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A few questions to check your eligibility. No credit check, no documents, no obligation. You can stop at any time.
Choose the amount that matches your need. Tip: borrow only what you really need.
Our decision is based on the stability of your income, not your credit score.
Direct deposit is required for the secure bank verification (IBV).
Where you receive your paycheque.
Fill in your details and we'll take you straight to the secure bank verification. Still no credit check and no obligation.
At this time, we can only approve applications from individuals who receive a regular paycheque from an employer, either full-time or part-time, through direct deposit into their bank account.
At the moment, we're unable to accept applications whose main income comes from:
These income types aren't compatible with the Instant Bank Verification (IBV) process we use to assess repayment ability.
We know this can be frustrating, but we prefer to be transparent upfront: this helps avoid wasted time for you.
At this time, we can only review applications from people who receive their pay by direct deposit into their bank account.
If you're paid by cash, cheque, or any other method, we unfortunately can't verify your income automatically through the Instant Bank Verification (IBV) system, which is our only approval method.
We prefer to be upfront about this to save you time and avoid any frustration later in the process.
To qualify, your main bank account must have been active for at least 3 months, with regular income deposits showing in your transaction history.
If your account is brand new or has been open for less than 3 months, we can't properly verify your income stability through the Instant Bank Verification (IBV) system.
Once your account reaches 3 months of activity, you'll be eligible to reapply and we'll be able to process your application right away.
We prefer to be transparent now to avoid wasted time.
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.