Monday to Thursday 8:30 to 5:00 - Friday 8:30 to 4:00
How Does It Work?
1. Admission or renewal
Admission Criteria
You must be a resident of Québec aged 18 and older.
You must have a stable, qualifying income exceeding $1,200/month.
You must have a civic address.
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.
- 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%.
- Amounts
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