How it works?
Whether you need extra cash to cover bills, emergencies, or unexpected expenses, we’re here to help. Here’s everything you need to know about how our loans work, from requirements to receiving your funds.
Online Application in minutes
Apply online
You can apply for a loan from everywhere. Simply choose how much you would like to get and fill out a quick and easy online form.
Express approval
With our automated process, receive an instant decision on your loan application without having to wait.
Funds transfer
Easy automatic deposit system. That way, you get your money as fast as possible!
What do you need?
We make borrowing easy. To apply, you simply need:
- To be 18 years or older
- A valid Canadian bank account
- A steady source of income
- Government-issued ID
Customize your instant loan
Select the amount you wish to borrow
Select a payment frequency:
* The following examples are for guidance only and may vary slightly.
Apply Now →- Your Loan
- $300
- Interest Rate
- 28%
- Payment Amount
- $60.53
- Terms
- 2 months
- Number of Payments
- 8
Frequently asked questions
Everything happens online. Choose an amount from $300 to $1,500, fill in the form, then connect your bank account for instant bank verification (IBV). The application takes a few minutes.
You have no documents to scan and no pay stubs to photograph. Instant bank verification (IBV) replaces them: you connect your account through a secure, read-only session, and we look at your income and account activity. Have your contact details and your online banking login ready.
We review applications during business hours, Monday to Friday, 8am to 6pm. If you receive an offer and sign your contract electronically, the funds are sent the same day by Interac e-Transfer, with no transfer fee. If you apply early in the day, the deposit can go out earlier.
Yes. The online form is open 24/7. An application sent outside business hours is reviewed when business hours resume, so the deposit is delayed until then.
No. We do not make a hard inquiry with Equifax or TransUnion. Eligibility rests on instant bank verification (IBV), which looks at your income and account activity. So applying does not trigger a hard inquiry.