One application. 13 lenders from our 50+ network. Funded in 24 to 48 hours.
Apply Now One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
Small-dollar borrowing is less common here than elsewhere in British Columbia, so the instalment products in the table are usually the relevant ones.
Four gates, in the order lenders apply them.
Income type comes first. 11 of 13 lenders serving Richmond accept any income type, including benefit income such as PWD or Income Assistance. The rest require employment or self-employment. This field decides more applications than credit score does.
Income floor is absolute. Most lenders publish a minimum monthly income, most commonly $1,200 per month. Below a lender's floor, nothing else compensates.
Credit is more flexible than expected. 8 of 13 lenders serving Richmond approve applicants below a 560 credit score. A decline is one lender's threshold, not the market's.
Banking history can replace credit history. Lenders that connect read-only to your account assess deposit regularity rather than your file, approve applications a bureau score would decline, and fund fastest.
Worth checking before borrowing. Each costs less than any loan.
Licensing is provincial, so the same lenders serve every British Columbia community. High-cost credit licensing applies at or above 32% APR. The regulator is Consumer Protection BC. The full picture is on the British Columbia page.
All lenders licensed in British Columbia serve Richmond, almost entirely online with e-Transfer funding. The same 35% federal cap and BC high-cost credit licensing rules apply as everywhere else in the province.
Yes. Several lenders serving BC accept self-employed income, assessing recent bank statements rather than employment letters. Consistent deposits over three to six months matter more than the income label.
