FREQUENTLY ASKED QUESTIONS

Trust at the heart of our concerns

Here are some of the most frequently asked questions! Is your answer not there? Do not hesitate to contact our advisors online!

What are the eligibility criteria?

- Being older than 18; - Work and reside in Quebec; - Work for the same employer for at least 3 months; - Be paid by direct deposit; - Not to be self-employed; - Not being a recipient of social assistance; - Do not have too many micro-loans from other agencies; - Not having too many NSF checks;

How do I apply for a loan?

You just need to fill out the loan application form. No paper documents are required to get your loan. Once approved, we will send you your contract for you to sign electronically. It's Xtra easy and Xtra confidential!

How do I know this is not a way to get my personal information?

Caution is the key: the information we ask for is necessary for a quick approval of your loan. Everything is online and for this reason we have equipped ourselves with a secure system that has nothing to envy the banks. In addition, the documents we request from you are visible only to the agent who processes your request.

What do you do with my information?

Once your information is completed in the form, it is sent to your banking institution in order to identify you. This is when we perform the IBV using the information your bank provides us. And since we advocate Xtra confidential, your information is not kept.

What factors could lead to my loan application being refused?

- A lack of stability in your job. - Too many bounced payments. - The loan application form is incomplete or the information is incorrect. - You are subject to bankruptcy not discharged from debts. - Your short-term debt ratio is too high.

How long do I have to wait to get the money after I get my loan?

If your application has been submitted, approved, and the signed contract is returned before 11 a.m., you can get your money loan before the end of the same day. After 11 a.m., the money will be deposited by bank transfer to your account within 24 hours of signing your loan agreement.

How much are your rates and service charges?

Various factors make it impossible to give a precise answer to this question. These factors concern the risk associated with your loan, but also the company that vouches for your loan.

What are the consequences of a default?

First of all, we remind you that it is possible to delay a deadline. Any schedule change will incur a fee of $ 35. In the event that the deadline is not respected and a payment is not respected, your file will be transferred to the collection department who will contact you, incurring additional costs.

Are self-employed workers eligible?

The self-employed unfortunately can’t take advantage of our loans, one of our eligibility criteria being the direct deposit of salary into your account. In addition, we also cannot accept recipients of CSST, employment insurance, disability insurance and annuity plans.

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