Client Access
No matter your situation, Alterfina can help you
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
+Get small personal credit quickly and easily today.
Regardless of your credit score, we’re here to help you with personal credit starting from $500 up to $2,500. At Alterfina, we understand that your time is valuable. That’s why we use the fastest technology to process your financing application.
With Instant Bank Verification (IBV), the most widely used technology by banks and private lenders, your application will be quickly approved, and funds will be automatically deposited into your bank account. IBV works by providing a “snapshot” of your bank transactions over the last 90 days, enabling us to evaluate your application—always with no credit check.
There’s no need to send paper documents, no personal information will be shared, and we will never access your bank account. IBV ensures quick approval to address your short-term financial needs. It’s simple, fast, 100% secure, and confidential.
Click here to apply for a credit.
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*
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.
Thousands of Canadians
trust us.
We’re proud to have earned a Google rating of over 4.5/5 from nearly 2,000 Canadians who value our fast, secure, no credit check financing services and streamlined process for quick access to funds (as of Summer 2024).
"Great when you need help and great customer service thank you"
"Thank you for your trust! I appreciate the team who offered great service, thanks!"
"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."
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.
1 If your file is completed and approved before 2:30 p.m. Click here for more details.