability to take care of the people you love. And yes, that includes thinking about savings.
The right personal loan can be an important part of taking better control of your finances. Paying off debt is always a good plan. Every working adult should start planning for retirement NOW, whatever your financial circumstances. And every family should prioritize having at least one emergency savings account.
Sound crazy? Maybe even impossible? It’s not. We can’t promise it will always be easy, but it doesn’t have to be as difficult as it often seems. And you don’t have to do it alone. Welcome to Goalry.