We can get you money the same day that you apply. If for example we have a signed agreement by 2pm, we can guarantee money in your account before the end of that very same day. You can sign your agreement with just one click using your online client access portal.
Great question! There are a few conditions we ask for in order to be eligible for an instant cash loan. First you have to be 18 years of age or older. Next you have to live in Ontario and have a Canadian bank account. We also require that you are employed and have had the same employer for at least 3 months and are not in the process of bankruptcy.
That’s fine with us in most cases. For example if you’re receiving income from a pension plan that is more than $1200 dollars per month, you’re eligible for our loan services. Unfortunately we are unable to provide loan services to Canadian citizens who are on certain types of social assistance like welfare. Please contact us to talk about your personal situation and to assess if you are eligible for a loan.
An application for a loan can be denied for a few different reasons or a combination of these reasons. For example if you do not meet the eligibility criteria listed above (employed for a minimum of 3 months, not in process of bankruptcy etc.) your loan application could be denied. Other reasons for refusal could be that you didn’t properly fill out your paperwork, that you have more than a couple loans at one time, that you have incurred more than 4 NSF charges recently or that you have registered voluntary deposits. If your loan application was refused and none of these reasons apply to you, please get in touch with our team to discuss your situation.
Instant bank verification (IBV) is a service that allows you to get access to a read-only copy of your bank statement for the last 90 days. That’s all we need to get your loan approved! No credit checks required! This service operates with bank-level security and is now the most efficient technology to get a loan! For more information please visit our Paperless Loan page.
Fax machines aren’t as common as they used to be, so if you don’t have access to one in your home or office don’t worry there are a number of places you can find one. Typically the local office supply store like Staples has a fax machine service open to the public. Similarly local post offices, pharmacies and convenient stores in your area may also offer fax services to the public.
We can help to defer your payment schedule if you notify us of your situation at least 3 business days before your payment is due. However we can only make these types of arrangements if you have already completed three loan repayments with us. That means you cannot take a loan and then immediately request to modify your payment schedule, you can only do so after three repayments have been made. It is in your best interest to repay your loan on time. If you cannot repay the loan on time it’s best to notify our team as soon as possible to avoid incurring over $100 in fees from insufficient funds charges on your account.
During your credit application, you may have given confidential information to the agent to assist you in retrieving your statements that are required for the analysis of your application. If you have submitted your bank access card number, your user code or your password to access your online account, you must change it immediately. And, in doing business with us, you acknowledge that it is your sole responsibility to ensure the confidentiality and protection of your banking information.
Our Holidays service hours:
December 24th = 9am to 2pm
December 25th = closed
December 26th = 12pm to 5pm
December 31st = 9am to 2pm
January 1st = closed
January 2nd = 12pm to 5pm
Please note that if you need to defer a payment, you will need to allow for added delays.
If your loan repayment payment is normally due between: