Although obtaining a cash advance is easier than obtaining a bank loan, we still ask that our customers meet the following criteria:
- Have to be 18 or older
- Be a Canada resident
- Provide us with a checking account that has been valid for at least 3 months
- Have been working full-time for at least 3 months
- Have a minimum income of $1500 per month.
- Have lived at the same address for at least 6 months
- Be paid by direct deposit
- Not be bankrupt or not subject to wage garnishment
Applying has never been easier!
- Fill out our form and send it in one click.
- Bank verification from our IBV system
- Once the request is approved, complete your file.
- Receive your funds
When your request is sent (with the form and bank verification completed), a confirmation of receipt will be sent to you by email.
Our agents will then carry out checks to find out what amount of facility can be granted to you.
We will then notify you of the status of your request.
If your file meets our criteria, the funds will be deposited directly into your account within the next few hours.
If you finalize your application and sign the contract before 2:30 p.m., the funds will be transferred by direct deposit the same day or overnight.
However, if your request is completed after this time, you will receive the funds within 24 business hours.
Only in certain cases, confirmation of employment may be requested. This process is done confidentially and your employer will not be aware that this is a request for funding.
The variable credit contract is the document that we send to validate our agreement with you OR the document that we send to validate our agreement with our customers. The term "flexible credit" is different from the term "term loan". A credit facility means that our client has access to funds that he can use at his discretion and that the repayment of the amount used can be made in advance without additional costs or penalties.
Our annual interest rate is 18.99%
Apply now! Complete the form Here
You can request a payment deferral up to a minimum of 72 (working) hours before the scheduled date of your direct debit.
Customer service
Monday to Friday: 9 a.m. to 5 p.m.
Weekly membership fee: $23.50 while there is an active balance
In your customer account. To access it, go to our website and click on Client Access .
Although obtaining a cash advance is easier than obtaining a bank loan, we still ask that our customers meet the following criteria:
- Have to be 18 or older
- Be a Quebec resident
- Provide us with a checking account that has been valid for at least 3 months
- Have been working full-time for at least 3 months
- Have a minimum income of $1500 per month.
- Have lived at the same address for at least 6 months
- Be paid by direct deposit
- Not be bankrupt or not subject to wage garnishment
Applying has never been easier!
- Fill out our form and send it in one click.
- Bank verification from our IBV system
- Once the request is approved, complete your file.
- Receive your funds
When your request is sent (with the form and bank verification completed), a confirmation of receipt will be sent to you by email.
Our agents will then carry out checks to find out what amount of facility can be granted to you.
We will then notify you of the status of your request.
If your file meets our criteria, the funds will be deposited directly into your account within the next few hours.
If you finalize your application and sign the contract before 2:30 p.m., the funds will be transferred by direct deposit the same day or overnight.
However, if your request is completed after this time, you will receive the funds within 24 business hours.
Only in certain cases, confirmation of employment may be requested. This process is done confidentially and your employer will not be aware that this is a request for funding.
When your request is sent (with the form and bank verification completed), a confirmation of receipt will be sent to you by email.
Our agents will then carry out checks to find out what amount of facility can be granted to you.
We will then notify you of the status of your request.
If your file meets our criteria, the funds will be deposited directly into your account within the next few hours.
Seulement dans certains cas, une confirmation d’emploi pourrait être demandée. Cette démarche se fait de façon confidentielle et votre employeur ne sera pas au courant qu’il s’agit d’une demande de financement.re demande maintenant! Remplissez le formulaire Here
If you finalize your application and sign the contract before 2:30 p.m., the funds will be transferred by direct deposit the same day or overnight.
The variable credit contract is the document that we send to validate our agreement with you OR the document that we send to validate our agreement with our customers. The term “variable credit” is different from the term “term loan”. A credit facility means that our client has access to funds that he can use at his discretion and that the repayment of the amount used can be made in advance without additional costs or penalties.
In your customer account. To access it, go to our website and click on Client Access .
The variable credit contract is the document that we send to validate our agreement with you OR the document that we send to validate our agreement with our customers. The term "flexible credit" is different from the term "term loan". A credit facility means that our client has access to funds that he can use at his discretion and that the repayment of the amount used can be made in advance without additional costs or penalties.
Our annual interest rate is 18.99%
Apply now! Complete the form Here
You can request a payment deferral up to a minimum of 72 (working) hours before the scheduled date of your direct debit.
Customer service
Monday to Friday: 9 a.m. to 5 p.m.
Payment Service
Monday to Friday: 9 a.m. to 5 p.m.
Collection Service
Monday to Friday: 9 a.m. to 5 p.m.
Weekly membership fee: $23.50 while there is an active balance
In your customer account. To access it, go to our website and click on Client Access .
Important Informations
Responsible Lending Policy
When a borrower sends us an online loan application, the file is subjected to a selective analysis in order to verify whether the candidate has the necessary means to repay the loan. This capacity is assessed by a procedure including:
- Checking your salary
- Checking the amount of NSF payments in your bank account
- The evaluation of the amount of your commitment that can influence your repayment capacity
If your file meets all our requirements following this processing, your request will be immediately ACCEPTED.
Missed payments
et pointage de crédit
If a borrower has missed a repayment because of a refusal to pay from his institution for insufficient funds or other, the payment of this balance will be postponed to the end of the contract, plus a fee of $40. This situation will have no effect on his credit score within our company and other credit agencies will never be informed. In addition, if a borrower is in an emergency to postpone a payment, he must notify us by telephone 72 hours in advance. This delay will result in a fee of $40 which will be payable at the end of the contract. A refund made with rigor ensures excellent service for a possible future renewal.
Responsible collection practices
Always taking into account the financial status of the borrower, our company has implemented a responsible collection practice that helps them to have control over their finances. In case of payment difficulties, we can make reimbursement agreements by discussing with him the next reimbursement terms. Brokerage interest accrues based on the remaining principal outstanding and the length of the delay. All legal fees that may result from the recovery of the balance due will be borne by the borrower who remains solely responsible.
Disclaimer
Short-term loans are to be contracted in a RESPONSIBLE manner. These kinds of loans are very readily available in the market, but should only be used for short-term situations and when you have no other options for getting quick cash. Thus, these loans can be essential for you when you face an emergency situation requiring financial assistance. However, avoid taking out several short-term loans at the same time! Because if you do, the interest generated can put you in a bad financial situation.
