Here are some of the most frequently asked questions ! Is your answer not there? Do not hesitate to contact our advisors online !
To qualify for a loan, you must:
1. Be over 18 years of age
2. Be a resident of Quebec
3. Be employed for at least three months and/or receive an eligible income
4. Not be in bankruptcy proceedings
5. Have a minimum income of $1500 gross per month
*Eligible income types:
– Employment Insurance
– Régime québécois d’assurance parentale (RQAP)
– Commission de la santé et sécurité au travail (CSST)
– Société d’assurance automobile du Québec (SAAQ)
– Allocation de Solidarité Spécifique (ASS) invalidité**
– Allocation de Solidarité Spécifique (ASS) Salaire**
*Nous n’acceptons pas les salariés avec le statut de Travailleur autonome.
**Exclu aide de derniers recours, aide sociale, solidarité sociale
Yes, our loans do not require a credit check ! Whether you have been a victim of fraud or bad luck, our fast loans only require an IBV check.
IBV is an acronym for "Instant bank verification". It is a platform designed by banking institutions that provides a snapshot of your banking transactions over the last 365 days. It is a way for us to quickly evaluate your ability to repay without a credit check and without documents.
The main difference between a quick personal loan and loans from banking institutions is in the qualifications. Banks refuse to take too much risk in lending to individuals with lower credit scores. For a fast loan, we do not rely on your credit history, but rather on your banking history (IBV). Higher risk means higher fees, however, so use undocumented loans with responsibility.
The only document required is a scan or photo of your ID.
The entire process is done over the internet with IBV's quick no-inquiry loan.
• Driver's License
• Health Insurance Card
Your loan should be available within 24 hours of signing and approving the contracts. It will be sent to you via Interac transfer to the email address you provide on the application.
If your application is completed, signed and approved before 1:00 pm, your fast loan may be available the same day.
Yes* ! Quick loans allow you to adjust your payment amounts and move your payment dates if needed. However,
you must make these changes with our associates (by phone, email or text message) 72hours before the scheduled payment time. You can also change the bank account from which the transfers originate.
*All changes will incur a $35 handling fee that will be added to the end of your payment schedule.
No. The fixed date transaction process operated by the banking institutions starts 72 hours before the collection. It is therefore impossible for us to modify or postpone a payment within this time period. If you are not sure if you have enough money for your next payment, please contact us before this time so that we can accommodate you !
No. Interac e-Transfers can only be used to reduce (or pay off) your balance between withdrawals; however, pre-authorized payments cannot be replaced by a transfer.
If you missed a payment* because your account balance was insufficient. Contact us and we can make a change to your schedule according to the following two options:
1. Postpone the payment; the missed payment will be added to the end of your schedule.
2. Dividing the payment: we will divide the missed payment in order to add the amount on your next payments.
* A missed payment will incur a mandatory NSF (Non-Sufficient Funds) fee of $50.
Our team can be reached by phone, email and text messages.
The limit is three (3) consecutive missed payments. After that, your file will be suspended and transferred to a collection agency. Be aware that transferring your file to a collection agency could have a big impact on your credit rating. Contact us quickly to establish an agreement.
Generally, you can renew your loan when you have paid off 75% of the original amount and associated fees. If you want to know if you qualify for renewal, contact us by phone, email or text message.
No, we will not contact your references or employer during the approval process. They will only be contacted in the event that we are unable to reach you ! Be sure to keep us informed of any changes in your address, phone number and email address so that we do not lose contact with you.
Thank you for the quick turnaround! I really needed to get the money before the weekend!<
Excellent service! The agents were very polite to me and were very helpful in arranging my payment schedule.
Super fast service 1 hour passed from the time I applied for my loan to the time I signed my contract and received my deposit
Very good service, very satisfied. Super friendly advisor, they are listening to your needs. I highly recommend him.
My husband has just had a wonderful experience when speaking with the agent. Very friendly. Thank you for great service
I love it, you have helped me a lot. Thank you so much.
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Please do not hesitate to contact us! Our agents are available to help you.
You can contact us, by email or phone, during weekdays.
One of our representatives will contact you as soon as possible.