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.
267 articles written by Vidhu Bajaj
How does Zip Money differ from Afterpay?
Zip Co, which offers Zip Money, and Afterpay are two of the more popular Buy Now, Pay Later (BNPL) service providers but their fees, lending criteria, and repayment terms vary.
Vidhu Bajaj -
19 Jul, 2023 -
5 min read
Does Afterpay affect your home loan application?
When applying for a home loan, all your current debts are taken into consideration. So, what’s the impact of your Afterpay account on your home loan application?
Vidhu Bajaj -
19 Jul, 2023 -
6 min read
Are credit checks mandatory for credit cards?
In Australia, applying for a credit card always involves a mandatory credit check. This is an essential part of testing your ability to responsibly service your repayments and is done in your best interest.
Vidhu Bajaj -
19 Jul, 2023 -
9 min read
The pros and cons of getting a higher credit limit
From time to time, your lender will proactively ask you if you’d like to increase the limit on your credit card. But should you agree?
Vidhu Bajaj -
19 Jul, 2023 -
9 min read
What is a balance transfer?
A balance transfer is the process of transferring the debt from one credit card onto a new credit card.
Vidhu Bajaj -
14 Jul, 2023 -
6 min read
Zip Pay vs. Afterpay: What you need to know before joining
Curious about two of the more popular BNPL platforms, Afterpay and Zip Pay? Let's explore their benefits, as well as how they differ from each other.
Vidhu Bajaj -
06 Jul, 2023 -
9 min read
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