Bad Credit Loans

The Smart Payday Loan Alternative

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Bad Credit Loans

It gets chilly in the winter, hot in the summertime as well as has a rich, varied culture. As well as, like anywhere in Canada, many of its residents need financings as well as various other credit rating items to assist with their economic circumstances. They require bank cards for their daily expenditures, lendings for their autos, as well as mortgages for their residences. Whether they have good or bad debt, there are plenty of banks, credit unions, and also various other lenders that can provide them with those much-needed credit products.

The distinction between good credit scores as well as negative credit scores is exactly how they’ll require to set about obtaining accepted for those items. Numerous lending institutions have laws they must follow when it comes to their borrowing treatments. As a result, a lot of consumers with bad debt have a more challenging time getting authorized than those with appropriate credit scores. Well, if you remain in a comparable situation, don’t worry since there are always solutions for you. We understand the predicament of the negative credit scores customer, and also we’re right here to tell you there is still really hope.

Credit Report

The state of your credit score record is one of the primary elements that lenders think about before they approve or deny your applications. Essentially, a credit history report is a profile which contains a record of all your credit-related purchases from the point you become a credit score user to the time when those purchases are expunged several years later. In addition to your personal info (name, address, Social Insurance Number, etc.), most instances of your credit history usage remain in your report for 6-7 years, depending on what they are.

Credit Inquiry

When considering you for new credit, loan providers will request a copy of your credit report from one or both of Canada’s leading credit reporting companies, TransUnion and Equifax. Frequently described as credit bureaus, these agencies are the central hubs where all Canadian credit reports are held. Many lenders work with only one bureau. So, when identifying your creditworthiness, among the primary steps loan providers take is to pull your credit report, otherwise referred to as credit questions. There are 2 types of queries:

  • A “soft” query often occurs when a possible landlord, employer, or other company pulls your report but is not entering into a credit-related relationship with you. Soft questions likewise occur when you ask for a copy of your report for any factor. Either way, your credit history will not be affected. Look here to find out how to get a free yearly copy of your credit report.
  • A “hard” inquiry takes place when your present and prospective loan providers demand your report while considering you for new credit. Hard questions do trigger your credit score to drop a few points and will impact it for several months, so ensure not to obtain excessive credit, at one time.

When a loan provider requests your report, what they’re really taking a look at is your credit rating, a record of all your credit-related deals, including your payment history, active or closed accounts, and financial delinquencies (debt management programs, consumer proposals, personal bankruptcies, and so on). The better you handle your credit rating, the better your possibilities of approval will be.

Credit Score

Your three-digit credit rating is another crucial element that many lending institutions look at during their approval procedure. Similar to your grade-point-average, your credit rating includes all your credit activity into an average. And, just like your grades, it fluctuates based on how you’ve been handling your credit transactions. If you make prompt complete payments and participate in other accountable credit behaviours, your rating rises gradually. If you do the opposite, meaning you make late, short, or miss payments totally and take part in other careless credit behaviours, your rating drops. When again, the better your credit history is, the much better your possibilities of approval will be.

According to TransUnion, a score of 650 or more will give you the very best odds of acquiring a lending institution’s approval and a favorable rate of interest to choose it. The more your rating goes below that level, the even worse your opportunities of approval let alone a higher rate of interest.

Credit Rating

Another location where it pays to be prudent is your credit score, which lenders also examine. For every charge account you have active, no matter what the item, you’ll have a credit rating, which has a letter and matching number. Once again, a greater score increases your chances of approval, alongside a beneficial interest rate.

  • “I”: suggests your loan is “installment” based, so you’ll make regular payments (weekly, month-to-month, and so on) over a specified duration up until the full sum is repaid.
  • “O”: indicates you have “open” credit, typically seen with lines of credit or student loans. Here you’ll have a credit limit to obtain from as required. You’ll also have a minimum regular monthly balance payment to keep up with.
  • “R”: suggests you have “revolving” credit, the most frequently seen type of credit rating. When again, your routine payments will depend upon your account balance. The most typical example of revolving credit is a credit card.

Besides your score, you’ll also be given a number that corresponds to how you’ve been handling the account. * Note: we’ve utilized “R” (revolving) as an example, but the numbers can coincide with any of the above letters.

  • R0: Account is unused or has an insufficient credit report.
  • R1: Account holder has paid one or several bills within thirty days of their due date, or is not more than one payment past due.
  • R2: Account holder has actually paid one or numerous bills more than thirty days past their due date. Payments are not more than 60 days or two payments overdue.
  • R3: Account holder has paid one or a number of bills more than 60 days past their due date. Payments are not more than 90 days or 3 payments past due.
  • R4: Account holder has actually paid one or several bills more than 90 days past their due date. Payments are not overdue by more than 120 days, or four payments.
  • R5: Account is 120 days or more overdue. Nevertheless, it has not yet been rated “9.”.
  • R6: This ranking is non-existent.
  • R7: Account holder is presently making regular payments via a unique program/agreement to settle their financial obligations.
  • R8: Account is presently in repossession.
  • R9: Account is presently in major debt, collections or personal bankruptcy, or the holder has altered houses without supplying their lender with a new address.

Credit History

In Canada, there are 2 main credit reporting agencies: TransUnion and Equifax. While these are both separate business with their own algorithms used to figure out the credit report of debtors, the variables utilized can broadly be distilled into the following classifications:

  1. Payment History: This is perhaps the single essential element affecting credit scores as lenders preferably wish to see a history of complete outstanding payments promptly. If the borrower has actually ever missed charge card payments or made late loan payments, the credit report gets adversely affected.
  2. Financial obligation Impressive: The majority of people bring some kinds of financial obligations, such as mortgages, student loans, credit cards, car loans, etc. While having outstanding debt is typical, it is the volume of financial obligation and length of time that it is held for that is evaluated by reporting firms i.e., debtors with a large amount of financial obligation month to month and/or use more than 30% to 40% of readily available credit limits will likely see lower scores.
  3. Time: Put simply, loan providers want to see a verifiable history of credit usage and prompt repayment. The longer the borrower has had an open financial obligation account and has been using it properly, the better the credit report.
  4. Types of Debt: Customers who have just a charge card or a particular kind of debt will likely have lower credit scores than debtors who have several types of financial obligations such as a charge card with an individual loan. This is attributable to lenders favouring customers who are accountable for numerous different kinds of credit.
  5. New Inquiries: When lending institutions or charge card companies complete a tough credit pull, credit rating is negatively impacted. Hard pulls are when a business brings in the borrower’s entire credit report to examine and verify their creditworthiness. For that reason, obtaining multiple various kinds of credit and/or loans within a short duration is not favourable as it indicates that the debtor is either being turned down or is utilizing excessive credit.

Once these variables are manufactured, a credit report is offered to the debtor. A credit rating between 300 and 550 is generally considered to be poor wherein it ends up being challenging to obtain certain types of debt, specifically the ones that are provided by banks.

Rebuild Your Credit

Showing that you have the capacity to pay back a loan is among the very best ways to get your credit back on the ideal track. Simply follow our simple payment calendar, and you’ll be on track.

Unexpected Expenses

You can’t always prepare for when disaster strikes, be it failing home appliances or a medical emergency situation. Rest easy understanding your loan implies you have cash in hand to handle it.

Installment Loans

If you have an immediate need for money but have a bad credit score, banks (and some lending institutions) will view you as a high-risk customer and will not approve your loan. Bad Credit Loans offer you the chance to obtain cash despite this stumbling block, so you can pay bills on time and avoid penalties such as service disruptions.

Offering Installment Loans in Canada, Even with Bad Credit

When Canadians find themselves in need of short-term loans, bad credit shouldn't stand in the way. And the repayment process for those loans should be as simple as paying rent or mortgage, phone plans, electricity and other monthly bills.

Installment loans offer the bridge you’re looking for when you’ve landed in a spot of financial trouble. The small and steady payments allow you to easily plan your budget accordingly. Most importantly you can usually obtain prompt approval for these loans without a credit check.

Here are some of the most frequent situations that may call for an installment loan:


It doesn’t matter who you are, you need a roof over your head. But an unexpected expense can cause anyone to be short on their rent, often a day or two before it is due.

Thankfully, an installment loan can help you in a few ways. First and foremost, you’ll have the cash to cover this month’s rent. And if you budget accordingly, the flexibility of an installment loan will also help you avoid falling behind financially in the future.

Car Payments

Falling behind on a car payment can be hazardous to your credit. An installment loan is a great solution that helps you make the necessary payments while allowing you to stay on course with your budget.

An installment loan can also help you phase out and replace a payday loan, which typically reduces additional financial concerns in the future.

Debt Consolidation

Are you caught in a payday loan cycle? Are you using a big part of your paycheck to cover your payday loans? Consolidating that debt with an installment loan allows you to have a single small payment, instead of seeing most of your paycheck disappear as soon as you receive it.

If you have Bad Credit

Even people with bad credit are usually able to take out our installment loans. The benefits of that can be huge; you get somewhere to turn to when you need money, and you don't have to do so at a further cost to your credit score.

According to, installment loans won’t negatively impact your credit. Individual installment loans don’t account for enough money to play a huge role in your credit score. In fact, the same blog explains that paying off an installment loan for a lengthier term has a positive influence over credit scoring models.

Avoid NSF Charges

Unpaid NSF fees are damaging to your credit. If they remain unpaid for 30 days, your account will be considered delinquent and reported to the credit bureau. Delinquent accounts do harm your credit score and can further complicate your situation. 514Loans can help you avoid unnecessary NSF charges.


When January 24th rolls around, most people are nervously anticipating their credit card bill from the holidays. Sometimes you have to financially overextend yourself during the holidays so you’re able to purchase gifts for your friends. Other times it’s a big family trip you couldn’t back out of, even though you were a little light on funds. 

Regardless, an installment loan can help you recover from the financial stress of the holidays.

Instant Same Day Approval Even With Bad Credit

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Easy Installment Loans

Installment Loans Across Canada

We know it's tough to find good loans in Canada when you're stuck with a bad credit score. A payday loan is often not the right choice. That's why 514Loans is committed to offering short-term loans in Canada to anyone who needs one. 

Our loans don't require a credit check, so even applicants with a bad credit score can be accepted. And same-day responses from our loan agents mean that you get your money when you need it.

Debt Consolidation

Are you caught in a Payday Loan cycle? Are you using a big part of your paycheck to cover your Payday Loans? Consolidating your Payday Loans with an installment loan allows you have 1 smaller payment instead of seeing most of your paycheck disappear as soon as you receive it.

Your Privacy is Important

Your loan is no one else's business but your own. That's why we take your privacy very seriously. Any and all personal documents that you provide to us are handled with the utmost care and with your safety in mind. We use SSL encryption for improved network security, and we ensure that our site is accessed over HTTPS, for all users, 100% of the time. 

We do this because when it comes to finding safe online loans, Canada deserves the best options in cybersecurity.

Convenient, Modern Alternative to Traditional Payday Loans

Applying has never been easier!

Your journey begins with our three-step online application:

  1. Select your loan amount and complete our online application
  2. Upload the two required documents
  3. Complete your IBV (Internet Banking Verification)

Our fully-automated loan management software allows us to process your request faster than most payday loan providers in Canada. Loans are then able to be granted faster, meaning you get your money when you need it.

Approval in Minutes

We are all about user experience, and that means not having to wait days to find out the results of your application.

Our state-of-the-art loan management software is equipped with an automated decision-making module, enabling us to approve your application in no time!

Your installment loan is automatically funded as soon as you sign our online paperless loan agreements.

Received Funds

Once you're approved, all you have to do is kick back and relax. We will automatically deposit the funds into your bank account. 

Please note that although most loans can be funded on the same day, it can take up to 24 hours in some cases.

How it works

Who we are

We are an online financial service provider. We work with licensed private lenders, to provide short term financial solutions, that are significantly less expensive and more flexible than a conventional payday loan. Good credit, bad credit, it doesn't matter. We will assist you in finding the financial product that suits your needs.

Fees and Interest

Depending on the risk associated with the application, Our lenders charge an APR ( Annual percentage rate) of 22% to 32%. Membership fees do apply. Please refer to our "Example Cost of Borrowing" section for more information.

Terms of Repayment

Our installment loans can be paid weekly, bi-weekly, bi-monthly, or monthly. The payment schedule depends on the customer's pay frequency. Unlike payday loan providers, our lenders offer loan terms of 90 and 120 days. Extended payment schedules are available for loans over $1000.

What Makes us better than Payday Lenders

Typically, Payday Loan providers require borrowers to finalize entirely on their next paycheck. The costs associated with payday loans vary from province to province.

The ABR (Annualized Borrowing Rate) for

  • payday loans ranges between 390% to as high as 560%.
  • installment loans range between 190% and 200%.

Our ABR includes all fees and interest associated with our installment loan product. Our cheaper ABR and more flexible terms make our product a better choice for Canadians in need of a short term financial solution.

Example Cost Borrowing

$300 borrowed over 3 months on a bi-weekly payment schedule, will cost the borrower 6 payments of approximately $75. The total amount reimbursed is roughly $450.00. This includes all membership fees as well as Interest and capital.

Missed Payments

Our lenders charge a $50 fee for any returned payment due to NSF (Non-Sufficient Funds). The missed payment, as well as the lenders' fee, are added to the end of your payment plan schedule. Two additional payments are extended to the payment plan.

Our Lenders charge a fee of $35.00 to reschedule a payment and extend the payment plan.
The rules for rescheduling payments are the following:

  1. A client can not reschedule the first payment.
  2. A client can not reschedule two payments in a row
  3. A client can not reschedule more than two payments per loan term.

Borrow Money Responsibly

This type of financing is meant to be used as a bridge to solve an immediate financial crisis. Interest rates are relative to risk and may be higher than conventional banking institutions.

Please note that having Multiple Installment Loans or Payday Loans can result in long term financial burdens. Please give us a call if you are caught in a loan cycle due to predatory loan practices. Our agents will assist you in finding a consolidation product that will prevent costly collections procedures as well as a negative impact on your credit file.


Please borrow responsibly.

Applying Online is Safe with us

Your important personal information is encrypted and protected using Bank Level Encryption Security. We are HTTPS secure, and our users can expect a safe and private online experience when using our website.

How to Qualify for a Personal Loan

Our application process is simple and easy on PC, tablet, or mobile phone. The following is criteria is necessary to qualify for a loan:

  1. You must be a Canadian citizen
  2. You must be over 18 years of age
  3. You must be employed full time.
  4. You must have an active bank account.
  5. Must not be engaged in a consumer proposal or a bankruptcy process.

Installment Loans versus Payday Loans

Payday Loans

Short-term personal loans in Canada often come in the form of a payday loan. A payday loan is a short-term financial solution that is usually reimbursed in one lump sum, on the borrower’s next paycheck. The ABR (Annualized Borrowing Rate) of a payday loan is 390% to 560% and can be higher depending on the province. This product is available in many brick and mortar locations across Canada, as well as being offered on several websites online.

Downside of Payday Loans

Though obtaining a payday loan can be a simple process, the expensive fees and short loan terms often complicate the situation. If, when payday comes, the borrower doesn't have the money to reimburse their debt in full, they are often forced to roll the principal over into an entirely new payday loan.

Unlike credit cards or installment loans, payday loans can't be paid off in installments; the whole sum has to be reimbursed in one payment. If the borrower is unable to make their payment, it will often create a loan cycle situation that can be catastrophic to one's budget, credit score, and economic well being.

Nowadays, more people looking for loans in Canada are turning away from payday loans and towards installment loans as a better short-term financial solution.

Installment Loans

  • Installment loans in Canada are 50% to 60% cheaper than payday loans and are available with longer repayment terms, making them significantly safer for your credit score.
  • As the borrower, you benefit from a straightforward reimbursement process and avoid the risks associated with costly and dangerous loan cycles.
  • When you take out installment loans in Canada, you also benefit from an automated stress-free payment plan that enables you to budget more efficiently for your future financial obligations.
  • Moreover, you can further benefit from reduced rates and increased credit limits with every loan you successfully reimburse.

Find out why Canadians are switching to this better alternative. Our agents are waiting to serve you.

What are you waiting for? Apply Now!

Happy Customers

I would like to say that I highly recommend this company. I am very impressed with the way they solved my problem and was very patient when I was a bit stressed. I want to thank John who personally took responsibility and was available every time I called. Kudos to John and his staff on a job well done. I am most grateful. Highly recommend.


Called for info the girl I spoke to was very friendly and answered all of my questions. I got a reply within an hour They asked for documents and bank statements and it was an easy approval got the money I needed right away.


Great customer service! Helped me a lot when I needed the cash advance! Kept their word and Costa great job for the fast communication and keeping your word !! Awesome !!

Shiann Maillet 
Shiann Maillet

Excellent, very happy doing business with you people.


Service has been excellent thus far

Jesse P 
Jesse P

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We all fall on hard times

Installment loans can see you through until skies look a little brighter

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Short-Term Loan Requirements

Offering users a great customer experience is our number one priority. In order to achieve this, we start by making the application process as simple as we can.

Once you've filled out the application, all we need from you are two documents in order to expedite the process. Make sure you can provide the following:

  1. Photo ID (ie. a driver’s license or a passport)
  2. Proof of Address (ie. a phone, electric, cable or gas bill, or any most-recent document from your financial institution where your name and address are displayed)

Your application can be submitted online in five short minutes by hitting the "Apply Now" button.

When it comes to installment loans, Canada has the best service available: 514Loans, offering great payment plans and reasonable interest rates. We look forward to assisting you in finding the best financial solution for your needs.

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Better than Payday Loans

514Loans, together with Greenriver Finance, has created the underlying technology and infrastructure for providing everyone in Canada fast access to better short-term financial solutions.

Installment loans in Canada are more flexible and cost substantially less than payday loans. The difference in cost and term length results in the elimination of predatory loan cycles which keep people trapped in debt. This helps the borrower to establish a budget that better suits their future financial obligations.

514Loans is proud to offer:

  • Faster processing due to our underlying platform
  • Less expensive ABR (Annualized Borrowing Rate)
  • Longer loan terms than payday loans
  • Preferred customer privileges with even cheaper rates and longer terms (for returning customers)
  • A better overall user experience

Frequently Asked Questions

What is a cash advance?

A cash advance is a short term financial solution, often used to cover car repairs, collection notices or any other type of unexpected expenses. Short-term cash advance services fulfill a need not met by traditional financial institutions, offering a less costly and often more desirable option for short-term loans.

A non-traditional cash advance is often the best way to receive a quick loan. Industry group CFSA reports that non-sufficient funds (NSF) cost consumers tens of billions of dollars each year from banks and credit unions. CFSA notes that millions of people each year “choose payday advance as a dignified, discreet, and often less costly solution for cash flow problems, without asking family for money or risking personal items as collateral.”

Many applicants also struggle to attain traditional financing despite having excellent credit. Many of them need quick access to working capital. Online lenders have emerged as a welcome alternative for borrowers everywhere. Online lenders are increasingly being used by consumers and businesses to get fast access to capital outside of banks. Also known as marketplace lenders, they “have leveraged low operating costs, minimal regulations, Big Data, and technology streamlined for a mobile generation to mediate terms between everyday borrowers who want quick access to cash.

What are the requirements to get a cash advance?

We like to keep things simple.

  1. You must be over 18 years of age
  2. You must be a Canadian citizen
  3. You must be employed full-time
  4. You must have an active bank account
  5. You must not be engaged in a consumer proposal
  6. You must complete an IBV (Instant Bank Verification)

    I am Self Employed. Can I apply for a cash advance?

    Absolutely! Just as long as our agents can verify a frequent source of income through your IBV (Internet Banking Verification).

    How much money am I allowed to borrow?

    Our loans range from $300 to $3000.

    However, ou lender's credit risk may assign a different amount than originally requested. This assures that the borrower will be able to reimburse the loan without any negative impact on their budget and/or financial situation.

    When can I expect the funds to arrive?

    Your funds are deposited automatically as soon as we receive your signed electronic contract. Deposits typically happen on the same day; however, some deposits can take up to 24 hours to appear in your bank account.

    What do I need to email or fax in?

    You may fax or upload your documents during your application process.

    The required documents are:

    1. A copy of your driver's license
    2. A proof of residence (any most recent utility bill with your name and address indicated on it)

    Consolidate Your Debts and Get out of Dangerous Loan Cycles

    Debt Consolidation

    Are you caught in a loan cycle?

    514Loans is here to help! We work with a non-profit corporation to help Canadians get out of loan cycles. We can help you get your paycheck back!

    If you are struggling with multiple loans, unable to keep up with high interest rates, or are facing a potential bankruptcy, give us a call now and let us help you consolidate your debts into one small monthly payment.

    Debt Counselling

    If you are unfamiliar with how the credit reporting system works or if you would like guidance in understanding and improving your credit standing, please contact a non-profit credit counsellor at Consolidated Credit by calling 1 (844)-871-1426.

    Call today for a free, no-obligation consultation or complete a form: click here for a free consultation.

    Credit counsellors can help to assess your situation, clarify errors on your report and outline the best options to rehabilitate your credit through repayment of debts at lowered interest rates. Doing this will enable you to qualify for new credit in the near future.

    Debt Consolidation Programs

    We work with a non-profit credit counseling company.

    We frequently recommend to our clients to explore all of their financial options through a professional counselor at Consolidated Credit Counseling Services of Canada. This approach allows our clients to decide for themselves which option is best for them and their financial well being.

    If you are struggling with too many loans, please click on the free consultation button on this page, and see if you qualify for the debt relief you deserve.

    Benefits of a Debt Management Program (DMP) w/ Consolidated Credit

    • Lowered monthly payments to creditors
    • Lower interest rates than credit cards, Payday Loans or Installment loans
    • Get a clear understanding of how to budget to avoid loan cycles in the future
    • Have more money left on your paycheck to begin saving again.

    Disadvantages of a Debt Management Program w/ Consolidated Credit

    • Any unsecured account(s) consolidated in a DMP will be permanently closed in order to achieve the reduced interest rate(s).
    • RBC and Canadian Tire Mastercard are “full-budget creditors” meaning they will review the prepared budget and credit file to ensure all unsecured creditors have been included on the DMP before they agree to be included and that no budgeted expenses are unrealistic for a hardship circumstance.
    • Scotiabank will review the same to ensure that all of their unsecured products have been included prior to agreeing to our proposal.

    Unsecured Loans

    Even With Bad Credit



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    No Credit Check Loans

    Benefit From Our Policy


    Our applicants are not subject to credit checks. We use your banking transactions as well as other criteria to assess your request. We give you a clean slate. We believe in second chances, and we will take a chance with you when nobody else will.

    When you apply for a loan
    Our applicants are not subject to credit checks. We use your banking transactions as well as other criteria to assess your request. We give you a clean slate. We believe in second chances, and we will take a chance with you when nobody else will.

    Please borrow responsibly.

    What is a short term loan good for?

    It should be considered as a bridge money to pay for urgent bills and not a method to increase your credit. Our rate are higher because we take a lot of risk with lending to someone with having done a credit check when issuing a customer a loan.


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    Short Term Loans

    We understand that there are limits to how much you can stretch your paycheck in order to accommodate unforeseen expenses. Don't worry, we've got your back when it comes to installment loans in Canada.

    Our Loan Rates

    Our lenders charge an APR (annual percentage rate) of 22% to 32% depending on the risk score of the application.

    Repayment Example

    A 300$ loan with an APR of 32% is refundable in 6 bi-weekly payments of approximately $75. This example includes all the fees associated with the borrowed capital over the three months.

    Terms of Repayment

    Our installment loans are repayable within a period of 90 to 120 days. Longer loan terms are available for loans over $1000.

    Borrow Responsibly

    Abusing microloans can cause negative impacts to your financial well-being due to their higher interest rates. The interest rate on an installment loan is higher than conventional financial institutions and should be used only for emergencies.

    Types of Loans

    Go ahead
    Call them whatever you want

    We specialize in

    Installment Loans

    Installment loans are Canadians' trendiest loan choice since 2017.

    Payday Loans

    Payday Loans are:

    • Old news
    • Extremely expensive
    • Have a short payback of 14 days
    • Being replaced by installment loans 

    Cash Advance Loans

    Cash? Who does that anymore?

    Our Installment loans are delivered instantly by Interac e-Transfer.

    Instant Loans

    Get your instant loan application started today. Our installment loan processing is optimized to provide you with your money when need it most.

    Mobile Loans

    Our installment loan application process is optimized for iPhone and Android mobile devices (smartphones).

    Unsecured Loans

    Our installment loans do not require any guarantees nor liens. We do not offer title loans.

    Short Term Loans

    Our short term loans are offered as follows:

    • 300$ to 3000$
    • 90- to 120-days payback period

    Online Loans

    Our process is entirely done online.

    1. Apply today
    2. Get approved within an hour
    3. Receive your money in your bank account.

    Private Loans

    Any installment loan agreements are treated with the utmost discretion.

    Easy Loans

    Our installment loans are quick and easy. Get yours today.

    Small Loans

    Our installment loans range between 300$ and 3000$.

    Personal Loans

    We offer personal loans to Canadians electronically. Apply today for your personal installment loan.

    Fast Loans

    Our one-hour approval process is pretty fast. Apply today and witness it for yourself.

    Direct Loans

    Our installment loans are actually direct loans between the lender, and you, the applicant.

    Our Blog

    Areas Served

    Proudly serving Canadians with no credit check installment loans, the best alternative to payday loans and the go-to alternative financial services. Thanks to you, we are the fastest growing installment loans provider across the country.

    Where are you from?


    Winnipeg, Dauphin, Morden, Portage La Prairie, Selkirk, The Pas, Winkler, Steinbach, Thomspon


    Montreal, Laval, Quebec, Gatineau, Lasalle, Terrebonne, Longueuil, Levis, Brossard, Sherbrooke, Repentigny, Saint-Hubert, Verdun


    Calgary, Edmonton, Lethbridge. Red Deer. St. Albert, Grande Prairie, Airdrie


    Toronto, Brampton, Mississauga, North York, Ottawa, Scarborough, Hamilton, Kitchener, London, Etobicoke, Windsor, Oshawa, Barrie, Richmond Hill, Brantford, Markham, Niagara Falls

    Nova Scotia

    Halifax, Cape Breton, Dartmouth, Truro, Sydney

    New Brunswick

    Moncton, Saint John, Fredericton

    Prince Edward Island

    Charlottetown, Summerside

    514loans - Payday Loan Alternative

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