Articles

Learn more about the convenience and suitability of leveraging your pay to access short term cash advances. Read these independently researched articles written by Cash Doctors designed to help you with your finances.

The Low Down on the Unsecured Loan

If you are looking for money and you need it fast, an unsecured loan is probably on your agenda. An unsecured loan is not backed up by what is known as a "security" and can be some form of collateral, or even a guarantor who has signed... More>>

What Is The Best Loan Option For You?

You need money, and you're looking for the best loan you can get that will get you what you need - hopefully fast. Depending on your reasons for trying to find a loan, working out which is the best loan for you will... More>>

Debunking Bad Credit Loan Myths

Have you defaulted on your mortgage? Been declared bankrupt? Forgotten to pay your phone bill one too many times? If you have, chances are you have a bad credit history and possibly some debts to pay to unhappy lenders... More>>

There Is a Loan Service to Suit You

What's the best way to get a handle on the extensive range of loan service products that are available in today's financial marketplace? Well, firstly you have to decide exactly... More>>

Save Cash Fast With Cheaper Mobile Phone Bills

Did you know...$8.7 billion goes towards paying mobile phone bills each year? Amazing right? Mobile phone companies like Optus and Vodafone are giants in their industry who make millions and millions of dollars every year. More>>

Millions of Australians to Receive Fast Cash Bonuses

Millions of people all over Australia are waiting anxiously. Why? Because for several days now, negotiations have been going on to decide the fate of the Rudd government's $42 billion stimulus package. More>>

Loan Rates, What Are They?

Every day in the news you hear something new about interest rates, loan rates, the Reserve Bank, borrowings and what it all means for the average Joe. But what are loan rates and what do they have to do with you? More>>

Your Rights As A Consumer

With all the shopping that goes on not just during the holiday season, but throughout each year, there are a lot of purchases that are made where products are either faulty, not what the consumer thought they were, or the consumer simply changes their mind. It's important that you know your rights as a consumer... More>>

The Loan Calculator: A Useful Tool

There are plenty of reasons you might need to make use of the loan calculators available online. Chances are, if you are looking for a loan, before you choose your financial institution or lender of choice, you should have been tapping your details into several loan calculators over the internet to check it all out... More>>

Need an Easy Loan?

In an era when time is money, and finding an easy loan is the hardest part, that represents a real saving to most people as you can get on with doing more important things than propping up major financial institutions, justifying some loan officer's existence and lining yourself up for some heavy charges and fees.More>>

Online Money - Does Easy Access Equal Easy Excess?

Is it easier to lose control with online money? If you apply a couple of simple rules you can take control of your online money spending... More>>

Aussie's Want Aussie Loans

We Aussies are pretty particular about our beer, our beaches and our weather, and when it comes to loans, we also like to keep it in the family. More>>

Short Term Loans Explained

It's hard to pin down the definitive short-term loan and the repayment period can vary, but generally you would be required to pay off a short term loan in weeks or months up to a maximum of 2/3 years. In the majority of cases, the amount of a short term loan would range from a few hundred dollars to a few thousand, although a short... More>>

The Good News On Bad Credit Loans

Have you heard the term bad credit before? It has probably made you cringe with fear. Sometimes a bad credit rating is not really your fault, but whatever the reason, a bad credit loan can be one way to take the bad credit stress away, and help you to get back on the straight and narrow... More>>

How to Get Money Fast

There are many good reasons to slow down, but sometimes you just need to get money fast, and we understand this. The world moves too fast these days, we're driven by the desire to make more money, everyone wants money at lightning speed and the pace of life is so rapid these days that it's impossible to keep up... More>>

What You Should Know About Savings Accounts

Are you living pay check to pay check? Are there things you want in life, but don't have the money for? Are you dreaming about getting some savings behind you but don't know how or where to start? Well let us make it real... More>>

Personal Wants and Needs: Personal Loans

You want it. You just have to have it. But you can't pay for it right now? A personal loan may just be just the answer for you. A personal loan is usually also referred to as an "unsecured" loan, and is a tempor... More>>

Summer Meals On A Budget

Are you longing for lazy summer days? Do you imagine sitting by the water, looking fit, feeling happy and free? You want it, you got it. Summer has arrived! Roll out the towel, pump up the footy, fire up the barbie and let the goo... More>>

Free Financial Advice

The Beatles once said 'the best things in life are free.' We know not everyone will agree with that. But we do - because we've discovered one of those things. We've found financial counselling resources which you can use free of charge! More>>

Top 10 Ways To Save On Petrol

We seem to have a love hate relationship with petrol. Without it, our cars wouldn't start but with it our pockets are emptied. In these testing economical times it doesn't help that the price of petrol has been dramatically increasing ove... More>>

Have Your Tax And Spend It Too

It's that time of the year again...tax returns are due. If it's your first time lodging a tax return or even if you've done it before maybe using an agent, you might consider using the e-tax option this year. E-tax is an electronic lodg... More>>

Why The Bank Won't Buy You A Surfboard

Imagine this... You arrived at the beach for an early morning surf to find the sun glittering on the water like diamonds and 6-8 foot glassy waves coming into shore like there's no tomorrow. There are barrels galore, and only a handful of pe... More>>

The Inside Word On Shopping For A Credit Card

Credit cards, they're so handy to have, but when shopping for the right card for you, it can all get a bit overwhelming. Where should I go to get one? What features should I look out for? How much will I have to pay in interest and fees? Well w... More>>

On The Verge Of Bankruptcy?...You're Not Alone

If you've read the article 'Bankruptcy...It's Not Worth It' on the Cash Doctors website, you'll know a little bit about the ins and outs of this financial status and why it is an undesirable state to be in. But...If you play your... More>>

What's Your Cash Personality?

No one likes to think about money - unless of course it's winning lotto or getting a raise. But the daily choices that we make have an enormous impact on the kind of life we lead. Living in the consumption-focussed society of today, people ten... More>>

Living within your means - the power of self-discipline.

As you sit in your lounge watching the latest DVD on your new home theatre system, the sound effects are blasting and you feel those pangs of hunger getting stronger. 'What's for dinner?' you wonder, and then you remember...that's right. Baked Bean... More>>

Debit Cards - The Online Shopper's Safety Net

Shopping online is relatively new in the scheme of things. It's a craze that begun with just businesses selling their products (for example, a Cash Doctors payday loan). Now it's a world wide phenomenon that thanks to websites such as eB... More>>

The Fixed Cost Of Providing A Payday Loan

'Predatory' lending practices at the expense of consumer welfare seem to be a common occurrence in overseas payday lending industries. This can be backed up by countless research and evidence from the thousands of critics that i... More>>

Extreme Makeover - Credit Edition

When questioned about finances, the average Australian will tell you that they are confident about their money-saving, budgeting and debt managing capabilities. However, this is completely contradicted by recent findings that debt and bankrupt... More>>

Credit Rating VS Credit File

It's the almighty show down between credit files and credit ratings....what do they mean? And which is relevant to you? Let me explain... The credit system in Australia is often misunderstood by it's million's of credit consumers around... More>>

Credit Card Discipline Is The New Black

According to Dictionary.com discipline can be defined as "training and control of oneself and one's conduct, usually for personal improvement". When it comes to credit cards, training and controlling the way you use them will lead to perso... More>>

Cash Doctors Payday Loans - More Convenient Than A Convenience Store

As consumers, we place a high precedence on things that are available right here and now. The consumer mind-frame can be extremely fickle - 'if I cant have it now then I don't want it!' And fair enough too. With the technolo... More>>

What YOU Can Do To Speed Up The Loan Approval Process

Cash Doctors prides itself on being the fastest payday loan provider in Australia and providing a service that meets the needs of its clients when they need it most. On the odd occasion, there are times when loan approval can end up ... More>>

Be The Best You Can Be - Maximising Your Financial Potential

Work to live or live to work? If you're anything like me then you fall into the first category. Don't get me wrong, I enjoy what I do, but I do it so I can fund my lifestyle. Now this isn't some extravagant li... More>>

All's Fair In Love And Money

Moving in with your partner? That's a big step. Lets be honest, learning to co-exist can be hard. Either things go well and it's a stepping-stone for bigger things, or it allows you to see all those annoying little things that yo... More>>

What's the Deal With Rental Bonds?

When it comes to moving into a new rental property, there are a few costs involved which can add up and leave you out of pocket if you haven't got any savings. The cost that seems to cause the most confusion is the rental bond... More>>

Who Works At Cash Doctors

It's always interesting to know what's going on behind the scenes in an organization. Is it a bunch of predatory corporate stooges in a sterile environment or is it a fun place to work where everyone gets into it? ... More>>

What's The Deal With The Log-in?

The log-in really pulled together everything for our clients. People have there own area where they can apply, keep track of their loan applications, sign the contracts and look up the details of any old loans. Fir... More>>

How Cash Doctors Started

Quite often people ask me "How did you get the idea for Cash Doctors?" As is so often the case, necessity is the mother of invention. When I was in my early 20's I was living in Brisban... More>>

Is Credit Good Or Bad?

Before we get into bailing you out of trouble, let's explore the difference between money and credit. When either will buy those wicked sunnies or cute earrings, the difference can be blurry. Often when people use ... More>>

Bankruptcy....It's Not Worth It

If budgeting, negotiations, debt consolidation, or a debt agreement still fall short, then the last and least desirable option is bankruptcy. To file for bankruptcy you must complete a debtor's petition, statement ... More>>

Plan For a Secure Future

The future does not take care of itself. In your financial future, this is truer than any other facet of the future. Daily decisions compound to fill or empty your accounts for years to come. A plan helps weigh these decisions and mov... More>>

Don't Leave Your Christmas Shopping Until The Last Minute

Christmas is meant to be a time of happiness and festivity, but there are wide variety of reasons why for some people, just the thought of it can bring on a cold sweat. The temptation to spend, spend, spend at this time of year can sometime... More>>

Credit Rating... What's That?

These days you will here the phrase 'credit rating' being thrown around more than a cricket ball at the MCG. You'll hear it on the radio and see it on TV, but to a lot of people those two words don't mean a thing. What is a credit rating and how ... More>>

Exactly How To Budget - By Cash Doctors

Budgeting isn't that hard really, it's more a matter of actually doing it. Are you really going to do it though? People who smoke know they'll die sooner and they smoke anyway. They can't claim to be ignorant whe... More>>

Get Fast Money Online and Slow Down

These days, things tend to happen fast. You can be cruising along, all systems online, minding your own business, when all of a sudden you discover that you've driven into a financial h... More>>

Economic and Social Benefits of Payday Lending

Payday Lending Introduction A great deal of confusion and misunderstanding surrounds payday lending. From outside the industry, critics see high Annual Percentage Ra... More>>

New Cash Doctors Features

Throughout late 2006 and early 2007 Cash Doctors has been busy putting together some improvements to the way you can get your online payday loans. Below are explanations of the features as they apply to new and existing clients. Please contact us... More>>

More People Are Choosing Payday Loans

Daily, more and more people are choosing payday loans to meet the little emergencies of life. There are many good reasons behind this trend, and it may be that some of those reasons might help you with any little emergencies that you are fa... More>>

Golden Rule

Throughout the ages gold has remained one of the most prized metals, in fact one of the most prized substances of all time. This has lead to its playing a major role in the modern financial world as the very basis for some currencies, and a... More>>

The Lost Art of Writing a Cheque

Many people claim that we live in a "cashless society" with debit cards, credit cards, and internet electronic banking dominating the way in which we do business with one another. This author, however, considers it sad that we have taken the pers... More>>

Security Alert

This isn't about a virus creeping into your hard drive, it is about what you need to know about lending. Specifically, just what the difference between secured and unsecured loans might be. It may not seem like much, but when some bru... More>>

Isn't a Payday Loan Just a Micro Loan?

Micro loans are similar in size and appearance to a payday loan, and yet fundamentally different on a number of levels. These bear some looking into for those who may be seeking one or the other type of loan. Knowing as much as you ca... More>>

Should You Lease Or Hire Purchase?

To understand the best path for your situation it is crucially important to understand the differences between leasing and hire purchasing. They are subtly different in crucial points that can make more difference than you realize. Ca... More>>

Interest and Inflation: a Complex Relationship

Interest rates and inflation are tied together in a wide range of convoluted ways that get debated back and forth in financial circles constantly. To deal with them all has been the work of many important papers in the financial world, and ... More>>

Small Loans for Big Effect

Micro lending has moved into the forefront lately as a way for a little to go a long way. In relief aid, it has become the best way to help people help themselves break the circle of poverty. Just what it entails still eludes many peo... More>>

Bring it All Together

Debt consolidation loans have really moved to the forefront in the recent years, as people seek better ways out of debt. Just what is a consolidation loan and how can it help the average person has been much debated. Here at cashdocto... More>>

Is a Bond Loan Your Way Home?

When it comes time for a new place, but coming up with the full rental bond can be just out of reach for many people. If this is you, then a bond loan could be your best bet. Yet many people still aren't sure just what one is and how ... More>>

Reasons to Borrow Money

It may seem like an obvious statement, but there are a variety of reasons for people to find themselves in the position to borrow money. There is, in fact, an endless ideology that follows those that borrow money and are in the need of it. It is ... More>>

Mortgages and Lines of Credit: The Reality

A mortgage is the method of using property as protection for the settlement of a debt. The term mortgage refers to the actual legality of securing the property and is often commonly used to refer to the actual debt that is secured by using the mo... More>>

Defining Fast Clearance

Fast clearance, as a term related to payday loans and that industry as a whole, is best defined as the speed of the clearance time for your personal payday loan or the time in which your payday loan is made accessible to you as a borrower. A fast... More>>

Defining Credit Rating

A credit rating is used to determine the worthiness in terms of credit of a particular individual, company, or even an entire country. These ratings are calculated from credit history and relevant items such as financial history, current assets, ... More>>

Credit Cards and the Future of Mankind

A credit card is essentially a system that allows a type of retail transaction settlement to take place. It takes its name from the small plastic card that is utilized in the system and differs from a debit card system in that the credit card sys... More>>

Match The Debt To The Need

Many people these days get into temporary troubles that trail them for the rest of their lives. For these people, the options seem more limited than they actually are. This is why cashdoctors.com.au want you to know about all the opti... More>>

Just What Are You Worth?

At the mention of personal worth, most people immediately think of their bank balance, or salary, but personal worth goes much deeper. It is this deeper level that has to be address before wealth can be achieved and maintained. This i... More>>

Build Your Financial Dam

How is the river of your finances flowing? It isn't a difficult image to see, your cash flowing in, and flowing out to the various needs that crop up daily as your life moves on. The trick is in holding the flow long enough to see any... More>>

The Extensive and Exclusive Account of Payday Loans

Payday loans have not been in existence for very long at all, in terms of human history. One often wonders what would compel such a process; the act of lending money to a person with a paycheque pending but not quite adequate to cover shortcom... More>>

A Brief History of Credit

Credit is actually a formal bookkeeping and accounting term that refers to the charging of an account balance. The opposite of a credit, in terms of bookkeeping and accounting, is a debit. Assets and expenses in the account decrease when the acco... More>>

Professional Money Management

Many people weigh the discussion in their heads in terms of seeking out professional money management assistance. On one hand, paying someone money to assist in looking after money seems a bit ironic and, frankly, a waste of...money. On the other h... More>>

Convenient Money

The digital age has brought convenience to everyone's lives. Everything is rushing to get online and closer to the customer, from shopping, to education it can all be found out there. Now, thanks to Cashdoctors.com.au, you can e... More>>

Financial Control is Self Control

Emotions are a daily part of everyone's life, and just about everyone has the same ones. Yet, some people have everything together so much better than others all the time. If you are one of those people, you should probably be reading... More>>

Is Debt Consolidation Right for You?

There is no single answer to this question for everyone. It is all based on your situation and the type of debt that you need consolidated. You have to look at it very carefully to see if debt consolidation is good for you. Cash... More>>

Get In Charge of Your Money

Does it often seem that you run from financial emergency to financial emergency? This is all too often the truth for too many people. Day after day they have to put off one bill to pay a more urgent one, and then the next day ... More>>

Easy Loans In Australia

Cashdoctors.com.au has made the process of getting your payday loan in Australia even easier. We took an already convenient process and put it at your fingertips, by going online. The process is simple, and getting your money is fast ... More>>

Simplifying Your Debt

Debt builds all around modern life, and the many sources can become confusing and overwhelming. Car loans, credit cards, and bills can create monthly avalanche of paper, leaving you overwhelmed under the sheer paperwork. Eventually, e... More>>

Buying Your House

Most of us are not secure enough financially to make the large purchases for cash, and nowhere is this more true than that biggest purchase, your home. It is so common to finance the house, that an entire sector of lending has grown up ... More>>

Backing It Up

When you have finished that big report for school, or the final chapter of your future best selling novel, the first thing you do, if you don't want to lose it, is to back it up. So that if your trusty old computer picks that moment to slip... More>>

Properly Shopping for a Payday Loan

Getting the right payday loan for your specific needs can be a complicated task to undertake, but with the correct education and the precise information you can find the loan that will work best for you and offer you the most efficient help at th... More>>

Smart Grocery Shopping Tips

There are several great ways to reduce your overall grocery bill. Most people would suggest that your best ally for curbing overspending in terms of the supermarket extravaganza is to plan your trip before you hit the aisles of the store. Plan yo... More>>

Saving Money on Your Phone Bill

There really is no right or wrong way to save money on your telephone bill, but there obviously is a desired outcome that could deem your plan of attack successful or not. You want to maximize the savings on your phone bill without minimizing the... More>>

Recovering Your Credit Rating

If you have a bad credit rating, you do not need to hear more about how it can ruin your life and get you into poor financial situations without much effort. Instead, you are looking for a way out and a way in which to recover your credit rating ... More>>

Keeping On Point: The Methodology of Staying On Budget

When you have a budget for your family or a personal budget or even a corporate budget, it is vitally important that you have a strategy to stay in top of the budget requirements you have set for yourself. Failure to stay on target will render th... More>>

Home Loan Advice

Choosing the right home loan for your personal financial situation can be an intimidating task for even the toughest of fiscal veterans. In order to ensure that your goals are met within your budget, it is important to educate and inform yourself... More>>

The Speed of a Payday Loan

Many people interested in payday loans are concerned with the speed in which they will receive their money and how quickly the service will be administered overall. People do not like to wait in long lines or stuffy offices, so most payday loans ... More>>

The Real Life Effects of a Bad Credit Rating

Many of us can tell stories about how a bad credit rating affected our lives in one form or another. There are some that claim that a bad credit rating can affect every aspect of your life and force you into pits of fiscal and emotional despair t... More>>

What Does Happiness Cost?

As long as there has been money, the debate has raged as to whether or not it could buy you happiness. Probably, before then it was whether you could barter for it. Three yaks and a chicken for a few chuckles at Thag's Stone Pub, and ... More>>

Is there such a thing as good bad debt?

At first, the question may seem confusing. You might be wondering how there could be any such thing as a good debt. Furthermore, you are probably wondering what that means and how that relates to you and your personal debt. From your position, yo... More>>

Depressurizing Your Money

Finances can be a real pressure cooker. There are so many needs and so little money to go around, and each need clamours that it is the most important and should the one to come before all the others. How can you ever deal with it, an... More>>

What Have They Got That You Dont

History is filled with those that made some mark on the world. That reached a higher pinnacle than those around them. Most of us are among the others, those that didn't find their way to the top or reach the brass ring. Cashdoct... More>>

What Are Bad Credit Cash Loans

Is there any such thing as bad credit cash loans We understand that many people often make the relatively unimportant mistake of overlooking a due date to pay an account. The unfortunate thing is, being temporarily short of cash and missing a loan repayment... More>>

Things Change

Wouldn't it be nice if predicting the future was as easy as looking into the crystal ball, and we could know what change was coming our way before it came? Too bad that life just doesn't work that way. The future is a murky vision at ... More>>

Find The Excitement All Around You

Everyday we all have the opportunity to find a little excitement to add to our lives. These little chances can get away if we aren't seeking them out. Some put a bad face on sensation seeking, but without it, what do you have to remem... More>>

Five Reasons To Get Your Payday Loan

There are, actually, as many reasons as there are loans and people that seek them. However, here we will only concern ourselves with the five most basic, and important ones. This is because cashdoctors.com.au wants you to understand f... More>>

A Guide to Budgeting Your Living Costs

Living expenses are individual and depend on what type of "standard of living" you are used to. A standard of living essentially refers to the type of clothes you choose to wear, the type of food you choose to eat, and so on. If you have a hig... More>>

When the Going Gets Tough

Quite often in this life things happen that are not planned or forseen. These things can have a multitude of different outcomes depending on how you handle them. If you are find yourself in a position where you are unable to meet your fi... More>>