How it works

How To Qualify.

Be over 18 years of age

Have a fulltime job

Not be in bankruptcy

Be a Canadian citizen

Once we receive your application we will ask you to verify your bank account using an IBV (internet banking verification). Our agents will then study your banking transactions in order to assess your ability to reimburse. It is our duty to provide you with a solution that is not detrimental to your financial health. Our agents will work with you to give you the best solution for your needs.

Membership fees and interest

Our Lender charges an annual interest rate of 24% to 32% . The actual rate of the contract depends on the risk associated with the application, however, the rate can never exceed 32%. Membership fees do apply. Our membership fees include access to our lender and all other affiliate services offered on our site. Also included is all our services in association with customer service, processing requests, collections, referrals and credit counselling. Please refer to our example cost of borrowing section for more detailed information.

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Example cost of borrowing

A 500 dollar loan over a 90 day term reimbursed in 6 bi weekly payments will consist of 6 payments of approximately $123.00. The total cost for the loan including all fees and interest is $735.00. When compared to a payday loan, our ABR (Annual Borrowing Rate) is about 60% cheaper.

Terms of repayment

Our installment loans can be reimbursed on a weekly, biweekly, bi-monthly or monthly basis. This depends on the borrowers pay schedule. Unlike payday loans, our loan product can be paid in a 90 to 160 day term. Please refer to our example cost of borrowing for more detailed information.

Missed payments

A customer can ask to push a payment to the end of their schedule for a cost of $40.00. This extends the due date by 1 payment or for a period equal to the customer’s pay schedule.

Your information is safe with us

We use bank-level encryption security to protect your personal information. We are HTTPS secure and our users can safely navigate through our website.

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Pushing payments

The rules for pushing a payment are the following:

The customer cannot push the first payment.
The customer cannot push more than two payments per term.
The customer cannot stop two payments in a row.

Please note that an NSF payment is also pushed to the end of the schedule, however, the fee for an NSF payment is $50.00

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Responsible borrowing

Please borrow responsibly. Having multiple installment loans or payday loans can be detrimental to your finances. If you have multiple loans please ask one of our agents to assist you with a consolidation product. This will help you re-establish your budget and help your financial recovery.

Better than cash advances or payday loans

That’s right! We said right here! Our product is better than your conventional cash advance or payday loan. Our installment loans are reimbursed over a period of 90 to 160 days. Our APR (Annual Percentage Rate) is 190% and can be as low as 130% for repeat customers.

Installment loan requirements

Once you filled out our easy loan application form, you will have to upload only 2 documents

Picture ID card (driver’s license)
A proof of address ( Most recent utility bill)

You will then be required to complete the IBV (Instant Banking verification)

Once accepted, one of our agents will then contact you to finalize and send you our electronic contracts.

The money is deposited in your bank as soon as we receive your electronically signed contracts. Please note that it can take up to 24 hours for the funds to be available in your bank account.

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