Finding A Hassle-Free Installment Loan in Ontario

We have all been there. Suddenly, and without any warning, you have a surprise expense that far exceeds the amount of money you have in your savings account. Maybe you have been planning that once-in-a-lifetime dream vacation for the last few months, and now that you finally have enough time to take off from work, you find that you don’t have the money you need to cover the cost of the trip. Or maybe have been planning the wedding of your dreams only to realize that you are thousands short of the money you need to fund your wedding expenses.

Four Tips for Finding an Installment Loan That’s Right for You

Regardless of how your big plans have fallen short of the money you need to fund them, an installment loan is a great way to get the cash you need when you need it most. Here are some helpful hints for finding a hassle-free installment loan in Ontario to cover any big expense.

Tip #1 – Cash Loan Amounts

Find cash loans that offer what you need. Get the amount you desire, but don’t get stuck borrowing more than you need. Keep in mind that once you pay off your loan, you can always apply for more money when you need it. As an added bonus, you’ll build good credit by making regular payments on time,

Tip #2 – No Hidden Fees

Do your research when searching for an installment loan to ensure you avoid paying unnecessary fees. Some money lenders charge an application fee, sneak in other hidden fees, and charge costly insurance fees, which means you will pay more over the life of your loan.

Tip #3 – Affordable Payments

Find an installment loan that offers realistic repayment terms. Choose a lender that offers fixed payments, fixed rates, and no prepayment penalties, so your loan payments never go up.

Tip #4 – Look At Ratings and Reviews

Always do your due diligence by looking at a money lender’s ratings and reviews, which can tell you a lot about a loan company. Choosing a lending company that has excellent customer service ratings and shining customer reviews can make the entire loan process stress-free.

Find An Installment Loan Near You

Following these simple hints can lead to a big payoff for you. The key is to work with a reliable and transparent money lender that offers a simple loan application process, relaxed credit requirements, and sensible repayment terms to match your budget.

Cash 4 You is the number-one money lender in Ontario that offers all of these perks and so much more. That’s because they want to make the entire loan process quick and painless for you, so you can get the instant cash you need to fund all of life’s adventures. When you apply for an installment loan for your chosen amount of up to $15,000, they offer a fast and easy approval process and you can get your cash-in-hand the same day. What’s more, there are no application fees, no costly insurance fees, and no surprise charges, which means you will pay less over time. Cash 4 You has more than 100 locations across Ontario, so drop by and see them for a personal loan that just makes sense.

Choosing The Right Lender For A Payday Advance

When you need cash fast, one of the easiest ways to get it is through a payday advance. But a far harder challenge is finding the right payday lender. No matter where you look, you’re sure to find a litany of lenders, each offering their own take on this useful personal loan. But even though they’re all offering the same thing, they’re doing it in very different ways. So how are you to choose the right payday lender for you?

Start By Scrutinizing the Website

In this day and age, there’s no reason for a business not to have a nice looking website. If the lender has a storefront, but no website to be found, then it’s probably a good sign you shouldn’t do business with them.

Once you’re on the site, take a look around. Look for consistent messaging between pages about their services, rates, and other products. Be on the lookout for little things like misspelled words or strongly constructed sentences. These could be signs that the lender isn’t as legit as they’d like you to think.

Look Into Their Reputation

Using Google reviews, or even the reviews here on Top Rated Local®, is a great way to find out more about the lender. If people feel that the rates were too high, or the repayment schedule too tight, you’ll hear about it on the reviews. Look for money lenders that are reviewed highly and are known for being polite, professional, and helpful.

Figure Out How Much You Need To Borrow

Some lenders have caps on how much you can borrow, like $1,500 at a time. While you might jump at the chance to take out as big of a payday loan as you can, it’s important to remember what the loan is for. It’s to substitute your income in a pinch, not supplement it. Remember that you’ll have to pay this loan back in a week or two on your next payday.

Make sure you’re only borrowing as much as you need. So if you’ve got an unexpected bill that simply can’t wait until payday, take out a cash advance for that amount. That way, when payday does arrive, you can quickly repay the loan. The right lender won’t push you to take out any more than you need or can afford.

Find Out More About the Rates and Fees

With a loan figure in mind, it’s time to start asking the lender about fees and rates. They should clearly outline these fees and rates in the loan agreement and should also take the time to explain them to you. It’s important to understand these numbers, as they will impact how much you actually have to pay later. You don’t want to get a great loan but then get nailed by high-interest rates or hidden fees.

Find the Right Lender For You

Finding the right payday loan lender in Ontario is easy when you visit Cash 4 You. With more than 100 locations across the province, you can get a payday loan as soon as you stop by! Find out more about their payday advances then get the money you need when you need it.

Does Your Pool Have A Leak?

Perhaps you are like many other pool owners across the nation, and you find yourself needing to add water to your pool fairly often. We aren’t talking about an inch or two of water over the course of a month, which is due to evaporation, but more so a significant loss of water each day. If you find that your pool is losing between ½ inch to an inch of water every day, your pool probably has a leak you need to find and address. Below, we’ll discuss exactly how inground swimming pool owners should go about that in the right way.

Why Your Pool Leak Must Be Repaired

Pool leaks must be fixed as soon as possible for fairly obvious reasons. Chiefly, you don’t want to have to keep adding water to your inground pool unnecessarily. But pool leaks spike your water bill and might even waken subsoil in inground pools.

Before you are able to determine whether you can repair the leak yourself or if you need professional pool leak repair, the first step is naturally to find the leak itself. Next, you need to identify the severity of the leak.

If you simply shrug your shoulders and wait for the issue to resolve itself, we’ve got some news for you — your future-self will not be pleased with your present-self! You’ve created a headache for yourself that is completely unnecessary, due to the increase in heating bills, water replacement costs, not to mention the chemical loss and strain on pool equipment that leaks frequently cause.

Testing For A Leak: The Bucket Method

Before you call pool maintenance professionals to fix your pool leak, it’s a good idea to perform a test in order to see if you actually have a leak. Do this by filling a bucket with water about an inch from the brim. Place the bucket on the first step of your pool, marking the inside water line and the outside water line on the bucket. Then let it sit for 24 hours before you check on the water levels. If both water levels have dropped the same amount, the supposed leak is probably just evaporation. If, however, you find that the water level outside of the bucket is less than the level inside it, it’s time to call a pool repair company to perform a pool leak repair.

Why Professional Pool Maintenance Is Key

For the DIYers out there, it might be enticing to attempt to repair the leak yourself. Truth be told, depending on the type of leak, you might well be able to patch over the leak or even perform a vinyl replacement liner repair.

An Investment Worth Protecting

But it’s equally true to say that your inground pool is an investment worth protecting. And while it’s plausible to perform a simple patchwork job, many pool leaks are difficult to identify. It takes experience and industry knowledge to perform a comprehensive analysis while making sure the pool repair administered is both exhaustive and effective. Learn more about the pool leak repair we offer at Pool Werks.

About The Author: Pool Werks

Pool Werks is a pool cleaning service provider in Crystal Lake, IL that specializes in inground pool maintenance and repair. Pool Werks is passionate about their affordable, professional, and honest approach to inground pool repair and maintenance. With state-of-the-art equipment, cost-effective rates, and a dedication to doing right by their customers, they are the Top Rated Local® pool service & repair company in Crystal Lake and beyond!

For clean, clear, beautiful pools, contact Pool Werks at your convenience. They’d love to hear from you and resolve your swimming pool repair needs as soon as possible!

South Carolina’s Top Rated Local® Chiropractor Award Winner: Delson Chiropractic

Top Rated Local® is pleased to announce that Delson Chiropractic is not only one of the top five chiropractors in South Carolina, but one of the top 20 businesses in the state overall!

“Dr. Delson has helped me so much and in so many ways! I had 2 pregnancies, one without chiropractic care and one with. The pregnancy that included regular care from Dr Delson was completely pain-free and the birth was quick and easy compared to my first birth which was long and difficult. She helps keep my neck loose and my sciatica is gone! I can not recommend her enough!” -Audrey T.

Reviews like this have helped earn Delson Chiropractic a 99.50 Rating Score™, a 4.95 average star rating, and a 2019 Top Rated Local award!

Not Your Average Chiropractic Practice

Dr. Evaline Delson, the owner of Delson Chiropractic, took some time to speak with us about her business’ exceptional online reputation.

It’s no secret that Delson Chiropractic is doing something right. After all, they are an award-winning business. We asked Dr. Delson what it is that makes her practice stand out from other chiropractors in the area. “I would first want to say that I think it’s important that they go to a chiropractor, whether it’s me or whether it’s somebody else. I just think that it’s important that people get their spines checked,” she said. “People have no problems getting their teeth looked at every 6 months, the difference between your spine and your teeth is that you can get false teeth, you can’t get a fake spine, so it’s important to see a chiropractor.”

Building Success Through Tremendous Service

We were also interested in finding out what the secret to Delson Chiropractic’s success is. However, when we asked, she simply said, “I don’t have a secret, I just think that people nowadays are just kinda media intense, social media they go on and if they like somebody they say something and if they dislike somebody they put it down, I guess. I’m old school.”

With tons of industry expertise and a keen sense of service, Dr. Delson knows what it takes to create an awesome reputation for your business. Here’s her advice to other businesses:

“I really think that, especially when you are first starting out, you just have to go out there and get your feet wet and get your name known. You have to put in the hours. You have to let people know.. basically plant the seed. Go out, do lectures, do talks… I’m selling myself and my hands and my knowledge, so I did a lot of lectures. I taught some classes. I do some functional movement classes, and then some spine classes, health talks, health fairs at the different businesses here locally: Boeing, all these different places here. You just got to get your name out there. You want to look at each person as an individual, and even though you are out there and you’re talking you don’t necessarily want to bring them in that moment, you’re just planting seeds.”


Congratulations to the team at Delson Chiropractic for being a 2019 Top Rated Local award winner, and thank you so much, Dr. Evaline Delson, for taking the time to speak with us!

New Jersey’s Top Rated Local® Employment Agency Award Winner: J & J Staffing Resources

Top Rated Local® is pleased to announce that J & J Staffing Resources is one of the top three employment agencies in New Jersey!

With a 91.00 Rating Score™, a 4.80 average star rating, and tons of positive online reviews, J & J Staffing Resources is a 2019 Top Rated Local award winner! Here’s just one of the reviews that got them here:

“I had a wonderful experience with J & J. The staff were very friendly and helpful when I had a question. They were able to set me up with a company that was in the location I wanted, and with the benefits I wanted as well. I now have a great career, and it started with J&J! They really listen to what you want, and I would highly recommend them. -Rebecca-Ann D.

A One-of-a-Kind Employment Agency’s Secret to a Strong Online Reputation

Andrea Indelicato, the regional manager of J & J Staffing Resources, took some time to speak with us about the business’ online reputation.

Of course, the very first thing we wanted to know was J & J Staffing’s secret to success. When we asked Andrea, she attributed it to one thing. “Service! Exceptional Service. We get to know the candidate and their employment needs, their work history, who they are and what they’re looking for. We do the same with the companies that we’re filling for — what they’re forecasted for with staffing, a detailed job description and fully understand the job,” she said. “We don’t just send bodies and hope they stick, we’d rather tell them that we don’t have a good fit for now. 47 years in business! I’ve been with the company for 15 years and we treat our own employees really well. People will do business with people they trust and know.”

Making the World a Better Place By Finding Good Jobs For Good People

Being an employment agency, J & J Staffing Resources team is passionate about helping people. In Andrea’s words, “Staffing success begins here. It does begin with us and the company is only as good as the people that work for it. We find great jobs for great people. It’s what makes us great — we have great people. You can’t have one without the other.”

The following is Andrea’s advice to other businesses that are looking to improve their online reputation:

“Get to know the needs of your clients. Be a part of your business community and network with folks. Get to know what they’re all about and get connected. Build relationships. There are a lot of different companies that say the same thing but it’s about building the relationships and listening to what they’re telling you and truly understanding.”


Congratulations to the team at J & J Staffing Resources for being a 2019 Top Rated Local award winner!

South Carolina’s Top Rated Local® Computer IT Service Award Winner: iRevive

Top Rated Local® is pleased to announce that iRevive is a 2019 award winner!

With a 96.26 Rating Score™, a 4.93 average rating score, and tons of phenomenal online reviews from happy customers, iRevive is one of the top three computer IT services in the entire state of South Carolina! Here’s just one of the reviews that got them here:

“If you have a Mac, this is THE place to go for service. The owner, Esteban Millard, will personally and patiently assist you and thoroughly explain the repairs in terms you can easily understand. The pricing is reasonable and the turnaround is very quick. He also stands behind his work should there be any issues after he makes the fix. While the Apple store in Haywood Mall is great too, you’ll find this to be a much quicker and better alternative when you need expert technical help and want to get your Mac fixed up fast.” -Mark M.

A One-of-a-Kind Tech Repair Shop’s Secret to a Strong Online Reputation

Esteban Millard, the owner of iRevive, took some time to speak with us regarding his business’ extraordinary online success.

First things first, our team asked what it is that sets iRevive apart from other computer and IT services in South Carolina. When we asked why people choose iRevive over their competitors, Esteban said, “It’s because we are local and a mom and pop. Most of our competitors here in town are franchises, therefore they are more driven to get you in and out of the shop, unlike us because we are more likely to establish that relationship with the clients. Also, our specialty is Apple products. We try to offer that quality of service without being affiliated with them.”

Making the World a Better Place By Providing A Much Needed Service

When it comes to a secret to success, Esteban says it’s all about offering a better solution to people’s technological woes. “We are trying to bring a service that is in demand that is not really being catered to in Greensville,” he told us. “We see people getting jerked around too often. So what we try to do is help people repair their device instead of replacing them at a reasonable cost. We try to make an inconvenient situation as convenient as possible.”

Here’s Esteban’s advice to other businesses that are looking to improve their online reputation:

“I would say social media is very strong nowadays. So if you were to grow you definitely want to be active on social media in your local community. Driving home word of mouth, giving people really good customer service. Whenever you are done servicing them make sure you shoot them a follow-up email.”


Thank you for speaking with us, Esteban! Congratulations to the team at iRevive for being a 2019 Top Rated Local award winner!

South Carolina’s Top Rated Local® Barber Shop Award Winner: Frank’s Gentleman’s Salon

Top Rated Local® is pleased to announce that Frank’s Gentleman’s Salon is a 2018 award winner!

“Very clean and friendly place. You are greeted and then taken to a small ‘man-cave’ waiting area. [You receive] two complimentary drinks with your appointment; I went in the am, so coffee, but they have beers and whiskey as well. [My barber] was great, wonderful haircut and service. Haircut included: cut, wash/condition, final trim w/razor, [and] style. Reasonable prices for what you are getting. I would highly recommend!” -Craig P.

That’s just one of the more than 300 rave reviews Frank’s Gentleman’s Salon has received on verified sites from happy customers. These reviews have earned them a 97.23 Rating Score™, a 4.62 average star rating, and a spot among the top 10 barber shops in the entire state of South Carolina.

Not Your Average Barber Shop

Karen, the manager of Frank’s Gentleman’s Salon, took some time to speak with us about the business’ outstanding reputation.

We first wanted to know what it is that keeps people coming back to Frank’s Gentleman’s Salon, instead of other barber shops in the area. When we asked Karen, she said, “They get top-notch service, they come in to relax. It’s their 30 minutes to just relax and not think about anything. They’ll get the best haircut they have ever had.”

Building Success By Keeping Things Consistent

When it comes to the Frank’s Gentleman’s Salon secret to success, Karen credits it to their ability to give each and every client the very best. She says the secret is “Customer service and [an excellent] experience. The fact that our stylists are top notch, our barbers are the best, and we have a great team here. They all work together, and they make sure that every client gets the same experience. Every client, every time. No matter if it’s their first time or their 10,000th time, they get the same experience and great quality of service every time. One of our mottos is, ‘It’s not just about the little things, it’s all about the little things.”

Here’s Karen’s advice to businesses that are working on their online reputation:

“Treat everyone equally with the same respect, give them amazing customer service, be the best at your craft that you can be. Make sure everyone is satisfied before they walk out the door.”


Congratulations to the team at Frank’s Gentleman’s Salon for being a 2019 Top Rated Local award winner, and thank you so much, Karen, for taking the time to speak with us!

Virginia’s Top Rated Local® House Cleaning Award Winner: Dust Bunnies of Hampton Roads

Top Rated Local® is pleased to announce that Dust Bunnies of Hampton Roads is not only the number one house cleaning company in Virginia, but one of the top 50 businesses in the state overall!

As a 2019 Top Rated Local award winner, Dust Bunnies of Hampton Roads has an impressive 99.20 Rating Score™, a 4.92 average star rating, and 50 phenomenal reviews on verified review sites. Here’s just one tremendous review they’ve received:

“My fiancé and I hired the Dust Bunnies to clean the apartment we were moving out of in Hampton. We were moving into our first house and the thought of relocating from a third floor apartment and having to take on a three bedroom house seemed daunting. Neither one of us wanted to clean two places! Luckily, the Dust Bunnies were available! Very flexible with scheduling, professional, and we trusted them since they were bonded and insured. We’re excited to get our security deposit back since they did such a great job! I know we will use them in the future!” -Suzanne M.

Not Your Average Cleaning Company

Victoria Mitchell, the owner of Dust Bunnies of Hampton Roads, took some time to speak with us about her business’ outstanding online reputation.

Our team was particularly interested in finding out what it is that makes Dust Bunnies of Hampton Roads such a stand out company. “We take great care of our staff so they can take great care of you and your home,” Victoria said. “Our mission is to provide the highest quality cleaning and service at a competitive price.”

Building Success Through Online Savvy

We asked Victoria what the Dust Bunnies of Hampton Roads secret to success is. She said, “[It’s] a user-friendly website with lots of information and online functionality for our clients.”

Being an award-winning business owner, Victoria knows what it takes to make a business shine online. This is her advice for other businesses:

“A variety of social media platforms are the key to being discovered, and an informational website will get people on the phone. The attitude and service they receive after the first call is what keeps you in business.”


Congratulations to the team at Dust Bunnies of Hampton Roads for being a 2019 Top Rated Local award winner, and thank you so much, Victoria, for taking the time to speak with us!

South Carolina Top Rated Local® Restaurant Award Winner: Sassafras Southern Bistro

Top Rated Local® is pleased to announce that Sassafras Southern Bistro is a 2019 award winner!

“The food was amazing. The wait staff was incredible, especially with my children. We were celebrating my son’s ninth birthday, and they made him feel so special. They made them feel so special instead of bothered by them, like some nicer restaurants have in the past. We will definitely be back. So much more to try on the menu.” – Maria M.

Reviews just like that make Sassafras Southern Bistro one of the top 10 restaurants in South Carolina, with a 97.48 Rating Score™ and a 4.65 average star rating!

Not Your Average Restaurant

Mike Byrnes, the general manager of Sassafras Southern Bistro, took some time to speak with us about the business’ outstanding online reputation.

If you’re wondering what it is that really sets Sassafras Southern Bistro apart from other restaurants in the area. Mike credits it to their incredible service and mouthwatering food. “[It’s our] unique southern dishes that are not skimped on quality or quantity! You will never leave feeling hungry! We really have great quality dishes with some original recipes on our menu. Our chef also does specials for the day in addition to our fantastic, traditional menu. Our hospitality is always on point and brings people back time and time again,” he said. “We provide a great place to have a meal with friends or family — we hope to make it feel like home. Our general area is exploding, and we’re getting tons and tons of visitors from everywhere. If you’re coming here you’re most likely going to want to try true southern food! Bring your friends, family, associates — everyone will get a great southern experience and hospitality. You’ll always have a wonderful experience with us.”

Building Success By Going Back To Basics

We couldn’t let Mike go without finding out the Sassafras Southern Bistro secret to success. After all, it takes something special to become a Top Rated Local award winner. “I would say we’re taking it back to basics for restaurant mentality,” Mike said. “We’re focused on great service, great food, getting back to the core of it and wowing people to give them a reason to come back. We took over in December 2016, but it’s been around since May 1999 — so we will be celebrating 20 years this May. The menu is consistent over time with great favorites. We make sure each guest that comes in gets a great, consistent experience every time.”

Here’s Mike’s advice to other businesses:

“Be yourself and try to be different. People like things that are different and stand out. The farm to table movement is big, but people are looking for something outside of a chain. So again, don’t bite off more than you can chew. Don’t have an overwhelming menu. Have a consistent execution of the dishes you excel at, and stick to what you know. Just do you!”


Congratulations to the team at Sassafras Southern Bistro for being a 2019 Top Rated Local award winner, and thank you so much, Mike Byrnes, for taking the time to speak with us!

Alabama’s Top Rated Local® Beauty Salon Award Winner: Terrame Day Spa & Salon

Top Rated Local® is pleased to announce that Terramé Salon and Spa is not only the number one salmon and spa in the whole state of Alabama, but one of the top 15 businesses in the state overall!

“I always have an amazing experience at Terramé. The owners are honest and caring. The employees are amazing. The customer service is exceptional. You will certainly be well cared for. They offer everything from head to toe. Hair, facials, massage, pedicures, spray tan, make-up etc. I highly recommend this place.” -Meghan C.

That’s just one of the more than 2,000 fabulous reviews Terramé Salon and Spa has received on verified review sites, giving them a perfect 100.00 Rating Score™, a 4.98 average star rating, and a 2019 Top Rated Local award!

Not Your Average Terramé Salon and Spa

Charles Johnson, the co-owner and manager of Terramé Salon and Spa, took a moment to chat with our team about his business’ outstanding online reputation.

As an award-winning business, Terramé Salon and Spa is certainly doing quite a few things right. When asked what it really is that sets them apart, Charles responded, “We are always up to date on new techniques. We spend hundreds if not thousands of hours on training. Knowing what we’re doing and how we deliver on that is very, very important to us to get the person the most out of whatever service they are getting.”

Charles and the rest of the Terramé Salon and Spa take immense pride in their work, in large part because they get to help people take a break from their busy lives. “We really create an environment to help people relax for a little bit,” he said. “We think by having people unwind and get off their electronics and all of those things to kinda help people relax and think about their life in general instead of being in the hustle and bustle of everyday life, that’s a piece of it. We also do hair and makeup and those kinds of things also, so they then help people feel good about themselves to hopefully create a friendlier atmosphere to the people that they are around.”

Building Success Through Community Involvement

In Charles’ eyes, the Terramé Salon and Spa secret to success has a lot to do with their community involvement. When we asked, he said it’s “The strong connection we have with the community. We really take part in a variety of ways, kinda connecting us to different organizations through charitable work and donations. We work with Huntsville Hospital, Huntsville Museum of Art, and Huntsville Symphony. There are a lot of others, but those are the main ones we work with.”

This is Charles’ advice to other businesses that are working on their online reputation:

“Have a strong online presence; we’ve been doing this a long time, so I think what matters is that you are always doing what is right. As long as you are doing what is right over the longevity of your business, people will come and use your services. You have to build a trust relationship, so they know who you are and what you do and know that you are a reasonable business. You have to have a strong financial background to know where your money is all the time, and all that is very important to grow and maintain longevity you’re going to need that trust in the community.”


Congratulations to the team at Terramé Salon and Spa for being a 2019 Top Rated Local award winner, and thank you so much, Charles, for taking the time to speak with us!