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How it works

From application to deposit in your account: a simple, fast and transparent process, with no credit check and no obligation.

Person completing their online application on a laptop

The process

Four steps, zero paperwork

1

The online application

Answer a few questions: amount, source of income, bank account. Two minutes, from your phone or computer.

2

Secure bank verification

You continue to the Instant Bank Verification. It confirms your income with no documents and no credit check, and your banking password is never shared.

3

Your offer, in writing

Your file is reviewed quickly and you receive a clear offer with every condition written down. No fine print, no surprises.

4

You decide

If you accept, you sign electronically and the money is deposited directly into your bank account. If you decline, it costs you nothing.

Why is it so simple?

Because the bank verification replaces the paperwork: no pay stubs to photograph, no statements to send, no waiting for someone to check them by hand. See how IBV works.

And because we believe you should never feel trapped. At every step you know exactly where you are, what happens next and what it costs. You can stop whenever you want.

"An application in the morning, an answer the same day in most cases."

Our promises to you

  • No hidden fees. Everything is in writing before you sign, in plain language.
  • No credit check. Your credit score is never consulted and never affected.
  • No obligation. You see your offer first, then you decide. Walking away costs nothing.
  • Your data stays safe. Bank-level encryption, and your banking password is never shared with us.

Before you start, have on hand:

  • Your bank (secure login for the verification)
  • Up-to-date contact details (email and cell phone)
  • An idea of the amount you really need
Reminder: you must receive a regular paycheque from an employer by direct deposit and have a bank account open for at least 3 months. Check eligibility.
Start my application

Ready to apply?

Two minutes, a few questions, no credit check and no obligation. You will know right away if you qualify.