Online Borrowing: All You Need to Know – Is It Safe?

You can do everything online without having to be physically present. 

But the question of whether or not online borrowing is safe should be answered once and for all. 

Because you have every right to demand the legitimacy of a new trend before you can decide if it’s for you or not. 

We are therefore going to strip this subject apart and expose everything you need to know to help you make rational decisions; that you won’t regret later. 

First, let’s look at what makes online borrowing different from traditional lending, shall we? 

What Makes Online Borrowing Different?

Next time your kid asks you the difference between traditional borrowing and online borrowing, tell him or her it’s the ease of approval; meaning the process of approval is shorter in online lending and longer in a traditional loan. 

He is just a kid, and may not require you to throw a bunch of information to him, but what if you want to make someone understand the difference between the two succinctly?

Of course, you can do better. So, let’s discuss some of the differences between traditional borrowing and online borrowing. 

Easier Approval: Most traditional banks have become skittish these days. You have better chances of securing a loan if you have a good credit score. But what if you’re still in the process of building your credit score or you have been trapped in a loan shark lately? Online lenders can approve your loan request even when you have a low credit score because they have other mechanisms to evaluate you for the loan. 

Quick Approval: You can know almost immediately whether or not you have been approved when you borrow online. Unlike in online borrowing where you’ll know everything – from whether you have been accepted to the interest rates you’ll incur, traditional lending will take some time (in some cases up to six months) before you can know whether or not you were approved. 

Unsecured Loans: Unlike traditional borrowing where you have to pledge collateral before you can get approved, online borrowing doesn’t require you to pledge any of your assets that the lenders will be after in case you default in payment. In other words, nobody will come after your real estate apartments if you default in paying back your loan. 

Better Rates:  It doesn’t cost you anything to shop around and compare rates. You’ll settle on the best loan if you shop around and compare different rates every online lending platform has to offer. Sure, interest rates will indeed differ depending on the lending institution, but you can always get better rates. Most online lenders aren’t under some stringent regulations, so you should expect you will pay low-interest rates. 

How to Borrow Online

The process of borrowing online is almost similar to the traditional one; the difference is that online borrowing is faster and doesn’t require you to be physically present – everything is done online. You can check the detailed explanation about how to apply for loans on myinstantoffer. 

So, you visit any online borrowing site, fill the forms; which may need your details, social security number, and any other information required. 

Some online lenders may require additional information like your monthly income, your job description, so be ready to provide information regarding the same. 

After filling all the details needed, you’ll know instantly whether or not you have been approved (chances that you won’t get approved are minimal unless you didn’t provide every information needed.)

Why You Should Never Opt for Payday Loans

When you search online for online lenders, you’ll get plenty of search results, and you’ll need to be smart when choosing which online loans you are applying. 

In most cases, the results that will show up are payday loans that will require you to pay off your loan within one month. 

The reason why these loans are not suitable for you is that they have high-interest rates and will always leave you in loan sharks; jeopardizing most of your important plans. 

Not to leave you in the dark, here’s how you can identify such loans: 

Characteristics Of Payday Loans

Short Terms: Payday loans require you to pay back your loan within a month. Because you are not prepared for this, make sure you look for loans that you’ll pay over several years. 

High-Interest Rates: Most payday loans have high interest rates. Honestly, why should you pay higher interest rates when there are online lenders who can offer you low-interest rates? 

No Credit Check: Most of these payday loans don’t check your credit score, which is dangerous. The fact that you need a loan, especially on online lending sites doesn’t mean the lender doesn’t have to check your credit score. 

Upfront Payments: The truth is that no lender should ask you for upfront payment because those fees should come out from the loan. 

Over To You

By now, you should have an answer to the question: are online loan sites safe? 

You have all the information you need to decide whether or not you will opt for online borrowing.

5 Website Optimization Tools You Must Use in 2019

If you are a businessperson or digital marketer, the health of your website is something that you cannot compromise in 2019. Often, most people like you spend their time blogging, redesigning their sites, and trying to reach new clients on social media. The problem is not that these individuals pay attention to these matters. Instead, they have the wrong priorities and forget to optimize their sites.

Do you know that even if you redesign your homepage a thousand times, that will likely make no difference? It is now common knowledge that the homepage is dead. Instead of wasting your valuable time doing this, create several pages, and tailor each of them to your different customer segments. Do not stop there. Get the right tools to optimize the site. If you want to reap the excellent results in 2019, here are the tools that you must use now.

  1. Google Search Console

Google Search Console is the tool you need to know whether your site is performing as expected. If you have been online for a while now, you likely recall the Google Webmaster Tools. The name was changed, and it is what we are talking about here. Its function remains the same.

Google Search Console will analyze your site and give you a report that you can use to improve its rankings. Moreover, it can help you to boost conversions. Once you install this tool (free), it will begin collecting information immediately and giving the essential pieces of information.

  • Yoast SEO

This plugin will help you to create blog posts and website pages that are SEO optimized. Install it on your WordPress site and then activate. Once you do that, you will get access to all its features. It will tell you whether the readability and SEO of your newly created content are right or not.

Also, Yoast SEO will analyze your site and give you a comprehensive analysis of how each of these two fronts is performing. You can expect a list of warnings, potential concerns, and excellent results. Use either the premium or free version, depending on your ability, as any of them will give you substantial value.

  • Crazy Egg

If the other tools do not work for you, try Crazy egg. The idea is that there is no optimization protocol. If you want a tool that will allow you to collect lots of data based on user behavior, this is the best option for you.

You may also find Crazy Egg incredibly appealing to you because it is easy to use. One needs to sign up to be able to run the user behavior reports. Once you install it on your site, you can run these reports and get information on the source of your traffic, when your visitors scroll, and what they click on your website. Since it gives you a clear picture of how users interact with your site, this tool empowers you to see what you should improve to enhance the performance.

  • Optimizely

Just as we have said, you should never expect a website optimization protocol. Simply put, Optimizely may be what you need if the other options leave you unsure whether you are right or not. In fact, most users consider it the leading experimentation platform. Organizations such as Salesforce and IBM use it extensively to test parts of their website pages and use the findings to increase their conversions.

Optimizely is a full enterprise package that can help you to do other essential things, including website optimization and A/B testing. For that matter, it may not be right to compare it with many other optimization tools that you know. But the bottom is that you should go for any device that best meets your needs.

  • SEO crawler

Other than Optimizely, SEO crawler is an entire collection of useful tools that can handle a lot of tasks at ago. In case you are one of the individuals who complain that they are using too many tools, this one will sort you out. It will enable you to streamline all your digital marketing efforts to be able to optimize your site in minutes.

The Final Thoughts

As a professional, you need to have the best website optimization tools. You can go for as many or as few tools as you want. In some cases, just one will solve your problems. Sometimes, people call web experts and pay for the service, yet these tools cheaply offer the best solution. Some are free. Choose the one that you know will help you, and you will save a lot of money.

5 Effective Online Marketing Suggestions

If you own a business, then you must be looking for the most effective ways to attract and retain your customers. In the 21st century, you cannot achieve this if you do not have an effective digital marketing strategy. Many people who you want to reach are on social media and other digital platforms. So, you must define an innovative way to position your business in front of them. Here are some vital marketing suggestions that might help you to achieve this goal without breaking the bank.

  1. Target the Right Audience

Have you identified your target market? Engaging in online marketing will not help you until you do your home and identify who needs your products. Otherwise, you will be beating around the bush, which is quite costly. You determine your target audience only based on your products’ characteristics. Once you do that, you can create your business goals and budget that reflect the realities on the ground.

  • Brand Yourself

The present marketplace is characterized by cutthroat competition. The same people who you are targeting are probably someone else customers. Other brands are also competing for their attention.  For you to win them, you have to embrace the online personalization tricks that actually work.

Ensure you have a responsive website with a domain name that is your business’ title. The name should be unique to avoid confusion. Your website will make you look professional. Besides, you will be able to get emails with your domain name. This way, your business partners and prospects will be able to trust your emails. Most dishonest people use generic emails to steal from non- suspecting traders.  Thus, your site will help you to stand out in the crowd.

Remember to engage your audience on major social media sites. You want to build viable relations. Be creative and friendly. Whichever methods you choose, ensure you are consistent. If you do this, you can expect to reap handsomely before very long.

  • Provide Relevant Content

Give your target audience helpful content. There is no better way you can convince your customers that you are a knowledgeable and resourceful partner in their life journey. Post educational content on your industry. Your aim should be to be their trusted advisor. Once you achieve this coveted status, you will get more business from them.

But education posts alone will not give you this result. Inspire them as well. You can post a quote or a personal story that you cherish. Be sure that it is inspirational. Also, make it captivating by using attractive pictures, videos, or other forms of useful content.

Do not forget to promote your business. Be careful here, though. You should do this occasionally. People will turn away if you keep bombarding them with all sorts of selfish data. Your audience actually wants you to focus on them.  After entertaining, inspiring, and educating them for a while, you earn the right to let them know what your business can do for them.

  • Embrace Search Engine Optimization

Search engines can make your work exceptionally easy. Imagine working up one morning and finding lots of orders from people who learned about your business on the Internet. This is what Search Engine Optimization is all about. It can ensure that the essential things about your business get displayed on the first page of the search results.

How can you achieve this? Use keywords that most people search, backlink your site, customize your headlines, and more.

  • Blog

Create a blog to boost your business’ visibility. You will be free to post detailed and useful items on this platform. But you do not need to rely on your blog alone. Guest-post also on highly established blogs to reach a wider audience within a short time. Through this, you will be able to establish yourself as an authority in your industry. What’s more, search engines will rank your blogs favorably. As such, you will be able to market your products directly and indirectly while engaging with your followers.

The Bottom Line

Marketing businesses appear difficult for many people. There are plenty of ideas on the best way to do it. Some want help to choose the most effective ones. But the real truth is that online marketing is an art. Use these suggestions and continue exploring others. In the end, you will stick with the ones that work for you best. Nonetheless, you must offer useful content and remain consistent.

MozCon 2016

“Uplevel Your A/B Testing Skills”

A/B testing is a fundamental skill for growing all aspects of a business. In this talk delivered at MozCon 2016, I lay out a path for evolving from generating a/b testing ideas to hypotheses; from executing tests to automating the process; and from working with a team to encouraging advocates.



MozCon 2015 | Seattle

“Online Personalization That Actually Works”

My slide deck from the talk I delivered at MozCon 2015. Personalizing your online marketing may be a daunting idea right now, but after Cara breaks it down, you’ll realize why embracing it early will be transformative, highly lucrative, addicting, and not creepy. Learn a framework for personalization, ideas for e-commerce, media, and B2B business, and criteria for how to prioritize personalization ideas.