How Does It Work?

1. Admission or renewal

Admission Criteria

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You must be a resident of Québec aged 18 and older.

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You must have a stable, qualifying income exceeding $1,200/month.

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You must have a civic address.

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You must have an active phone number.

First-Time Request OR Renewal

Steps for a first-time request:

• Fill out the online application form or call us at 1-855-776-2114.
• Complete the instant bank verification.
• Receive a response on the same day.

Steps for a renewal:

• Submit your request through your client space or by phone at 1-855-776-2114.
• Complete the instant bank verification.
• Receive a response in less than 1 hour.

2. Approval

We will review your application swiftly without conducting a credit check. The process focuses on verifying your documents and income to confirm that you can repay the loan within the agreed timeframe. If your application does not meet the minimum criteria, such as adequate income or a reliable payment history, your request may be declined.

3. Deposit Options

Choose your deposit method:
• Instant Deposit (Funds available in 30 min.)
• Interac E-Transfer Deposit (Funds available in 1 hour)
• Regular Deposit (Funds available in less than 24h, the same evening or the next day)

*Regular deposit or Interac E-Transfer only for certain financial institutions.
*Fees apply for Instant Deposit and Interac E-Transfer methods.

4. Repayment Terms

You can repay your loan over a maximum term of 5 months, with payments tailored to your pay frequency.

Once your credit application is submitted, we will provide all necessary details regarding the repayment conditions.

The annual interest rate is fixed at 19.99%, and guarantee fees may apply.

Your are a new customer?

or if you are already a customer

Policy concerning responsible extension of credit

Applications go through an approval process to ensure the applicant has the means to fully reimburse their microcredit. This process may include, among others, verifying that your salary will cover borrow expenses, that you haven’t missed too many payments in the past, and that you don’t have a large number of microcredits already under way. Because of this obligation, we reserve the right to refuse applicants.

Repayment term

Our microcredit repayment terms range from 12 to up to 18 weeks.

Missed payments

Any payment refused by your institution for insufficient funds or another reason will incur a $55 fee

Repayment example

Your $750 microcredit payable in 16 weekly instalments will cost you $72.92 per payment for a total of $1166.73.

This information is given as an example only and takes into account the guaranteed fees to be added to the borrowed capital. The guarantor determines its guaranteed fees at its sole discretion for each application, and the fees are separate from the capital and interest of the lender.

No stains on the credit file

Your loan application will in no way affect your credit score with the credit agencies. Our collection department uses work methods you can rely on. What’s more, if you miss a payment, our collection agents will reach out to you to make additional payment arrangements, at their sole discretion.

Be responsible!

Used responsibly, microcredits may be the right solution for you. However, they have higher interest rates and fees than loans obtained through a local chartered financial institution. This type of service should be used as infrequently as possible or in the case where no other alternative solution, at lower rates of interest, is available to you. Taking out several loans of this nature will burden you with debt and lead to serious financial trouble.

Annual Percentage Rate (APR)

The annual interest rate is 19,99%.


Our microloans range from $300 to a maximum of $2,000.

Responsible Credit

The use of microcredits requires careful consideration. These financial solutions are designed for occasional needs and should be considered as a short-term recourse. It is important to use them judiciously and sparingly.

Estimate your payments

Amount desired

Frequency of payment

Reimbursement estimate

Apply for a loan