Time in business:
Customers:
Total funded:
Loans offered:
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.
Products Offered
AMOUNT
$500 - $10,000
INTEREST RATE
12.99% - 39.99%
TERMS
9 - 36 Months
Personal Loan
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
Medical Loan
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
Auto Loan
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
Equipment Loan
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
Contact information
info@skycapfinancial.com- 1020 Bayridge Dr Suite 104, Kingston
Availability:
All of Canada, except Nova Scotia & QuebecSupport Offered:
- Email Support
- Phone Support
- Blog
- Social Media
- Educational Resources
Call Center:
Mon - Fri: 8:00AM to 8:00PM Sat: 9:00 to 5:30PM Sun: ClosedFrequently Asked Questions About SkyCap Financial
What is SkyCap Financial?
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.
What Is the Interest Rate on a SkyCap Financial Loan?
The interest rates on SkyCap Financial loans range from 12.99 - 39.99%.
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.
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 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.
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.
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.
How Much Can I Borrow from SkyCap Financial?
You can borrow $500 - $10,000 from SkyCap Financial.
What Is the Term Length for a SkyCap Financial Loan?
Terms on a SkyCap Financial loan is between 9 and 36 months.
Can I Apply Online for a SkyCap Financial Loan?
Yes, you can apply anytime using their online application form.
How Will SkyCap Financial Send Me the Loan?
The loan proceeds are usually deposited directly into your bank account, or by wire transfer.
Which Provinces Is SkyCap Financial Available in?
SkyCap Financial is available in all of Canada, except for Nova Scotia and Quebec.
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: 4.9 (22 reviews)
Really helped me out
April 7, 2018
“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! ”
Helpful Staff
August 27, 2018
“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.”
Great Experience
September 21, 2018
“I have no concerns and had a great overall experience with SkyCap”
Thank you SkyCap!
September 21, 2018
“The service was exceptional and staff very friendly and attentive. I would recommend Skycap Financial to my friends and family.”
Fast and Easy
September 21, 2018
“Excellent customer service, Quick turnaround time!”
Thank you
September 21, 2018
“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.”
Amazing Overall Experienc...
September 26, 2018
“Awesome! Great! Amazing!
”
Excellent Customer Servic...
September 26, 2018
“Great service. Jen was great
”
Great job!
September 26, 2018
“Excellent customer service and great follow up.
”
Overall great experience!...
October 5, 2018
“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.
”
Amazing Overall Experienc...
November 28, 2018
“Awesome! Great! Amazing!
”
Excellent Customer Servic...
November 28, 2018
“Awesome customer service
”
