Client Access
About the financing
What are the steps to get an open credit?What are the eligibility criteria for obtaining financing without a credit check?How to ask for an open credit?What happens once I’ve submitted my request?How long will it take to get the money in my account?Do you need to confirm my employment?What is a variable credit contract?What is the interest rate?What happens if I can’t make my payment?What are your opening hours?Are there any extra fees?Where can I find my balance and my payments calendar?
What are the steps to get an open credit?
Here are the steps to get a personal credit:
1. Fill out and send submit the online form
2. Complete an Instant Bank Verification (IBV) Online
3. If your request is approved, sign your contract complete your application
4. Get your deposit
What are the eligibility criteria for obtaining financing without a credit check?
- 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
How to ask for an open credit?
Very easy! Simply fill out the online form and submit it.
What happens once I’ve submitted my request?
When you send in a request (fill the form and do the bank verification), you will get a confirmation. One of our agents will then validate the information you provided to determine the credit amount we can offer you. You will receive an answer from us to confirm your status. If your situation meets the requirements, your funds will be deposited in your account.
Are you ready to apply for an open credit? Click HERE
How long will it take to get the money in my account?
Usually, the funds will be deposited before midnight.
However, in some cases, it may take between 24 and 48 working hours to receive the deposit in your bank account, due to your bank's processing times.
Do you need to confirm my employment?
Only in certain cases, a confirmation of employment could be requested. This is done on a confidential basis and your employer will not be aware that this is a request for credit.
What is a variable credit contract?
The variable credit contract is the document we send you to confirm the agreement we make with our customers. The expression “variable credit” is different from “term loan”. A credit facility means that our customers have access to funds they can use at their discretion and the payment of the used amount can be done in an anticipated manner with no extra fees or penalties
Apply for a financing solution HERE
What is the interest rate?
We have an annual interest rate of 18,99%.
What happens if I can’t make my payment?
You can request a deferral up to 72 hours before your scheduled payment date.
What are your opening hours?
Customer Service
Monday to Thursday: 8am to 5pm
Friday: 9am to 4pm
Saturday: 9am to 5pm
Sunday: Closed
Collection Services
Monday: 8am to 6pm
Tuesday : 8am to 6pm
Wednesday : 8am to 8pm
Thursday : 8am to 6pm
Friday : 9am to 4pm
Saturday : Closed
Sunday : Closed
Are there any extra fees?
Weekly membership fee: $24.20 applies if there is an active balance.
Where can I find my balance and my payments calendar?
In your client portal. Get access by going to our website and click on Client Access
About the IBV
Is the IBV secure?What will you do with the collected information?Do you have access to my username and password on my bank account?Am I obligated to go through these steps?
Is the IBV secure?
The IBV (Instant Bank Verification) is the most secure technology on the market. It is considered as the industry standard and used by the largest financial institutions in Canada. We will never have any access to your personal information, such as user identification and your password.
We partner with Flinks
What will you do with the collected information?
We simply access a read only copy of your bank statement. As mentioned in our privacy policy, all information in your bank statement stays confidential and will never be shared.
Do you have access to my username and password on my bank account?
At no time. It is impossible for us to even connect to your account. We only receive a secure version of your bank statement in a read only format.
Am I obligated to go through these steps?
This system speeds up and simplifies your application. You don’t have to worry about finding a fax, a scanner or sending any documents.
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.
1 If your file is completed and approved before 2:30 p.m. Click here for more details.