Once approved, you'll receive your funds via Interac E-Transfer within 30 minutes. Most applications are approved instantly, so you could have money in your account in less than an hour from starting your application.

No, we don't perform traditional credit checks. We accept all credit situations including bad credit, no credit history, previous bankruptcies, and consumer proposals. Your approval is based on your current ability to repay.

You can use your loan for any personal purpose - emergency expenses, bills, car repairs, medical costs, or any other financial need. We don't restrict how you use your funds.

You need to be 18+ years old, a Canadian resident, have a monthly income of at least $1,200, and an active Canadian bank account that accepts Interac E-Transfer. That's it!

No hidden fees whatsoever. We charge no application fees, no credit check fees, and no early repayment penalties. The amount you agree to repay is the only amount you'll pay.

We offer flexible repayment options via automatic withdrawals from your bank account. You can choose weekly, bi-weekly, or monthly payments based on what works best with your pay schedule.

We understand that circumstances change. Contact our customer service team at least 2 business days before your payment date, and we'll work with you to adjust your payment schedule.

Absolutely. We use bank-level 256-bit SSL encryption to protect all your personal and financial information. Your data is never sold or shared with third parties.