Let’s be honest – if you’re in a situation requiring you to borrow money to get something fixed, life is not exactly cooperating fully at the moment. There’s nothing naturally convenient about confronting this sort of challenge.

That doesn’t mean, however that things have to be more difficult than they already are. The reality is that you have options today that wouldn’t have been available a generation ago. The world of finance has been transformed by the internet and the viability of online lending. You’re no longer left with a choice between borrowing from your grouchy Uncle Harold or taking time off work to visit the loan officer at your local bank. Online lenders offer a range of specialties and services and surprisingly competitive rates – all without having to endure a lecture about why you never should have let yourself end up in such and such position or losing a day’s wages. As long as you have access to a computer, laptop, or phone, you can do business when and where it works for you. And you might be surprised at how quickly you receive a response.

You may be worried about your credit history and whether or not you’re automatically out of luck for a repair loan. To be sure, your credit score matters. A higher number means access to better rates and sometimes more flexible terms. You will no doubt encounter some lenders who aren’t interested in working with you unless your credit score and history reflect a certain level of convenience and low-risk for themselves. That’s the nature of the lending business.

But other lenders specialize in loans for bad credit and in borrowers looking to build or rebuild their credit. They may be willing to take a chance on you in hopes you’ll come back to them when you need a loan in the future. Between now and then, you’ll be making your payments, refining your household budget, establishing a stronger credit history while raising that score. Oh, and hopefully you’ll have those repairs finished as well!

That’s a large part of what Goalry is all about. You may not know where to shop for a repair loans online, or even what questions to ask. We can help with that, and so much more. Whenever you’re ready.

We all want to make the best decisions we can when it comes to purchasing and maintaining our homes, our vehicles, and our other worldly goods. At the same time, most of us endeavor to spend wisely as well. From time to time, we anticipate poorly and end up in need of immediate funds for essential repairs. It’s not how we planned it, but it is often how things go.

That doesn’t mean we can’t manage our circumstances with an eye on the future. A repair loan doesn’t have to be taken out carelessly and need not leave us feeling behind in the game. The right loan can not only help us solve our immediate problem, but may act as an opportunity to strengthen or rebuild our credit history going forward. By choosing the right online lender and negotiating the best available terms, we’re taking a difficult situation and turning it into a positive. Every payment we make, on time and in full, is a mark in our favor. A better foundation for the future. And in the meantime, those essential repairs are handled.

It may seem a bit Pollyanna, but our financial future is as much about mindset and small choices as it is major events. We’re often told that we can’t always control what happens, but we can always control how we react or respond – and that’s precisely what this moment is all about. What happened matters, to be sure – but how we react and respond matters more.

At Loanry, we can’t make the decisions for you, but we can help you find possible lenders. Just as importantly, we can help you seize this moment to take more effective control of your finances and your financial future. This moment will pass, and you’ll come through better off than before. After that, it’s all about where you want to be a year from now, five years from now, and ten years from now.

We can help you get there.