Do you have short-term monetary worries? An unforeseen situation plunges you into a precarious financial situation? Don’t let your money problems slow you down. You may be eligible for an online personal loan even if you have a bad credit history. If the following list does not answer your questions, do not hesitate to contact a customer service agent by email at [email protected]
What are your rates and service?
The lending companies we do business with offer an approximate annual interest rate of 28% to 32%. In the event of default, the applicable interest is 2.66% per month, or 32% per year. Surety bonds are applicable when obtaining the loan.
In what case would my loan application be refused?
- Consumer proposal not satisfied
- Incomplete form or incorrect information
- Too many bounced payments to the bank account
- Unpaid bankruptcy
- Unstable work
- Too high a level of short-term debt
How soon will I receive the money?
- If your request is accepted and the contract is signed before 11 a.m., the funds will be deposited into your bank account by the end of the day. If your request is accepted after 11:00 a.m., you must allow up to 24 business hours for the transfer.
What happens in the event of payment default or non-cooperation?
The debt will be sent to collection. In the event of default, the applicable interest rate is 1.96% per month (23.50% per year).
How can I apply for a loan?
Our fully electronic loan application requires no paper documents. You can also sign your contract electronically. This is the easiest and most secure way to apply for a loan.
Can you see my username and password?
No. We will never see your username and password. Our system will not keep your access codes to your bank account.
How do I make sure this is not a way to get my personal information?
We understand your hesitation. The Instant Bank Validation (VBI) system has been specially designed to simplify the online loan application process. It operates under the highest security standards, the same as those used by online banking institutions. This system thus avoids lengthy delivery processes for paper documents.
What will you do with my information?
Your information is transferred automatically and securely to your financial institution. Once they have verified your credentials, we will only receive a copy of your bank statement from the last 30 days which will allow us to assess your loan application. Your information will never be displayed or kept.
When can I renew my loan?
You are eligible for a loan renewal when your balance is less than 100$.
Do you accept self-employed workers?
No, self-employed workers are not eligible. To be eligible, your must be paid by direct deposit. We accept clients benefiting from CNESST, disability insurance and annuity programs.
Eligibility criteria
- Be 18 years old and over
- Have a stable job for 2 months
- We accept customers who are owed by check *
- Have a regular deposited directly into a Canadian bank account* Certain conditions applyNote that parental insurance, unemployment, social assistance or income from self-employed workers are not eligible for a loan.
Can you see my access code and my password?
No. We will never see your access code and password. They are transferred securely and automatically to your financial institution. Once it has verified your credentials, we will receive a copy of your bank statement which will allow us to assess your loan application.
How do I make sure this is not a way to get my personal information?
We understand your hesitation. Our system has been specially created to simplify the loan application process. It operates under the highest security standards, the same as those used by banking institutions.
What will you do with my information?
Your information will be transferred securely directly to your financial institution in order to identify you. We will receive a copy of your bank statement for the past 90 days. Your credentials will not be displayed or stored.
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