{"id":1749,"date":"2025-05-01T19:13:02","date_gmt":"2025-05-01T19:13:02","guid":{"rendered":"https:\/\/www.speedycash.ca\/?page_id=1749"},"modified":"2025-05-01T19:30:29","modified_gmt":"2025-05-01T19:30:29","slug":"glossary","status":"publish","type":"page","link":"https:\/\/ppspeedy.com\/resources\/glossary\/","title":{"rendered":"Glossary"},"content":{"rendered":"\n<section class=\"wp-block-group alignfull p-accordion is-style-default has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90)\">\n<div class=\"wp-block-group l-container has-global-padding is-layout-constrained wp-container-core-group-is-layout-82686151 wp-block-group-is-layout-constrained\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<p class=\"has-text-align-center theme-color-secondary is-style-overline has-legal-font-size\" style=\"margin-top:0\">Definitions and Resources<\/p>\n\n\n\n<h1 class=\"wp-block-heading alignwide has-text-align-center has-display-large-font-size\" id=\"h-speedy-cash-financial-terms-glossary\" style=\"margin-top:var(--wp--preset--spacing--20)\">Speedy Cash Financial Terms Glossary<\/h1>\n\n\n\n<p class=\"has-text-align-center alignwide theme-color-secondary is-style-body-large\" style=\"margin-top:var(--wp--preset--spacing--30)\">We are clearly defining complex terms in a way that makes them easy for our customers to understand. Click on a term in this financial terms glossary to learn more. <\/p>\n\n\n\n<div class=\"c-glossary\">\n\t<div class=\"c-glossary__inner\">\n\t\t<nav class=\"c-glossary__nav\">\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-A\"\n\t\t\t\t>\n\t\t\t\t\tA\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-B\"\n\t\t\t\t>\n\t\t\t\t\tB\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-C\"\n\t\t\t\t>\n\t\t\t\t\tC\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-D\"\n\t\t\t\t>\n\t\t\t\t\tD\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-E\"\n\t\t\t\t>\n\t\t\t\t\tE\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-F\"\n\t\t\t\t>\n\t\t\t\t\tF\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-G\"\n\t\t\t\t>\n\t\t\t\t\tG\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-H\"\n\t\t\t\t>\n\t\t\t\t\tH\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-I\"\n\t\t\t\t>\n\t\t\t\t\tI\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-J\"\n\t\t\t\t>\n\t\t\t\t\tJ\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-K\"\n\t\t\t\t>\n\t\t\t\t\tK\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-L\"\n\t\t\t\t>\n\t\t\t\t\tL\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-M\"\n\t\t\t\t>\n\t\t\t\t\tM\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-N\"\n\t\t\t\t>\n\t\t\t\t\tN\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-O\"\n\t\t\t\t>\n\t\t\t\t\tO\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-P\"\n\t\t\t\t>\n\t\t\t\t\tP\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-Q\"\n\t\t\t\t>\n\t\t\t\t\tQ\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-R\"\n\t\t\t\t>\n\t\t\t\t\tR\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-S\"\n\t\t\t\t>\n\t\t\t\t\tS\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-T\"\n\t\t\t\t>\n\t\t\t\t\tT\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-U\"\n\t\t\t\t>\n\t\t\t\t\tU\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-V\"\n\t\t\t\t>\n\t\t\t\t\tV\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-W\"\n\t\t\t\t>\n\t\t\t\t\tW\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-X\"\n\t\t\t\t>\n\t\t\t\t\tX\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-Y\"\n\t\t\t\t>\n\t\t\t\t\tY\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"c-glossary__nav-item\"\n\t\t\t\t   href=\"#glossary-Z\"\n\t\t\t\t>\n\t\t\t\t\tZ\t\t\t\t<\/a>\n\t\t\t\t\t<\/nav>\n\t\t<div class=\"c-glossary__items\">\n\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-A\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1747 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Account<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>An account is a financial arrangement with a bank or other financial institution that allows individuals or businesses to deposit, withdraw, and manage their money. Common types of accounts include savings accounts, checking accounts, and investment accounts.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/account\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1914 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Annual Percentage Rate<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Annual Percentage Rate (APR) is the total cost of borrowing money for one year. It includes the interest rate and any extra fees or charges you\u2019ll pay. APR helps you compare loan offers and understand how much a loan really costs over time.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/annual-percentage-rate\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2686 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Autodeposit<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>A feature of Interac e-Transfer that allows money to go directly into a recipient\u2019s bank account without answering a security question. Once set up through online or mobile banking, any funds sent to the registered email address or mobile number are deposited instantly.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/autodeposit\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-B\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2627 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Bank Statement<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>A bank statement is a summary of all the transactions in your bank account over a set period.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/bank-statement\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1912 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Borrower<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A borrower is someone who gets money from a lender and agrees to pay it back later. If you need to borrow money for bills, groceries, or an emergency, you are a borrower.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/borrower\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2759 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Borrowing &amp; Lending<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>Borrowing and lending play a major role in everyday money decisions for people across Canada. Lenders offer short-term options, including payday loans, that provide quick access to funds.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/borrowing-lending\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-C\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1916 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Cost of Living<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The cost of living is how much money you need to pay for everyday things like rent, groceries, transportation, and bills. It shows how expensive life is in a certain place.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/cost-of-living\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2147 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Credit Building<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is the process of improving your credit score so you can get better loan offers, lower rates, and more approval options in the future.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/credit-building\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2143 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Credit Report<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A credit report is a record that shows how you\u2019ve handled money you borrowed in the past. It tracks your loans, credit cards, missed payments, and more. Lenders use it to help decide if they\u2019ll approve your loan.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/credit-report\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1918 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Credit Score<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A credit score is a number that shows how likely you are to pay back money you borrow. It helps lenders decide if they should give you a loan.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/credit-score\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-D\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2453 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Debt<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span data-sheets-root=\"1\">Debt means money you owe to someone else. When you borrow money and promise to pay it back later, you create debt. Many people in Canada have different kinds of debt, such as loans, mortgages, or credit card bills.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/debt\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2319 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Default<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">A loan default happens when you don\u2019t pay back your loan the way you agreed to in your loan terms. In simple words, you\u2019ve missed too many payments, and the lender now considers your loan \u201cin default.\u201d It can hurt your credit and lead to extra fees or even legal action.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/default\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1902 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Direct Lender<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>A direct lender is a company that gives you a loan with no middleman. You apply directly with them, and they are the ones who approve your loan and give you the money.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/direct-lender\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2784 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Discretionary Income<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>Discretionary income is the money that is left after paying for essential expenses.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/discretionary-income\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2683 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Disposable Income<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>The money a person has after paying taxes and mandatory deductions. This is often called \u201cafter-tax income\u201d or \u201cnet pay.\u201d<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/disposable-income\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-E\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2145 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Emergency Fund<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">An emergency fund is money you set aside to cover sudden, unexpected expenses like car repairs, medical bills, or job loss.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/emergency-fund\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2684 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Essential Expense <\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>A cost that must be paid to cover basic needs for daily living. These include housing, utilities, groceries, transportation, and minimum payments on loans or bills.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/essential-expenses\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-F\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2316 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>50 30 20 Budgeting Rule<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">The <\/span><a href=\"https:\/\/www.speedycash.ca\/blog\/what-is-the-50-30-20-rule-for-budgeting\/\"><span style=\"font-weight: 400\">50-30-20 budgeting rule<\/span><\/a><span style=\"font-weight: 400\"> is a simple way to manage your money. You split your after-tax income into three parts: 50% for needs, 30% for wants, and 20% for savings or paying down debt.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/50-30-20-budgeting-rule\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2630 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Fixed Interest Rate<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>An interest rate is the cost of borrowing money. It\u2019s shown as a percentage and tells you how much extra you\u2019ll pay back on top of the money you borrowed.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/fixed-interest-rate\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-G\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2455 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Gross Income<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Gross income is the total amount of money you earn before any taxes or deductions are taken out. This includes your salary, wages, bonuses, tips, and other money you earn throughout the year.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/gross-income\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-H\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2151 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Household Expenses<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">These are the costs of running your home each month, such as rent, groceries, utilities, and transportation. These are also called monthly expenses.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/household-expenses\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-I\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2454 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Income Tax<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Income tax is money you pay to the Canadian government from your earnings each year. The government uses this money to fund public services like healthcare, education, and roads.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/income-tax\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2629 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Income Verification<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>Income verification means proving how much money you earn. Lenders ask for this to make sure you have a steady income and can repay the loan.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/income-verification\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2317 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Inflation<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Inflation is when the prices of everyday things\u2014like food, rent, or gas\u2014go up over time. It means your money doesn\u2019t go as far as it used to. In Canada, this is called the Canada inflation rate, and it\u2019s tracked to show how fast prices are rising.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/inflation\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2685 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Interac e-Transfer<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>A Canadian banking service that lets people send and receive money directly between bank accounts. It works through online or mobile banking and uses the recipient\u2019s email address or mobile number to deliver funds.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/interac-e-transfer-emt\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-J\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-K\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-L\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1910 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Lender<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A lender is a person or company that gives you money now and expects you to pay it back later. In Canada, a payday lender is a direct lender that offers small, short-term loans to people who <\/span><a href=\"https:\/\/www.speedycash.ca\/services\/payday-loans\/\"><span style=\"font-weight: 400;\">need quick cash before the next payday<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/lender\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2628 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Loan Agreement<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>A loan agreement is a written contract between a borrower and a lender that explains the rules of a loan.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/loan-agreement\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1900 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Loan Eligibility<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>This means meeting the basic rules a lender has before giving you a loan. It\u2019s how a lender decides if you can borrow money and how much money you are approved for that you will have to repay.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/loan-eligibility\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1896 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Loan Repayment<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This means paying back the money you borrowed, plus any fees or interest. Repayment happens on a schedule, either all at once or over time, until the loan is fully paid off.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/loan-repayment\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2682 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Loan Term<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>The set period of time given to repay a loan. The term outlines when repayment starts and when it ends.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/loan-term\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-M\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2785 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Mobile Banking <\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>Mobile banking refers to using a smartphone or tablet to access and manage personal banking.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/mobile-banking\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-N\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2626 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Net Income<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>Net income is the amount of money you have left after all your expenses, taxes, and deductions are taken out of your total earnings.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/net-income\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-O\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2786 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Online Banking<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>Online banking is a secure way to access bank accounts and manage money through a computer, tablet, or mobile device.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/online-banking\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1898 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Online Lending<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is when you borrow money through the internet instead of visiting a physical store. You fill out an application online and, if approved, the money is sent to your bank account.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/online-lending\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-P\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-1894 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Personal Finance<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A term used to cover the management of your money, including saving and investing. It also includes budgeting, banking, insurance, mortgages, investments, taxes, retirement planning, and estate planning.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/personal-finance\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-Q\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-R\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2450 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Registered Retirement Savings Plan<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">A Registered Retirement Savings Plan (RRSP) is a financial tool created by the Canadian government to help you save money for retirement. When you contribute money to an RRSP, you lower your income taxes for the year, and the money you put in can grow over time.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/registered-retirement-savings-plan\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2320 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>RESP (Registered Education Savings Plan)<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">An RESP is a special type of savings account in Canada that helps parents or guardians save money for their child\u2019s education after high school. RESP stands for Registered Education Savings Plan, and it lets your money grow over time while getting help from the government.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/resp-registered-education-savings-plan\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2318 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Responsible Borrowing<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">This means only borrowing what you can afford to pay back. It\u2019s about using loans in a smart way, especially when money is tight.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/responsible-borrowing\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-S\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2783 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Soft Inquiry<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p>Soft inquiry is a type of credit check that does not affect a credit score.<\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/soft-inquiry\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-T\"><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2149 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Take Home Pay<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is the amount of money you actually get in your bank account after taxes and other deductions are taken off your paycheque. It\u2019s also called net pay.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/take-home-pay\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-post c-glossary__item post-2452 wiki type-wiki status-publish hentry\">\n\t\t\t\t\t\t<h6 class=\"c-glossary__heading\">\n\t\t\t\t\t\t\t<strong>Tax-Free Savings Account<\/strong>\n\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t<p><span style=\"font-weight: 400\">A <\/span><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/forms-publications\/publications\/rc4466\/tax-free-savings-account-tfsa-guide-individuals.html\"><span style=\"font-weight: 400\">Tax-Free Savings Account (TFSA)<\/span><\/a><span style=\"font-weight: 400\"> is a savings account provided by the Canadian government to help you save money tax-free. With a TFSA, you don\u2019t pay taxes on any money you earn inside the account.<\/span><\/p>\n<p><a href=\"https:\/\/ppspeedy.com\/resources\/wiki\/tax-free-savings-account-tfsa\/\">Learn More<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-U\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-V\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-W\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-X\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-Y\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-glossary__alpha-section\" id=\"glossary-Z\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Definitions and Resources Speedy Cash Financial Terms Glossary We are clearly defining complex terms in a way that makes them easy for our customers to understand. Click on a term in this financial terms glossary to learn more.<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":510,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1749","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Glossary - Speedy Cash<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ppspeedy.com\/resources\/glossary\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Glossary\" \/>\n<meta property=\"og:description\" content=\"Definitions and Resources Speedy Cash Financial Terms Glossary We are clearly defining complex terms in a way that makes them easy for our customers to understand. 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