A broken-down car, a dental emergency or a bill that arrives before payday: some expenses simply cannot wait. Our emergency loans help you cover them quickly, without a trip to the bank.
Request between $300 and $3,000 online and get a fast, clear answer.
Canadian lending experience
Flexible loan amounts
Interac e-Transfer funding*
Transparent, competitive rate
Several short-term solutions can help when money is needed fast. Each one suits a different borrower profile.
Reviewed on your income and employment rather than a credit report.
Every emergency loan application is assessed on three things: how stable and sufficient your monthly income is, your recent banking activity (including unpaid items), and whether the repayment fits comfortably within the loan term.
Short-term loans are designed for temporary needs. Request only the amount you need and make sure the repayments fit comfortably in your budget.
An emergency loan is a short-term answer to an urgent, one-time expense: an essential repair, an unexpected bill or a temporary cash-flow gap. It is not designed to cover ongoing costs.
Before applying, consider the other options available to you, and keep only one active short-term loan at a time. This keeps your repayments manageable and protects your budget.
We favour flexibility and responsible lending. If you expect difficulty, contact us at least 48 hours before the due date to request a payment deferral.
A missed payment carries a $40 fee, added to your loan balance. Missed payments are not reported to credit bureaus, so your credit score is not affected by the incident itself.
No branch visit and no stack of paperwork. Everything happens online, from your phone or computer.
Complete our secure form in a few minutes with your basic personal, employment and banking details.
Takes about 2 minutes
Once approved, you receive a clear loan agreement. Read the terms, then sign electronically.
100% digital e-signature
Funds are sent by Interac e-Transfer to your Canadian bank account, often the same day.
e-Transfer in ~1 hour*
Apply online in minutes. Get a fast answer from our brokers and receive your money by Interac e-Transfer once your agreement is signed.
