Frequent ask questions

You have questions ? You may find the answer here. For all other questions, contact us [email protected] We will respond as soon as possible. Open and infinitely renewable financing, for more flexibility.

1. I am over 18 years old.
2. I have a monthly income of at least $ 1,800.
3. I work and live in Quebec.
4. I have been at my job for more than 3 months.
5. I am paid by direct deposit into a Canadian bank account.
6. I am not self-employed.
7. I am not on social assistance.
8- I am not in the process of bankruptcy or proposal.
 
IMPORTANT
You must show less than 3 NSF or stop payments within the last 3 months.

The rate applied is 22%. Make your request without delay! Fill out the form now!

Since 100% of requests must pass a bank verification, our process is paperless. Upon eligibility, you will only need to provide our billing department with a photo ID. If there are any discrepancies in your account, we may require additional documentation such as a pay stub or utility bill.

In order to have access to your money as quickly as possible, you must apply for your credit directly online via our application form. This will allow us to qualify your request and deposit your funds quickly to your bank account.

The variable credit contract is the document we send to validate our agreement with you OR the document 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 they can use at their discretion and that the repayment of the amount used can be made early without additional charges or penalties.

A term loan granted by a bank is generally made over a longer repayment period (over several years).

The variable credit contract is the contract by which credit is granted in advance by a merchant to a consumer who may avail himself of it from time to time, in whole or in part, depending on the terms of the contract. The variable credit contract includes in particular the contract concluded for the use of what is commonly called a credit card, credit account, budgetary account, revolving credit, line of credit, line of credit and any other contract of the same nature.

If you complete your process before 5:00 p.m. Eastern Time, your funds will be sent via wire transfer the same day. It is important to note that we do not control wire transfer delays and it may take up to 4 hours to receive the funds deposit notification.

These sources of income are NOT eligible for funding
- Family allowances, Pension, Social assistance, Invalidity.

Your request could be refused:
- If you are under a consumer proposal or a voluntary deposit;
- If we determine that your employment is currently unstable;
- If the required documents are incomplete or if the information is incorrect.

YES ! You can request the deferral of only one (1) payment. To defer a payment, please send an email to the following address: [email protected]

To defer a payment by sending an email to the following address [email protected], at least 72 working hours before the date of the debit. A fee of $ 10 is applicable. However, you will avoid additional costs related to lack of funds if you pay on time.

YES ! We encourage all of our customers to make prepayments in order to save interest and weekly membership fees. You can request your prorated balance at any time and pay it by wire transfer. It is important to note that pre-authorized debits are mandatory for minimum payments.

We do this without a credit check. In fact, we don't think a credit score is the only thing to consider. The credit granted is based on the consistency of your income in relation to your expenses. However, your repayment capacity is checked so as not to expose you to over-indebtedness.

We will validate your employer's phone number, but we will not inform them that this is a funding request. In the event that we can no longer reach you at the number in your file, your employer or one of your references may be contacted.

You can request a deferral of payment by sending an email to the following address: [email protected] at least 72 working hours before the date of the debit. A fee of $ 10 is applicable. However, you will avoid additional costs related to lack of funds if you pay on time.

Collection procedure and credit rating: Our company complies with Canadian legal standards. If a special situation arises during your repayment period, our collection department will establish a repayment agreement with you taking your situation into account. In the event that the debtor fails to make any of the payments provided for in this contract by the due date, the creditor may demand full payment of any outstanding balance, principal, interest and costs. All legal and extrajudicial costs which will be reasonably incurred in the event of defects in this contract will be claimed from the debtor for any check or pre-authorized payment returned to the creditor. In the event that no payment agreement is possible between the debtor and the creditor, the creditor can assign the case to a collection agency, which can then affect the debtor's credit rating.

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