Fast credit online. Quick & Easy.

Borrow and receive your money today!Obtain my credit

No matter your situation, Alterfina can help you

Fast credit onlineMicrocreditPaperless creditBad credit financing

At Alterfina, we understand you don’t have time to lose and that you have urgent needs. That is why we developed an online financing solution to serve you as fast as possible and fix your short-term money problems with flexible borrowing options. Amounts from $500 to $2,500 are here to help you quickly, with no credit check, in a 100% confidential and secure way. You can now borrow cash instantly online or you can call our agents who are here to answer all your questions by email or telephone to help you in your application process.

Whether it be for a bill payment or for an urgent need of money, Alterfina is here for your small amounts of cash financing, starting from $500 up to $2,500. When financial issues come, we understand you need a simple solution that will not affect your long-term financial health. That is why we propose personal financing solutions with no credit check. No need to deal with financial institutions, we’re here to serve and help you with your needs! Learn more!

If you are experiencing financial difficulties, Alterfina’s credit solutions are not complicated! No need to go through complex application processes, send documents and fund deposits. At Alterfina, we know your time is precious and that there are easier and faster methods to get access to personal financing. That is why we offer 100% secure and confidential online credit facilities, which guarantee you cash in a timely manner thanks to same-day direct deposits. You only have to fill out the online application form to apply for credit. Learn more!

When we find ourselves confronting a financial issue, we know that this situation can be stressful, even more when we have an urgent need for money. To obtain a loan with a traditional financial institution in Canada, a credit check must be made to verify your solvability. A low credit score leads to a loan refusal. We know that those situations lead to frustration and incomprehension. At Alterfina, we are here to help you with a short-term financial solution. At Alterfina, you can borrow money despite your credit history. An application for a personal credit can be done and send under few minutes so that we can help you as fast as possible. Learn more!

Calculate your payments


CA$167 by pay for approximately 182 days

*Indicative amount. Refer to the legal notices page

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!

How to get your credit facility?

Step 1 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 1

Alterfina client

No one is safe from a financial emergency

Whether it be to cover an immediate payment, a bill payment, or a shaky financial situation, no one is safe from a cash emergency. In this situation, it can sometimes be difficult to get a fast loan coming from financial institutions and to have instant approval. That is why we’re here to help you with a same-day approval and deposit solution.

At Alterfina, you can benefit from our credit facilities, with amounts of cash financing from $500 up to $2,500, no matter your credit score. No need to stress about going to banks to apply for a loan. Your application will be sent and analyzed by our agents without even having to leave your house. Your application will be analyzed with realistic and reachable standards, with no credit check, that will allow you to put your finances quickly back on track. Click here to apply for an online personal financing.

Need money fast? Our online credits are there for you.

At Alterfina, we want to make your life easier. That is why we developed a quick and easy application process so that you get the funds you need as fast as possible for your urgent needs. With our instant bank verification technology (IBV), a technology trusted by banks and private lenders in Canada, applying for personal financing has never been easier!

You’ll immediately get your money once your application has been approved and your funds will be directly deposed in your bank account. This technology is easy to use, secure and 100% confidential. We will never have any access to your bank information and the IBV will never be shared. Your money will be instantly available to use, and you will be able to choose a reimbursement plan adapted to your situation with payments that fit your financial situation. Click here to ask for financing.

Alterfina client

They trusted us

"Great when you need help and great customer service thank you"

  • Caroline

"Thank you for your trust! I appreciate the team who offered great service, thanks!"

  • Guy

"I thank you for your agents who called me at home to confirm. The staff is kind and polite. Thanks for your quick answer! The delay for my deposit was quick."

  • Sandie

Quick and paperless financing from $500 to $2,500 at all time

Apply now


Annual interest rate (APR) of 18.99%.

Be over 18, reside in Quebec and have a stable income.

Amortisation calendarFinancial support 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 support 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 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. 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 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 $24.20 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.

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