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SkyCap Financial

Avg. Rating: 4.8 (16 reviews)

SkyCap Financial was founded in 2013 to provide alternative financing to Canadians.

We recognize that people fall into financial situations that are out of their control and can impact their credit negatively. We want to open the door to personal loans for you when others close it based on your credit history. With our team of highly skilled and dedicated individuals, we strive to provide a better lending experience.

Don’t let unexpected hardships catch you off guard—discover the existence of emergency loans!

  • TIME IN BUSINESS: SINCE 2013
  • # OF CUSTOMERS: OVER 100,000
  • TOTAL FUNDED: UNDISCLOSED
  • LOANS OFFERED: Personal Loan, Medical Loan, Auto Loan, Equipment Loan
Visit Site and Apply

1-866-743-7319

info@skycapfinancial.com 1020 Bayridge Dr Suite 104, Kingston
Call Center: Mon - Fri: 8:00AM to 8:00PM Sat: 9:00 to 5:30PM Sun: Closed
Support Offered:
  • Email Support
  • Phone Support
  • Blog
  • Social Media
  • Educational Resources
Availability: All of Canada, except Nova Scotia & Quebec

Products Offered

Below are all the products offered by this company.

Conditions & Rates

Interest rate 12.99% – 39.99% Amount $500 – $10,000 Term 9 – 36 Months

Eligibility & Documents

Who is eligible

  • Canadian resident
  • Over 18 years of age
  • Net Income over $1200 per month
  • Not in an active Bankruptcy/Credit Counselling, Consumer Proposal or Debt Consolidation programs
  • Main job must be a part-time or full-time job, pension, disability. Do not accept only Child Tax Credit income as the main source of income
  • Do not accept Employment Insurance, Social Assistance, seasonal employment
  • Do not do loans in Nova Scotia and Quebec

What you need to provide

  • One valid government issued photo ID
  • Two most recent paystubs
  • Last 90 days of banking transactions
  • Any type of Bill dated within last 60 days
  • Void Cheque

Repayment & Issuance

How fast can you get the money within 24 hours Funding method Direct Deposit How does repayment work Monthly, Semi-monthly Bi-Weekly or Weekly automated payments

Conditions & Rates

Interest rate 12.99% – 39.99% Amount $500 – $10,000 Term 9 – 36 Months

Eligibility & Documents

  • Canadian resident
  • Over 18 years of age
  • Net Income over $1200 per month
  • Not in an active Bankruptcy/Credit Counselling, Consumer Proposal or Debt Consolidation programs
  • Main job must be a part-time or full-time job, pension, disability. Do not accept only Child Tax Credit income as the main source of income
  • Do not accept Employment Insurance, Social Assistance, seasonal employment
  • Do not do loans in Nova Scotia and Quebec

What you need to provide

  • One valid government issued photo ID
  • Two most recent paystubs
  • Last 90 days of banking transactions
  • Any type of Bill dated within last 60 days
  • Void Cheque

Repayment & Issuance

How fast can you get the money within 24 hours Funding method Direct Deposit How does repayment work Monthly, Semi-monthly Bi-Weekly or Weekly automated payments

Conditions & Rates

Interest rate 12.99% – 39.99% Amount $500 – $10,000 Term 9 – 36 Months

Eligibility & Documents

  • Canadian resident
  • Over 18 years of age
  • Net Income over $1200 per month
  • Not in an active Bankruptcy/Credit Counselling, Consumer Proposal or Debt Consolidation programs
  • Main job must be a part-time or full-time job, pension, disability. Do not accept only Child Tax Credit income as the main source of income
  • Do not accept Employment Insurance, Social Assistance, seasonal employment
  • Do not do loans in Nova Scotia and Quebec

What you need to provide

  • One valid government issued photo ID
  • Two most recent paystubs
  • Last 90 days of banking transactions
  • Any type of Bill dated within last 60 days
  • Void Cheque

Repayment & Issuance

How fast can you get the money within 24 hours Funding method Direct Deposit How does repayment work Monthly, Semi-monthly Bi-Weekly or Weekly automated payments

Conditions & Rates

Interest rate 12.99% – 39.99% Amount $500 – $10,000 Term 9 – 36 Months

Eligibility & Documents

  • Canadian resident
  • Over 18 years of age
  • Net Income over $1200 per month
  • Not in an active Bankruptcy/Credit Counselling, Consumer Proposal or Debt Consolidation programs
  • Main job must be a part-time or full-time job, pension, disability. Do not accept only Child Tax Credit income as the main source of income
  • Do not accept Employment Insurance, Social Assistance, seasonal employment
  • Do not do loans in Nova Scotia and Quebec

What you need to provide

  • One valid government issued photo ID
  • Two most recent paystubs
  • Last 90 days of banking transactions
  • Any type of Bill dated within last 60 days
  • Void Cheque

Repayment & Issuance

How fast can you get the money within 24 hours Funding method Direct Deposit How does repayment work Monthly, Semi-monthly Bi-Weekly or Weekly automated payments

Articles About SkyCap Financial

SkyCap Financial Wants to Help Clients Get Back to Borrowing from the Bank
By Jared Lindzon

Jared Lindzon is an experienced journalist, writer and public speaker. He specializes in Business, Technology, Lending and FinTech industries in Canada and abroad. Jared is a regular contributor to Smarter Loans and top tier publications around the World, including Fortune Magazine, Fast Company, the Guardian, Rolling Stone, the Globe and Mail, and many more.

Frequently Asked Questions About SkyCap Financial

What is SkyCap Financial?

SkyCap Financial is a personal loan provider offering alternative financing to Canadians since 2013. Based in Kingston, Ontario, SkyCap offers lending to its customers through a quick and easy online loan application process, that in most cases can be completed in just five minutes.

Is SkyCap Financial Safe?

Yes, Skycap has been providing personal loans since 2013. SkyCap Financial has over 1000 customers and also provides SkyCap University, a free online course aimed at improving financial literacy for SkyCap Financial clients.

What Products and Services Does SkyCap Financial Offer?

SkyCap Financial offers a wide range of personal loans, including medical loans, auto loans, cash loans and more.

How Much Can I Borrow from SkyCap Financial?

You can borrow $500 - $10,000 from SkyCap Financial.

What Is the Interest Rate on a SkyCap Financial Loan?

The interest rates on SkyCap Financial loans range from 12.99 - 39.99%.

What Is the Term Length for a SkyCap Financial Loan?

Terms on a SkyCap Financial loan is between 9 and 36 months.

How to Qualify for a SkyCap Financial Loan?

To qualify for a SkyCap Financial loan you have to be a Canadian resident (excluding Nova Scotia and Quebec), 18+ years of age, have a net income of $1200+/monthly, not be in an active bankruptcy, main job must be part-time or full-time, or income can come from a pension, disability, but cannot be accepting employment or social insurance. Additionally, you'll have to provide one piece of valid government issued photo identification, two recent pay stubs, last 90 days of banking transactions, any type of bill dated within the last 60 days and a void cheque.

Can I Apply Online for a SkyCap Financial Loan?

Yes, you can apply anytime using their online application form.

How Fast Can I Get a Loan from SkyCap Financial?

Once your loan application has been approved and your agreement signed, SkyCap Financial will deposit the funds directly to your bank account. No waiting for a check to be in the mail, they get you the cash instantly.

How Will SkyCap Financial Send Me the Loan?

The loan proceeds are usually deposited directly into your bank account, or by wire transfer.

How Does Loan Repayment Work at SkyCap Financial?

You can set up automatic payments on their pre-authorized payment plan to automatically withdraw loan payments from your bank account when your payments are due.

Which Provinces Is SkyCap Financial Available in?

SkyCap Financial is available in all of Canada, except for Nova Scotia and Quebec.

What Kind of Customer Support Does SkyCap Financial Offer?

You can contact SkyCap Financial customer support by email or phone. SkyCap Financial also provides SkyCap University, a free online course aimed at improving financial literacy for SkyCap Financial clients.

What are SkyCap Financial Working Hours?

You can apply for a SkyCap Financial loan online or they can be contacted by phone, Monday through Friday from 8AM to 8PM EST.

SkyCap Financial Reviews

Avg. Rating: 4.8 (16 reviews)
WRITE A REVIEW
Really helped me out

I had trouble getting a loan at many of the places I applied at. My credit is not great and these guys are the only ones that were kind enough to hear me out and help me when I needed financing. Thanks!

Rachel Storm
Helpful Staff

Very easy to deal with, excellent response time in assistance with any questions. The staff are very knowledgeable in financial services and matters. Excellent company to deal with.

Jimmy Parks
Great Experience

I have no concerns and had a great overall experience with SkyCap

Angel
Thank you SkyCap!

The service was exceptional and staff very friendly and attentive. I would recommend Skycap Financial to my friends and family.

Lydia T.
Fast and Easy

Excellent customer service, Quick turnaround time!

Bobby S.
Thank you

Love how your there to help figure things out in tough situations. Appreciate all the help with finding the best solution for myself in regards to this program . Thank you.

Brandi P.
Amazing Overall Experience!

Awesome! Great! Amazing!

Jason S.
Excellent Customer Service

Great service. Jen was great

Daffodil B.
Great job!

Excellent customer service and great follow up.

Troy G.
Overall great experience!!

This is the first time I used skycap and they are all very nice people to deal with. Would recommend then to anyone and I will use then again in the future.

Gordon Dooley
Amazing Overall Experience!

Awesome! Great! Amazing!

Jason S.
Excellent Customer Service

Awesome customer service

Lisa Lawson
Amazing!

Great and easy process

Vanessa T.
Accepted Disability

Not many loan companies will accept disability as a source of income. SkyCap was able to help me with a small cash loan. Thank you!

Melanie
Friendly

They approved us and got their first payment yesterday so just waiting for our new bed. They seem friendly, eager to please and worked with us to get funding for our bed which we cant wait to get hopefully soon.

Dale
My opinion

Staff was excellent and application process very simple. Just a little surprised that after my third loan in 2 1/2 years that the interest is higher than I expected. You would think in that time with not one missed payment it could have been a little lower. Overall a good company to deal with.

Jamey

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