Alterfina

Here are the steps to receive your emergency funds quickly: 1. Fill out and submit the online form. 2. Complete an instant bank verification (IBV) online using the account where your pay is deposited. 3. Once approved, sign your contract. 4. Receive your funds directly in your account the same day*. *If your file is completed and approved before 2:30 PM.

Once your application (form and bank verification) is submitted, you'll receive a confirmation via email, SMS, or phone. Our agents will then proceed with verification to determine the credit limit we can offer you. You’ll be informed of your application status directly through your Client Access portal. If your application is declined, you’ll receive an email. If approved, you’ll receive an email, a phone call, and a text prompting you to sign your contract. Once signed, funds are deposited directly in your account within a few hours. It's fast and easy!

Funds are usually deposited the same day. However, in some cases, there may be a delay of up to 24 business hours due to your bank’s processing time. Please note that bank holidays may cause additional delays.

Once you've repaid part of your credit, you may be eligible to renew it and access additional funds. Depending on your profile and payment history, an amount may become available automatically or upon request. To renew your credit, simply log in to your client account or contact our customer service team. We'll guide you through the next steps.

IBV stands for “Instant Bank Verification.” It’s a technology that, with your permission, allows secure, read-only access to certain information from your bank account (such as deposits and income history). It all happens online, in just a few clicks and without having to send in documents. During verification, you’ll log into your bank account just as you normally would (username, password, security questions if needed). We never have access to your login or password. The process is quick and secure.

IBV is a fast and reliable tool that allows us to automatically assess your eligibility, without requesting documents like bank statements or paystubs. It’s a simpler, faster method and widely used in the financial industry. This technology allows us to process your application in just a few hours while maintaining a high level of security and data protection.

Yes, IBV is the most secure technology available on the market. It is considered as safe as the systems used by major Canadian financial institutions. We do not and will never have access to your username or password. We partner with Flinks, a leading provider of instant bank verification services.

None. The bank verification is automatic and secure via our partner Flinks. All you need to do is log in to your bank account where your pay is deposited, using our secure platform, just like you normally would (with your username, password, and security questions if required).

If verification fails, our team will contact you to help guide you through a second attempt or suggest an alternative. Make sure your banking credentials are correct, that you’re logging into the account where your pay is deposited, and that you’re able to answer your security questions. Need help? Call us at 1 888 350-7738 — we’ll be happy to assist you.

No. The IBV does not affect your credit score. It is not a traditional credit check but rather a read-only, temporary access to your banking data, like deposits and transactions within the last 90 days. This process is not visible to credit bureaus and has no impact on your credit report.

No. The IBV is mandatory to complete a credit application with Alterfina. This process allows us to evaluate your eligibility quickly and efficiently, without unnecessary paperwork.

We apply a fixed annual rate of 19.99%.

Alterfina’s membership gives you access to financial tools, exclusive discounts on products and services, and access to a fast credit. The membership costs $3.46 per day (plus applicable taxes). You can choose to pay via automatic withdrawal from your bank account or directly through your fast credit, easily and securely.

You can check your balance, upcoming payments, and much more in your Client Access. To log in, visit our website and click the Client Access link at the top of the page. Once logged in, you’ll be able to: - View your balance and payment schedule - Manage your account settings - Activate your exclusive benefits - Access and redeem your discounts on exclusive products and services Make sure you have your login credentials for secure and quick access to all these features.

You can request a payment deferral at least 48 business hours before your scheduled payment date. In the case of a returned payment, fees will apply. Our company complies with Canadian legal standards. If a particular situation arises during your use of the fast credit, our customer service is available to assist you with deferral requests or any other inquiries. Note: The repayment amount cannot be less than 5% of the closing balance from the previous month.

The payment amount is based on your approved credit limit and payment frequency. You can request a justified change by contacting customer service.

Fast credits offered by Alterfina are designed to be repaid over a period of 3 to 6 months. Our product is intended for short-term use, with full repayment expected within a few weeks. For example: A $750 fast credit, with payments of $127 every two weeks, will be fully repaid in 10 installments. You can also make early or extra payments at any time without fees, to reduce your costs and pay off your balance faster. Be responsible and borrow wisely. Only request the amount you truly need.

Yes! Our fast financial solutions offer flexible repayment terms, according to the client agreement, and can be repaid before the usual 3 to 6-month term. You can choose to pay off the full amount or make partial payments at any time without any fees, helping you reduce your costs and pay off your loan faster.

Yes! This means we are a verified private lender, upholding the highest standards of transparency, ethics, and responsible practices.

We require read-only access to your bank statement. As outlined in our privacy policy, all information found in your statement remains confidential and will never be shared. We will only use the information necessary to confirm your identity and assess your ability to repay.

Frequently Asked questions (FAQ)

How to get emergency credit fast

What are the requirements to be eligible for a fast credit ?

What types of income are eligible ?

Can I apply with a bad credit history ?

Frequently Asked questions (FAQ)

How to get emergency credit fast

What are the requirements to be eligible for a fast credit ?

What types of income are eligible ?

Can I apply with a bad credit history ?