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How much can you borrow?

$1,000 – $30,000

Interest Rate

5.9% – 18.99%

Terms

36 months

Who is eligible?

19 years of age
Citizen or permanent resident of Canada
Have 12 months of credit history within Canada
Minimum gross annual employment income of $30,000
Minimum credit score of 660.

What do you need to provide?

A picture of the front and back of your driver’s license or provincial ID card, and a photo of your face.

A picture of a secondary piece of government issued photo ID. (One of the following: passport, birth certificate, social insurnace card, provincial health card, permanent resident card or Nexus card.

Copies of your two most recent employment pay stubs. If you can’t provide pay stubs, we will also accept copies of your three most recent years of notices of assessment from the Canadian Revenue Agency.

Your three most recent months of bank account activity from the account that your pay goes into, using a secure online banking verification service.

A void cheque or direct deposit form for the account that you verified in the step above. We will deposit your loan and debit loan payments from this account.

How long does the application take?

Several minutes

How long does it take to get approved?

Several minutes

How fast can you get the money?

Within 2 business days

How do you get the money?

Direct Deposit

How do you repay the loan?

Monthly automated withdrawals from your bank

Origination Fee?

No

NSF Fee

Yes

Early Repayment Penalty?

No