Worried your credit score will hold you back? Our personal loans are evaluated on your current income and financial situation, not only on your credit report.
Apply in a few minutes, get a fast decision and borrow up to $3,000.
Canadian lending experience
Flexible loan amounts
Interac e-Transfer funding*
Transparent, competitive rate
Your credit score, between 300 and 900 in Canada, tells lenders how likely you are to repay. On-time payments push it up; late or missed payments pull it down.
Scores above 660 are generally considered good and above 760 excellent. Below that, banks may say no, but other lenders can still help.
Applying online is quick. Once your application and documents are reviewed, you get a fast decision and, if approved, the money is transferred to your bank account.
Pay the minimum amount on the first payday after receiving your loan.
Add an amount toward the principal to reduce your balance faster.
Repay the full amount and costs in a single payment, whenever you are ready.
Our lending partners focus on your current income and your ability to repay, not only on your credit history. Meeting these simple conditions helps your file move faster.
Short-term loans are designed for temporary needs. Request only the amount you need and make sure the repayments fit comfortably in your budget.
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.
