Our mission : to offer money loans between $100 and $1500, in less than 24 hours, with no credit check.
"No credit check" does not mean no check at all! We will verify that you have been employed for at least 3 months by looking at your income.
We use IBV technology, or instant bank verification, which gives us a view of certain elements of your bank statement from 90 days prior to your application. Among the information we see is the amount and frequency of your paychecks, as well as the amount of your living expenses. Our policy is not to exceed a certain debt ratio: our money loans should help you, not complicate your life!
The IBV goes through a request to your bank and therefore remains perfectly confidential and secure.
This step only takes a few minutes and involves providing your personal information for your approval.
Our agents will process your request in 1 hour (according to our working hours), without a credit check. They will verify what amount you qualify for, with or without guarantee.
A few items related to approval: - You will need a valid ID, with picture. This must be digitized (scan) or photographed, in order to be transmitted to us electronically.
We use the IBV technology which gives us access to your recent banking transactions, without documents or impact on your credit report.
Once approved, all you have to do is sign the necessary contracts to confirm your approval. The 24-hour period begins after receipt of the documents completed in accordance.
Work and reside in Quebec.
Be 18 years old or older.
Work for the same employer for at least 3 months.
Not to be self-employed.
Not receiving social assistance benefits
Don't have too many loans with other micro-lending agencies.
Not having had too much NSF in the past 2 months
The duration of your loan and the frequency of repayments is determined when you sign your contract. This commits you to repay the amount loaned, failing which the following consequences may occur.
PAYMENT WITHOUT PROVISION NSF fees of $ 50.00 will be added in the event of an NSF payment. CHANGE IN THE PAYMENT SCHEDULE If the request is made at least 72 hours before a payment, you will have the option of increasing or decreasing your payment. Any change of schedule will incur a fee of $ 35. DEFAULT OF PAYMENT As soon as a payment default is notified, the file is transferred to the collection department, resulting in fees that will automatically be charged to your account. MONTHLY Monthly payments are calculated according to the risk associated with your loan. In some cases, a company will have to guarantee your loan.
PAYMENT AGREEMENT In the event of a payment default, the collection department will contact you to make a payment agreement. DEBT RECOVERY All costs legally incurred for the debt recovery will be charged at the borrower's expense.
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.