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What is a credit check?

A credit check is a practice used by financial institutions to evaluate the risk of granting a loan to an individual.

In Canada, the main factors used to calculate your credit scores are :
• How long you have been using credit for
• How much money you borrowed
• Your payment history

When running a credit check, institutions use the following information to decide whether they will approve your loan or not. Receiving a refusal means your score is low and you are considered a high risk.

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Why apply for no credit check loans?

At Captain Cash, we base our evaluation on your current financial capacity to pay back a loan rather than your credit status and history.

This means, even if you have a bad credit score, you can apply for no credit loans in Canada with Captain Cash because we focus on the present and not on the past.

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To be eligible for the loan.

  • Be 18 years or older
  • Have a monthly income over $1200, and receive it by direct deposit or cheques from your employer
  • Have a stable job with a minimum of 3 months or more of prior service
  • Be a Canadian citizen
  • Have a Canadian bank account active since a minimum of 3 month in which you get paid by direct deposit
  • Not be on the brink of declaring bankruptcy or entering into a consumer proposal
  • Have few or no non-sufficient funds transactions
  • Have a low short term debt ratio (other active short term or payday loans)

Paperless online no credit check loans in Canada

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Fast no credit check loans approval

92% of customers receive a no credit check loan approval answers within the hour when applying

during business hours

No credit check for bad credit

Same day deposit

Who are the people who need no credit check loans in Canada?

Sometimes, people can unexpectedly go through bad financial situations and quickly need to recover the money they lost.

These people might have made mistakes in the past and failed to repay previous loans, which may have had a negative impact on their credit status.
For this reason, they are looking for ways to receive loans that do not require a credit check in Canada.

At Captain Cash, we are proud to offer the no credit check loan services in Canada and give the possibility for people in precarious financial situations to find quick and easy solutions!

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