Microcredit from 500$ to 2500$

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No matter your situation, Alterfina can help you

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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!

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!

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. Learn more!

Calculate your payments

CA$500CA$2,500

CA$106 by pay for approximately 112 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*

Alterfina client

$500, $1000, $1500, $2000, $2500 cash amounts available

Whatever your credit score, we are here to help you with personal credit starting at $500 up to $2,500. At Alterfina, we are aware that time is important. That is why we operate with the quickest technology to analyze your financing application.

With the instant bank verification (IBV), the most used technology in banks and at private lenders,your application will quickly be approved, and you’ll receive your funds automatically in your bank account. The instant bank verification is used to “take a picture” of your bank statement over the last 90 days so that we can evaluate your application, always with no credit check. No paper document needs to be sent, no personal information will be shared, and we will never have any access to your bank information. The instant bank verification assures quick approval to solve your short-term money problems. It’s simple, quick,100% secure and confidential. Click here to ask for your personal financing.

Get small personal credit quickly and easily today.

Be it for an advance on a payment, an unplanned expense, a pay advance or a getaway need, our urgent credit is a short-term solution to serve you with no stress in a secure and confidential way. With one of the best interest rates on the market and flexible borrowing options, we always make sure to establish a reimbursement plan not to load you with heavy payments

With an open credit, you are free to reimburse the totality of your credit balance at any time and with no penalty. By borrowing with Alterfina, you avoid going through banks to get a loan so you can get your money easier. Our instant bank verification proposes an approval based on realistic standards with no credit check. Click here to apply for a credit.

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

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.