Need money quickly? No credit check financing online

Alterfina allows you to borrow
without a credit check.
$500$2500

Need advice on managing your credit?

How to get your credit facility?

Step 1 Fill up the online application

Fill up the online application

Takes only a few minutes to complete

Step 2 Instant Bank Verification

Instant Bank Verification

No need to send any document

Step 3 Direct funds deposit

Direct funds deposit

Same day deposit*

What’s a credit check?

When an organisation or a financial institution proceeds to a credit check, that means that they are asking for access to information found in your credit file. They verify your past credit history, your credit rating, your reimbursement capacity based on your current income level and do other credit verifications. When the credit investigation is done, banks or other financial institutions will make a decision regarding your solvency report. A bad credit score can lead to a loan rejection.

At Alterfina, no need to worry about your past credit history. We are a no credit check lender who offer short term cash financing solutions, in a 100% secure and confidential way and no matter your financial situation. Whether it be for a weekend getaway, and unexpected expense or a bill payment, borrow money online for your financial emergencies!

Calculate your payments

CA$500CA$2,500

CA$165 by pay for approximately 182 days

*Indicative amount. Refer to the legal notices page

First time applying?

Obtain my credit

Already an Alterfina member?

Cash advance

Why choose us?

Credit up to $2,500

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Quick response and deposit

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Paperless financing

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No credit checks

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You have questions about
our paperless credit facilities?

How it works

Conditions

Annual interest rate (APR) of 18.99%.

Amortisation calendarFinancial accompaniment and credit scoreRepayment Period

Amortisation calendar

We determine your minimum payments together, according to your reimbursement capacity and the period during which you want to payback your facility’s balance.

* Membership fees are payable as long as there is a balance owing on your credit facility.

Financial accompaniment and credit score

Our company complies to canadian legal norms. If a special situation arises during your use of a credit facility, our service team is available to assist you in making the changes you need. The transactions taking place on your credit facility do not affect your credit rating in either a positive or negative way because we do not report to credit bureaus.

*The Annual Percentage Rate (APR) varies between 130% and 250%, according to the credit facility limit and the repayment term.
** The repayment amount cannot be lower than 5% of the credit facility’s initial balance.
***Our product is geared towards ponctual use and reimbursement over a period of a few weeks.

Repayment Period

Our variable credit facilities are usually repaid in 3 to 6 months. We strongly suggest that you think of your needs and not apply for a higher sum than necessary. For example, if you wan to use our credit facilities, you can use this model : a withdrawal of $750 with bi-weekly repayments of $121.01 will take 10 installments.
This information is an example and considers that the money used at the time of the first withdrawal has been paid back in full before making another cash advance. In the example above, the $22.75 membership fees are included in the repayment amount.

Our credit facilities have flexible repayments, according to the terms of our client convention and can be repaid before the average 3 to 6 months in which they are usually repaid. You can choose to pay a partial amount or the whole balance at any time.

*If your file is completed and approved before 2:30 p.m. Click here for more details.