Installment Loans of up to $3000

A SMART PAYDAY LOAN ALTERNATIVE
NO CREDIT CHECKS

APPLY NOW RENEW LOAN

INSTALLMENT LOANS

$300 to $3,000

514 loan officer agent

GET MONEY TODAY WITHOUT THE HASSLE

SHORT TERM ONLINE LOANS
NO CREDIT CHECKS

APPLY NOW RELOANS

APPLY ONLINE AND GET CASH FAST!‎

Apply for Micro Loan in Canada
STEP 1

Apply Online

Same day loanapproval even with bad credit
STEP 2

Get Same Day Approval

Cash or direct deposit upon approval
STEP 3

Money in Your Bank Account

Instant Same Day Approval
Even with Bad Credit

1h Same day Online Payday Loan Alternative

APPLY NOW

Bad debt in Canada

INCREASING DEBT IS CRUSHING US: THE BURDEN ON CANADIANS

Consumer Debt: The Size of the Problem According to the credit-reporting firm Equifax, the average Canadian household carries $22,800 in non-mortgage-related debt. When we look at people aged 46-55, that...

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Money keeps flying away

5 Reasons to Consider an Installment Loan When the Unexpected Strikes

When the unexpected happens, it can feel overwhelming. Where do you come up with extra money when your budget is already stretched almost to its limit? For unforeseen expenses like...

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Confused with too many financial obligations

How to Improve Your Credit Score in Canada with having Bad Debt

Yes. Big brother is always watching. Particularly when you apply for any kind of credit or loan. From payment histories to current balances, the bureau knows all That also includes...

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Couples and financial strain

How to Prevent Debt Issues from Destroying a Couple

While money certainly isn’t everything, it is still as critical to thriving and surviving now as it has always been. It can also be a major cause of tension and...

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Piggy Bank - No Credit Checks

WHO ARE WE
We are brokers that work with direct lenders. We provide a service to find you the best rates within our trusted network of lenders.  Applying with bad credit is possible because we are alternative lenders are willing to can take on bigger risk. If you’ve run into bad luck or the unexpected we are there to help when you need the money most.

FEES AND INTEREST
Depending on our lender, APR (Annual Percentage Rate) can vary between 22% to 35%. For those that do not meet our requirements we may refer you to lenders outside our network or help you with a debt consolidation solution.

TERMS OF REPAYMENT
Our lender’s can be repaid typically within a period of 120 days and not less than 90 days. Terms can be modified if the you inquire with us in advance.

WHAT MAKE US BETTER THAN PAYDAY LENDERS 
Typically payday lenders require borrowers to  pay when they receive their next pay check. As long as you are in good standing with us borrowing won’t negatively impact your credit score. You can pay us back as soon as you like.

EXAMPLE COST OF BORROWING
$300 borrowed over 3 months at an APR of 32% is payable every two weeks and refundable in 6 payments of $80 for a total amount of $480. This example considers the $130 brokerage fees to be added to the borrowed capital. The broker sets their commission for each applicant at their own discretion regardless of interests due to the lender agency.

Although our lenders do not currently offer terms of one year the cost of an APR of 32% would be $96.00. Our lender’s terms typically do not exceed 5 months. Rates and temrs can be subject to change.

MISSED PAYMENTS
If any payments are refused from your bank for insufficient funds or any other reason. You can be charged a NSF fee of $40. If you cannot pay us on time please contact us as soon as possible and we will see if we can reschedule a payment. We allow for for only one re-rescheduling of a payment to help you if you are having difficulties.

BORROW MONEY RESPONSIBLY
Please be responsible and careful when you borrow. This type of financing is meant to be used as a bridge to solve your immediate crisis. Our lenders take the risk to lend you the money regardless of your credit history. Interest rates are relative to risk and may be higher than conventional banking institutions. We are there to help if no other solutions are available and you need a bridge to avoid issue which include NSFs, late payments and penalties.

APPLYING ONLINE IS SAFE WITH US
Your personal information is kept between you and us stored in our secured system.  We do not perform a credit score verification and it’s not affected when making an online application. Our valued customers love that we provide an easy, fast and friendly online experience every time and many of our satisfied clients have shared their stories.

HOW TO QUALIFY FOR A PERSONAL LOAN
We make it easy to apply online and receive an same day decision on your loan application. Your application can be done from your mobile phone or computer and no paperwork needs to be sent in.

Loan approval is based on a few factors which include
1. You are a Canadian citizen
2. You are employed
3. Not on welfare
4. Have a bank account where you receive pay checks
5. Over 21 years old
6. Not be bankrupt or in a consumer proposal
7. Not live in Alberta
8. Not receive child tax benefits

Trusted Partners and Providers

EFT Canada is our reliable provider of advanced electronic payment services

Decision Logic is our trusted partner for bank transaction verification

Microbilt provider of
risk management reporting for our valued clients

Interac e-Transfer is one of our methods of processing electronic payments to our clients safely and fast

Same Day Money Deposited in Your Account

We can offerunsecured loans even with bad credit.

Payday Loans Alternative

Pay your urgent bills on time and avoid penalties and service interruptions.