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Alterfina

Avg. Rating: 5.0 (2 reviews)

Alterfina is a no credit check lender that offers short term cash financing solutions, in a 100% secure and confidential way and no matter your financial situation.

TIME IN BUSINESS: Since 2013
LOANS OFFERED: Short Term Loans, Cash Loans

Visit Site and Apply

1-888-350-7738

302-7750 boulevard Cousineau, Saint-Hubert, QC, J3Z 0C8

Call Center: Monday to Thursday : 8am to 5pm Friday : 9am to 4pm Saturday : 9am to 5 pm Sunday : Closed

Support Offered:

Phone Support
Email Support
Social Media
Payment Calculator

Availability: Ontario & Quebec

Products Offered

Below are all the products offered by this company.

Conditions & Rates

Rate

18.99%

Amount

$500 – $2,500

Term

48 Months

Eligibility & Documents

Who is eligible

Québec:

Minimum Monthly income: 1500$ or more
NSF in the last 90 days: Less than 5
Stop payment in the last 90 days: Less than 3
Complete IBV: Have a minimum of 30 days of transaction
Age: 18 years old or more

Ontario:

Minimum Monthly income: 2500$ or more
NSF in the last 90 days: Less than 10
Stop payment in the last 90 days: Less than 3
Complete IBV: Have a minimum of 30 days of transaction
Age: 18 years old or more

What you need to provide

Banking Verification
Complete Online Application

Repayment & Issuance

How fast can you get the money

Same Day

Funding method

Direct Deposit

How does repayment work

Weekly, biweekly, monthly

Frequently Asked Questions About Alterfina

Who does Alterfina lend money to?

Alterfina provides financing solutions to residents of Quebec and Ontario who meet our eligibility criteria. To qualify, you must be at least 18 years old, have a stable job or admissible income source, and meet our minimum monthly income requirements—$1,500 in Quebec and $2,500 in Ontario. We do not lend to individuals who are currently bankrupt.

What types of loans does Alterfina offer?

Alterfina specializes in short-term cash financing solutions. Our open credit allows you to access funds quickly and repay over time with flexible terms. Whether you need funds for unexpected expenses, bills, or personal needs, we provide a simple and fast lending option.

How much money can I borrow from Alterfina?

Alterfina offers financing amounts ranging from $500 to $2,500. The amount you qualify for depends on your income, banking history, and other eligibility factors.

What is the interest rate on an Alterfina loan?

Our loans have an annual interest rate of 18.99%.

How long does it take to receive my money?

Once approved, most clients receive their funds before midnight. However, depending on your bank, it may take 24 to 48 hours for the deposit to appear in your account.

Does Alterfina check my credit score?

No! Alterfina does not perform credit checks. We base our approval process on your income and banking history rather than your credit score.

Is borrowing from Alterfina safe?

Yes! Alterfina provides 100% secure and confidential financing. We use industry-standard security measures to protect your personal and financial information.

How do I apply for a loan with Alterfina?

Applying for a loan with Alterfina is simple. First, fill out and submit our online application form. Next, complete a secure bank verification to confirm your financial details. If your application is approved, you’ll need to finalize the process by providing any required information. Once everything is completed, your funds will be deposited—most often on the same day!

Does Alterfina charge any additional fees?

Yes, we charge a weekly membership fee of $24.20 if there is an active balance on your account. This fee helps us provide continued access to funds when you need them.

What happens if I can’t make a payment?

We understand that life happens! You can request a payment deferral up to 72 hours before your due date if you need extra time.

Does Alterfina verify my employment?

In some cases, we may need to verify your employment. This is done confidentially, and your employer will not be informed that the verification is for a loan request.

How long has Alterfina been in business?

Alterfina has been providing reliable financing solutions since 2013. Our experience in the lending industry allows us to offer a fast and easy borrowing process with flexible repayment options.