Credit Matik Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan
Credit Matik publishes a clear, income-based gate: age, residency, three months of employment or an eligible income, direct deposit, and a minimum monthly income that differs by province. Credit history is explicitly not part of the decision.
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Credit Matik (creditmatik.ca) is a Canadian online credit service offering fast financing of $500 to $1,500 with no credit check, available to residents of Quebec and Ontario. Access to its fast credit is part of a paid membership that also includes credit monitoring, merchant discounts and other financial tools.
To qualify in Quebec you must: be at least 18 years old; reside in Quebec; have been employed for at least three months and/or receive an eligible income; receive your income by direct deposit into a Canadian financial institution; not be insolvent; and have a minimum net monthly income of $1,500.
To qualify in Ontario you must: be at least 18 years old; reside in Ontario; have been employed for at least three months and/or receive an eligible income; receive your income by direct deposit into a Canadian financial institution; not be insolvent; and have a minimum monthly income of $2,500.
Credit Matik accepts a wide range of income sources. In Quebec: employment income, parental insurance (RQAP), CNESST and SAAQ compensation, solidarity benefits (disability or basic income), pension plans, self-employment income, government pensions (OAS, GIS, CPP) and Employment Insurance. In Ontario: salaried income, various pensions, self-employment income, ODSP, OAS, GIS, CPP, Employment Insurance and WSIB.
No. Credit Matik never runs credit checks. Approval is based on your current income and ability to repay, verified through secure Instant Bank Verification (IBV). The company states that your credit history will never be the reason an application is declined.
The membership costs $3.53 per day, charged on a weekly basis, per the company's published FAQ. Only members can request fast credit of up to $1,500. The membership also includes Equifax Complete Premier credit monitoring, identity-theft protection, merchant discounts and access to other financial tools.
In most cases funds are deposited by Interac e-Transfer the same day the request is approved - in Ontario, same-day deposit applies to applications completed and approved before 2:30 p.m. Depending on your financial institution, the deposit can take 24 to 48 business hours.
No. Credit Matik states it does not offer payday loans. It offers a flexible credit alternative repaid over several installments rather than in a single lump sum on your next payday, which the company positions as easier to budget and less risky than a traditional payday loan.
