Apply online in 2 minutes. No credit check, no paperwork, no hidden fees, and no obligation: you see your offer first, then you decide. The money goes straight into your bank account.
Simple and transparent
No paperwork, no waiting in line, no credit check. Everything is done online, from the application to the deposit into your account.
Desired amount, source of income, bank account. Two minutes is all it takes, right from your phone.
Your income is confirmed securely through Instant Bank Verification (IBV). No documents to send, no credit check, and your banking password is never shared.
You receive a clear offer in writing. If you accept, the money is deposited directly into your account. If you don't, that's perfectly fine too.
Why people trust us
We know borrowing online can feel risky. That's why everything here is designed to be clear, honest and pressure-free.
Every dollar you would pay is written down clearly before you sign. No surprises on your statement, ever.
Your credit score is never consulted and never affected, whether you apply, get approved or say no.
Your information travels encrypted and is never sold. The bank verification is read-only: we never see your password.
Applying is free and commits you to nothing. You look at your offer, you take your time, you decide.
Our loans
All our loans range from $500 to $1,500, with no credit check, through the same simple online application.
Car repair, Medical bill, Home repair, Any urgent expense that cannot wait.
Learn more →Credit cards, Lines of credit, Existing personal loans, High-interest debts.
Learn more →Kitchen, Bathroom, Roof, Basement.
Learn more →Purchase of a used vehicle, Down payment, Major repairs, Vehicle replacement.
Learn more →Major purchase, Travel, Moving, Computer equipment.
Learn more →One application for all our loans. Two minutes, no credit check, no obligation.
Apply now →Eligibility
We look at the stability of your income, not your credit score. To be approved, you must:
Frequently asked questions
No. Every amount you would pay is presented clearly, in writing, before you sign anything. If it's not in your contract, you will never pay it.
No, never. Our decision is based on the stability of your income, verified securely through Instant Bank Verification (IBV). Your credit score is neither consulted nor affected.
Yes. The bank verification is a read-only, encrypted process used by financial institutions across Canada. Your banking password stays between you and your bank, and your information is never sold.
No. Applying is free and takes two minutes. You check your eligibility, you receive an offer, and you remain 100% free to accept or decline.
Rates & disclosures
Required information about our loans so you can make an informed decision, before you apply.
Our maximum annual interest rate is 19.99%. In the event of non-payment, the applicable rate on the overdue amount is 1.67% per month.
Loans are repayable over a minimum of 61 days and a maximum of 6 months. You can make a full or partial repayment at any time, with no penalty.
| Loan amount | $500 CAD |
|---|---|
| Annual interest rate | 19.99% |
| Term | 90 days |
| Total repayable | $524.65 CAD |
| Payments | $174.88 / month, for 3 months |
A $500 loan may be paired with optional services, which are entirely optional. Subscribing to these services is not required to obtain the loan and has no effect on the credit decision or loan terms. If you choose to opt in, optional service fees may apply and are payable bi-weekly over 6 installments, separately from loan principal and interest. Example: a payment of $145.59 bi-weekly, for a total of $873.54, including optional service fees. Optional services are provided by a separate entity, which sets its own fees independently of loan interest.