Credit 700

Micro Loans

1. Micro-Loans ($300–$2,000)
Crédit Personnalisé’s main product is a short-term micro-loan that helps individuals handle temporary financial challenges quickly and easily.

• Borrow from $300 up to $2,000

• Repayment schedules vary by pay frequency (weekly, biweekly, or monthly)

• Funds deposited the same business day once approved

• Flexible loan renewal options for returning clients

2. Emergency Cash Loans
Ideal for unexpected expenses such as car repairs, medical bills, or overdue payments, these loans provide immediate relief with a simple digital process and no long forms to fill out.

3. No-Credit-Check Loans
Crédit Personnalisé focuses on your ability to repay, not just your credit history. Approvals are based primarily on income stability, making it possible to get a loan even with poor or limited credit.

4. Returning Customer Renewals
Clients in good standing can renew their loan or apply for an additional amount through the secure client portal, often with even faster approval times.

Key Features

• Loan range: $300 to $2,000

• Decision time: often within 30–60 minutes

• Funding: same-day deposit options (instant, Interac, or standard)

• No hidden fees — all costs are clearly disclosed before approval

• 100% online — no paperwork, phone calls, or in-person meetings

• Multilingual service (English and French)

• Confidential and secure application system

• Available to all credit types

Funding Options

Crédit Personnalisé offers multiple convenient deposit methods once your loan is approved:

• Instant deposit: funds transferred to your account within ~30 minutes

• Interac e-Transfer: typically received within 1 hour

• Standard deposit: available within 24 to 48 business hours

This flexibility allows customers to choose the method that best fits their urgency and banking setup.

Eligibility Requirements

To qualify for a Crédit Personnalisé loan, applicants must:

• Be 18 years of age or older and reside in Canada

• Have a stable income from employment or another verified source

• Maintain an active Canadian bank account

• Provide government-issued photo ID

• Not be currently in bankruptcy or under wage garnishment

The company evaluates your income, payment history, and number of active short-term loans to determine eligibility responsibly.

Fees and Cost of Borrowing

Crédit Personnalisé complies with provincial payday and micro-loan regulations. All fees, interest rates, and repayment terms are disclosed before signing the contract.

• NSF/Returned Payment Fee: $55 if a payment is declined by your financial institution

• Early repayment: allowed anytime, with no penalty — and you save on interest by paying off early

• Transparent pricing: total repayment amount shown in advance in your contract

How It Works

1. Choose Your Amount
   Use the on-page calculator to select an amount between $300 and $2,000 and see the estimated repayment amount.

2. Apply Online
   Complete the secure online form with your personal and banking details. The process takes only a few minutes.

3. Review and Approval
   Your application is reviewed quickly — usually within an hour. You’ll be notified of approval and the total cost before signing.

4. Receive Your Funds
   Choose your preferred deposit option: instant deposit, Interac e-Transfer, or standard deposit.

5. Repay on Schedule
   Payments are automatically withdrawn on your pay dates, and you can renew or reapply after your loan is fully repaid.

Why Canadians Choose Crédit Personnalisé

• Fast decisions and same-day funding

• Flexible repayment options based on pay frequency

• Inclusive for all credit types, including bad credit or no credit

• Licensed and transparent — fully compliant with Canadian lending laws

• Easy renewals for returning customers

• Safe and confidential with advanced data protection

• Human support team for help by email or phone in both English and French

Frequently Asked Questions

What happened to Credit 700?
Credit 700 has rebranded as Crédit Personnalisé. The new brand offers the same fast online loans with an updated website, improved technology, and faster approvals.

How much can I borrow?
You can borrow between $300 and $2,000, depending on your income and loan history.

How fast can I receive the money?
Funds are usually available the same business day, with instant or Interac deposit options.

Do I need good credit to apply?
No. Your application is based mainly on your income and repayment ability — not your credit score.

Are there hidden fees?
No. Crédit Personnalisé discloses all costs upfront, including repayment totals and any applicable service fees.

Can I repay early?
Yes, you can repay your loan anytime without penalty and save on interest.

Is the service available across Canada?
Yes, Crédit Personnalisé serves customers in multiple provinces across Canada, subject to local regulations.

Can I renew my loan?
Yes, returning customers who have repaid previous loans in full can renew or reapply with even faster approval.

How does repayment work?
Payments are automatically withdrawn from your bank account based on your pay frequency.

Are my personal details safe?
Yes, the application system uses bank-level encryption and data protection protocols.

Is this a payday lender?
Crédit Personnalisé operates similarly to a payday-style short-term micro-loan provider, but with more flexible repayment options and transparent terms.

What happens if I miss a payment?
You may be charged an NSF fee of $55, and your account may be reviewed before future loans are approved.

Can self-employed individuals apply?
Yes, as long as they can provide proof of consistent income and bank activity.

Do you perform a credit check?
Crédit Personnalisé may perform a soft inquiry, but approval is not based solely on your credit score.

How do I contact Crédit Personnalisé?
You can reach the team through their secure website at creditpersonnalise.co.