Vidhu Bajaj
Personal Finance Writer
Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.
253 articles written by Vidhu Bajaj
Zip Money: What Is It and How Does It Work?
Zip Money, one of two Buy Now, Pay Later (BNPL) services offered by Zip Co, can be used for purchases over $1,000. Check the repayment conditions.
Vidhu Bajaj -
06 Jul, 2023 -
5 min read
humm: What is humm and how does it work
humm is a buy now, pay later platform that allows you to break down your purchases up to $30,000 into interest-free instalments spread over several months. However, not meeting the repayment schedule could see you hit with a late payment fee and could also hurt your credit rating.
Vidhu Bajaj -
05 Jul, 2023 -
7 min read
What is Beforepay and what are the risks?
Beforepay is an app that allows salaried employees to borrow money and repay it from their next four pay cycles. Some may consider it to be a salary advance but it’s ultimately a loan that you’ll need to repay.
Vidhu Bajaj -
05 Jul, 2023 -
8 min read
Afterpay vs Klarna: Which is a better service?
Klarna and Afterpay are popular buy now, pay later (BNPL) services, but they offer different benefits. Learn more in this detailed comparison.
Vidhu Bajaj -
04 Jul, 2023 -
10 min read
What is PayPal Pay in 4 and how does it differ from other BNPL services?
PayPal Pay in 4 is a buy now, pay later (BNPL) service available to PayPal users for breaking down their shopping into smaller, interest-free instalments payable over six weeks. Unlike other BNPL services like Afterpay, Pay in 4 doesn't charge any late fees to users on missing a repayment, but it can report the default to credit bureaus.
Vidhu Bajaj -
04 Jul, 2023 -
6 min read
Buy now, pay later vs. credit cards: which should you choose?
Whether you’re a young Australian looking for your best option to gain access to credit, or a long-time credit card user wondering what the fuss is about BNPL services, let’s explore the benefits and risks of both options.
Vidhu Bajaj -
03 Jul, 2023 -
6 min read
How is Deferit different from other BNPL services?
Deferit is a buy now, pay later (BNPL) platform with a difference. Instead of facilitating retail purchases, it pays your bills on time while allowing you to pay them off in four equal fortnightly instalments without any interest. The service is available for a monthly subscription fee for months when there is an active bill.
Vidhu Bajaj -
03 Jul, 2023 -
6 min read
Afterpay vs LatitudePay: difference between the two BNPL services
Both Afterpay and LatitudePay are popular buy now, pay later (BNPL) services, but they have different terms and conditions you should learn about before choosing either.
Vidhu Bajaj -
20 Jun, 2023 -
9 min read
What is the difference between business and personal credit cards?
Whilst you can still use your personal credit card for business related transactions you may find that over time it will be easier to manage your personal and business purchases separately. Business credit cards generally have more features than a traditional credit card which enables the business to apply spending controls.
Vidhu Bajaj -
15 Jun, 2023 -
6 min read
Can using a buy now pay later service hurt my financial health?
Buy now pay later (BNPL) may appear as a more manageable way of buying big-ticket items, but you need to be aware of maintaining your credit score and overall financial health.
Vidhu Bajaj -
14 Jun, 2023 -
6 min read