Client Access
By your side at every step of your financial journey
Bad credit financingMicrocreditFast credit onlinePaperless credit
Facing financial issues can be stressful, especially when you urgently need money. To get a loan from a traditional financial institution in Canada, a credit check is required to assess your creditworthiness. A low credit score often results in loan rejection. We understand that these situations can cause frustration and confusion.
At Alterfina, we’re here to provide short-term financial solutions. You can borrow money regardless of your credit history. You can apply for personal credit and submit your application in just a few minutes, so we can assist you as quickly as possible. Learn more!
At Alterfina, we’re here to provide short-term financial solutions. You can borrow money regardless of your credit history. You can apply for personal credit and submit your application in just a few minutes, so we can assist you as quickly as possible. Learn more!
Whether it's for a bill payment or an unexpected need for money, Alterfina offers microcredit financing solutions, providing quick access to funds starting at $500 and going up to $2,500. We understand that when financial challenges arise, you need a simple, hassle-free solution that won’t affect your long-term financial well-being. That’s why we provide personal financing solutions with no credit check, ensuring a smooth process without dealing with traditional financial institutions. We’re here to serve and support you! Learn more!
At Alterfina, it's fast and it's simple. We understand that you don’t have time to lose and that you have urgent needs. This is why we offer you a 100% secure, confidential solution to access funds that are deposited directly into your account, with no credit check. You can access cash instantly online or you can call our agents who are here to answer all your questions by email or telephone to and help you in your application process. Learn more!
Alterfina’s credit solutions are simple! There’s no need to go through complex application processes, submit documents, or make fund deposits. At Alterfina, we understand that your time is precious, and there are easier, faster ways to access personal financing. That’s why we offer 100% secure and confidential online credit solutions, guaranteeing you cash quickly with same-day direct deposits. Simply fill out the online application form to apply for credit.
Bad credit financing
+Microcredit
+Fast credit online
+Paperless credit
+When to choose a quick credit solution?
When you have an urgent need for $500 to $2,500 and are seeking a quick solution, even with bad credit, a quick credit solution is ideal. At Alterfina, enjoy a 100% online, secure process with no document exchange required. No credit check, and your credit score is not a factor in eligibility. Apply in under 2 minutes, receive approval within an hour, and get your deposit the same day.
A quick credit solution is a simple option for Canadians with a low credit score and urgent financial needs. Apply for credit
Quick Funds with Flexible Repayment Options
No Credit Check Required
Alterfina specializes in alternative credit solutions accessible to everyone, even Canadians with a low credit score at the time of their application. Unlike traditional financial institutions, credit score is not one of our eligibility criteria for quick funds, and our application process is conducted without a credit check.
You can use our calculator to give you an idea of what your payment terms would be. Our credit solutions offer flexible repayments, based on the terms of your agreement, and can be settled before the usual 3 to 6-month term. This allows you to repay the amount owed in full or in part at any time.
Here’s a practical example to help you understand our financial solution: A $750 withdrawal with bi-weekly payments of $121.01 to $127 will take 10 payments. This example assumes that the money used in the first withdrawal is fully repaid before making another withdrawal.
Annual Interest Rate (APR) of 18.99%. We have a weekly membership fee of $24.20 as long as there is an active balance. No fees for subsequent withdrawals. In the example above, the weekly membership fee of $24.20 is included in the repayment amounts.
Our applications are 100% online and take only 2 minutes! Get approval within one hour and same-day deposit*.
*If you meet all our eligibility criteria.
Comment ça marche ?
Alterfina specializes in alternative credit solutions accessible to everyone, even Canadians with a low credit score at the time of their application. Unlike traditional financial institutions, credit score is not one of our eligibility criteria for quick funds, and our application process is conducted without a credit check.
You can use our calculator to give you an idea of what your payment terms would be. Our credit solutions offer flexible repayments, based on the terms of your agreement, and can be settled before the usual 3 to 6-month term. This allows you to repay the amount owed in full or in part at any time.
Here’s a practical example to help you understand our financial solution: A $750 withdrawal with bi-weekly payments of $121.01 to $127 will take 10 payments. This example assumes that the money used in the first withdrawal is fully repaid before making another withdrawal.
Annual Interest Rate (APR) of 18.99%. We have a weekly membership fee of $24.20 as long as there is an active balance. No fees for subsequent withdrawals. In the example above, the weekly membership fee of $24.20 is included in the repayment amounts.
Our applications are 100% online and take only 2 minutes! Get approval within one hour and same-day deposit*.
*If you meet all our eligibility criteria.
It's fast and easy: 3 steps to get your credit facility without credit check
1- Fill out
the online application.
Takes only a few minutes to complete
2 - Instant Bank
Verification.
No need to send any document with IBV
3 - Direct deposit
of funds.
Same day deposit*
Why Choose Alterfina?
At Alterfina, we understand the importance of supporting you throughout your financial journey. That's why we offer fast, hassle-free solutions with a 100% online, secure process, and no credit check required. We are not just a lender; we are your trusted partner.
With years of experience in the financial sector and as a member of the Canadian Lenders Association, Alterfina is committed to providing accessible and human-centered service. We are proud of our 4.5/5 rating on Google, and 85% of our clients recommend us to their loved ones, a true testament to their satisfaction and the trust they place in us.
FAQ
What are the eligibility criteria for obtaining financing without a credit check?Can I apply with bad credit?When will I receive the money?Are you a member of the Canadian Lenders Association (CLA)?What happens if I am unable to make my payment?
What are the eligibility criteria for obtaining financing without a credit check?
Here are our eligibility requirements:
– Must be 18 years or older.
– Must be a resident of Quebec or Ontario.
– Must have been employed for at least three months and/or receive an eligible source of income*.
– Income must be deposited through direct deposit into a Canadian bank account.
– Must not be involved in bankruptcy proceedings.
– Must have a minimum gross monthly income of $1,500 (Quebec) or $2,500 (Ontario)
Eligible Income Types:
– Salaried income
– Quebec Parental Insurance Plan (QPIP)
– Commission des normes, de l'équité, de la santé et de la sécurité au travail (CNESST) benefits
– Société de l'assurance automobile du Québec (SAAQ) benefits
– Allocation de Solidarité Spécifique (ASS) - disability
– Allocation de Solidarité Spécifique (ASS) - salaried income
– Various pensions
– Self-employed income
- ODSP – Ontario Disability Support Program
- OAS – Old Age Security
- GIS – Guaranteed Income Supplement
- CPP – Canada Pension Plan
- EI – Employment Insurance
- WSIB – Workplace Safety and Insurance Board
Can I apply with bad credit?
Of course! At Alterfina, you can apply for quick funds without a credit check, even with bad credit. Unlike traditional banks, we don’t perform credit checks and never decline applications due to a low credit score. Bad credit is typically defined as a score below 600, but we use other eligibility criteria.
With our 100% online process, no documents are required, and your application will be processed within 24 hours. Trust Alterfina for a fast and simple solution!
When will I receive the money?
Funds are usually deposited on the same day. However, in some cases, it may take 24 to 48 business hours to receive them in your bank account due your bank's processing time.
Are you a member of the Canadian Lenders Association (CLA)?
Yes, we are! This means we are a verified lender, committed to the high standards of transparency, ethics, and responsible practices set by the Association. You can trust us to provide reliable and secure service.
What happens if I am unable to make my payment?
You can request a payment deferral up to a minimum of 72 hours (business days) before your scheduled payment date. In case of insufficient funds (NSF), a $35 fee applies.
What are the eligibility criteria for obtaining financing without a credit check?
Here are our eligibility requirements:
– Must be 18 years or older.
– Must be a resident of Quebec or Ontario.
– Must have been employed for at least three months and/or receive an eligible source of income*.
– Income must be deposited through direct deposit into a Canadian bank account.
– Must not be involved in bankruptcy proceedings.
– Must have a minimum gross monthly income of $1,500 (Quebec) or $2,500 (Ontario)
Eligible Income Types:
– Salaried income
– Quebec Parental Insurance Plan (QPIP)
– Commission des normes, de l'équité, de la santé et de la sécurité au travail (CNESST) benefits
– Société de l'assurance automobile du Québec (SAAQ) benefits
– Allocation de Solidarité Spécifique (ASS) - disability
– Allocation de Solidarité Spécifique (ASS) - salaried income
– Various pensions
– Self-employed income
- ODSP – Ontario Disability Support Program
- OAS – Old Age Security
- GIS – Guaranteed Income Supplement
- CPP – Canada Pension Plan
- EI – Employment Insurance
- WSIB – Workplace Safety and Insurance Board
Can I apply with bad credit?
Of course! At Alterfina, you can apply for quick funds without a credit check, even with bad credit. Unlike traditional banks, we don’t perform credit checks and never decline applications due to a low credit score. Bad credit is typically defined as a score below 600, but we use other eligibility criteria.
With our 100% online process, no documents are required, and your application will be processed within 24 hours. Trust Alterfina for a fast and simple solution!
When will I receive the money?
Funds are usually deposited on the same day. However, in some cases, it may take 24 to 48 business hours to receive them in your bank account due your bank's processing time.
Are you a member of the Canadian Lenders Association (CLA)?
Yes, we are! This means we are a verified lender, committed to the high standards of transparency, ethics, and responsible practices set by the Association. You can trust us to provide reliable and secure service.
What happens if I am unable to make my payment?
You can request a payment deferral up to a minimum of 72 hours (business days) before your scheduled payment date. In case of insufficient funds (NSF), a $35 fee applies.
Quick and paperles financing from $500$ to $2,500 anytime
Conditions
Annual interest rate (APR) of 18.99%.
Be 18 years old or older, reside in Quebec or Ontario and have a stable income.
Repayment planFinancial support and credit scoreRefund Policy
Repayment plan
We determine your minimum payments together, according to your repayment capacity and the period during which you want to payback your facility’s balance.
Note:
-Membership fees are payable as long as there is a balance owing on your credit facility.
Financial support and credit score
Our company complies with Canadian legal norms. Should a special situation arises during your use of a credit facility, our service team is available to assist you in making the necessary adjustments. The transactions on your credit facility do not affect your credit rating whether positively or negatively, as we do not report to credit bureaus.
Notes:
-The repayment amount cannot be lower than 5% of the credit facility’s initial balance.
-Our product is geared towards punctual use and reimbursement over a period of a few weeks.
Refund Policy
Our company complies with Canadian legal standards. If a particular situation arises during your use of the credit facility, our customer service department is available to assist you with payment deferrals or any other requests.
Transactions made on your credit facility do not affect your credit score, either positively or negatively, as we do not report to credit bureaus.
Our variable credit facilities are usually repaid in 3 to 6 months. Be responsible and borrow with moderation. We strongly suggest that you think of your needs and not apply for a higher sum than necessary. For example, if you want to use our credit facilities, you can follow this model : a withdrawal of $750 with bi-weekly repayments of 127$ 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 $24.20 membership fees are included in the repayment amount.
Our credit solutions have flexible repayments options, as outlined in our client agreement. They can typically be repaid within 3 to 6 months but may also be settled early, either partially or in full, at any time.
Repayment plan
We determine your minimum payments together, according to your repayment capacity and the period during which you want to payback your facility’s balance.
Note:
-Membership fees are payable as long as there is a balance owing on your credit facility.
Financial support and credit score
Our company complies with Canadian legal norms. Should a special situation arises during your use of a credit facility, our service team is available to assist you in making the necessary adjustments. The transactions on your credit facility do not affect your credit rating whether positively or negatively, as we do not report to credit bureaus.
Notes:
-The repayment amount cannot be lower than 5% of the credit facility’s initial balance.
-Our product is geared towards punctual use and reimbursement over a period of a few weeks.
Refund Policy
Our company complies with Canadian legal standards. If a particular situation arises during your use of the credit facility, our customer service department is available to assist you with payment deferrals or any other requests.
Transactions made on your credit facility do not affect your credit score, either positively or negatively, as we do not report to credit bureaus.
Our variable credit facilities are usually repaid in 3 to 6 months. Be responsible and borrow with moderation. We strongly suggest that you think of your needs and not apply for a higher sum than necessary. For example, if you want to use our credit facilities, you can follow this model : a withdrawal of $750 with bi-weekly repayments of 127$ 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 $24.20 membership fees are included in the repayment amount.
Our credit solutions have flexible repayments options, as outlined in our client agreement. They can typically be repaid within 3 to 6 months but may also be settled early, either partially or in full, at any time.
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