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Frequently asked questions
How long do I have to wait for the money to become available in my bank account?

We pride ourselves in providing you with quick and reliable service. Hence, your money will be deposited in your account on the same day of the application, as long as your application has been approved by 14:00 EST. In the event that your application is approved after 14:00 EST, please allow a maximum of 24 business hours for your money to be deposited. We can guarantee that you will not have to wait a second longer than the time here specified.

Our rates are among the best!

We only do business with trusted and reliable lending companies who offer:

  • Yearly interest rates of 23% (APR)
  • An interest rate of 2.66% monthly or 23% annually for outstanding loans in the case of default
    $45 in NSF fees
  • 3 months as the minimum length for repayment, meaning smaller installements
  • The possibility to delay a payment for an administration fee of $25
  • Brokerage fees which are applied to the loan
What is a Paperless application?

What we offer is unique: not a single paper document will be required from you. This includes an e-signature, and instant verification. By giving us a secured view-only access to your bank account, it is possible to get approved for a loan without the painful process of providing a series of documents.

What is instant verification?

Instant verification provides a fast and secure process that allows us to have viewing privileges of your bank statement. Instant verification uses the same level of security as your bank so your personal information is kept safe and secure. At no point are we logging into your bank. We DO NOT see your ID nor password information. We never have the option to login to your financial institution. We are simply provided a copy of your bank statement. When you login to your financial institution, your information is kept private and secure. Logging in verifies your identity and provides us with a 90 – day read only copy of your bank statement. This process allows us to make a fast decision on your loan so you can quickly get your money. We recommend this process to better service you and to provide a secure, safe and quick way to approve your loan.

What requirements must I fulfill to be eligible for a loan?

To be eligible for the loan, you must meet the following criteria:

  • Be 18 years or older
  • Have a monthly income over $1200 that you receive by direct deposit or cheques from your employer
  • Have a stable job or source of revenues 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 loans)

We apologize in advance but we DO NOT accept the following as valid income sources:

  • Social assistance
  • Student loan
  • Child tax
  • Self-employment
  • CPP
  • Private pension
  • Disability income
  • Other insurance income