Frequently Asked Questions

Do you need a little financial boost? Unexpected expenses bother you? Allow yourself to breathe and trust

You will not be judged on your bad credit or the reason for your borrowing. We are here to help you overcome your financial problems.

Do not hesitate to contact a customer service agent if you have any questions : 1-844-553-0609 or by email at .


What is a surety bond?

A surety contract is an endorsement that allows you to access your loan despite an unfavorable debt ratio or a lack of credit history. The surety reduces the risk to the lender on your behalf.

What are the admission criteria?

  • Be 18 years of age or older
  • Be a canadian citizen
  • Occuper un travail stable depuis au moins 1 mois
  • Earn a constant net salary of a minimum of 1,200 $ per month
  • Don’t be about to go bankrupt

How to apply?

Electronic application

Our online loan application does not require any paper documents. You can also electronically sign your contract. A simple, fast and secure way to apply for a loan.

Can you see my access code and password?

No. We will never see your access code and password. They are transferred securely and automatically to your financial institution. Once it has verified your credentials, we will receive a copy of your bank statement which will allow us to assess your loan application.

How can I be sure that this is not a way to get my personal information?

We understand your hesitation. Our system has been specially created to simplify the loan application process. It works according to highest safety standards, the same as those used by banking institutions.

What will you do with my information?

Your information will be securely transferred directly to your financial institution in order to identify you. We will receive a copy of your bank statement for the past 90 days. Your credentials will not be displayed or stored.

Apply electronically

Standard application

You can also make a request online or by phone in complete confidentiality.

Have the 4 required documents on hand:

  • Proof of identity (photocopy of your driver’s license, health insurance card or passport)
  • A specimen check (or a direct debit authorization form from your financial institution)
  • Your last pay stub
  • A bank statement from the last 30 days

Then, complete your online form and submit it or contact a toll-free customer service agent at 1-844-553-0609.

Make a standard request

When can I renew?

You are eligible for a secured loan renewal when your balance is less than 180 $. This balance is proportional to the amount borrowed and may vary.

What factors could make my application invalid?

  • Unstable employment
  • Several bounced payments in your bank account
  • Unsatisfied consumer proposal
  • Incomplete form or incorrect information
  • Too high a level of short-term debt

How soon can I expect to have my deposit?

If your request has been approved and the contract is signed and returned by 1:20 p.m., you will get your funds by the end of the day. Otherwise, allow 24 business hours for the amount to be deposited into your account.

How much are your bond rates and fees?

Our bond fees vary depending on the risk and the amount requested. Interest rates vary between 6.95 % and 22 %.

What happens when there is a default or non-cooperation?

The debt will be sent to collection. The applicable interest is 1.84% per month, so 22 % annually.

In addition, you will be charged a fee of 40 $ at the end of your contract if a payment is refused for insufficient funds or otherwise. However, please note that you can delay a payment for an administrative fee of 25 $.

Is a self-employed person eligible for a loan?

No, self-employed workers are not eligible. To be eligible, you must have your salary deposited into your account by direct deposit. We accept people using CSST, employment insurance, disability insurance and annuity plans.

Where can I find a fax machine?

In some companies, the fax machine is available to employees. Ask your employer if necessary. In addition, various public places give access to this device. Here are a few examples:

  • Library
  • Pharmacy
  • Post Office
  • Staples
  • Copy center