logo
account
EnglishEnglish
    FAST CREDIT
    BENEFITS
    FAQ
    About Us
    Contact Us
    Career
Apply now

Client Access

logo
Career
About Us
Contact Us
Client Access
EnglishEnglish
FAST CREDIT
BENEFITS
FAQ
Your payday loans alternative with no credit check in OntarioWhen facing an unexpected expense or need quick access to cash, many Ontarians turn to payday loans. But what if there was another way to get money quickly online, and without a credit check? At Alterfina, we offer a flexible alternative for anyone searching for payday loans in Ontario. Repay your balance over several months, not all at once on your next payday.

Your payday loans alternative with no credit check in Ontario

When facing an unexpected expense or need quick access to cash, many Ontarians turn to payday loans. But what if there was another way to get money quickly online, and without a credit check? At Alterfina, we offer a flexible alternative for anyone searching for payday loans in Ontario. Repay your balance over several months, not all at once on your next payday.

  • Borrow from $500 to $1,500

    Borrow from $500 to $1,500

  • No credit check required

    No credit check required

  • Quick and easy access to cash

    Quick and easy access to cash

  • E-transfer the same day*

    E-transfer the same day*

  • No paperwork, no judgment

    No paperwork, no judgment

*If your file is completed and approved before 2:30 PM,
Click here for more details.
fastCreditfastCredit

It's fast and easy: 3 steps to get your cash

What are the benefits of Alterfina's payday loans alternative?

How it works

arrow

Our solution offers many advantages compared to traditional payday loans : checkNo credit check : your request has no impact on your credit score. checkHigher approval amounts : Get $500 to $1,500, which is more than most payday loans can offer. checkMore time to repay : repay your balance over several months, not all at once on your next payday. checkNo hidden fees : what you see on the calculator is what you really pay, no surprises. checkInstant access to funds : get money the same day if your application is complete and approved before 2:30 p.m. checkNo risk of payday loan cycles : manage your repayments on your terms and avoid falling into a debt spiral. checkBad credit accepted : we don’t judge your credit history. You can also and access exclusive benefits, such as : checkDiscounts at merchants and on groceries checkCredit report and monitoring with Equifax Complete™ checkA prepaid card for simple money management checkAnd much more!

Want to know more? Consult the benefits

Calculate your payments

1 / Desired credit amount*

500 $2 500 $1 500 $

2 / Payment frequency

3 / Payment amounts

167 $ by paycheck for about 182 days

*Indicative amount. Refer to the legal notices page

Calculate your payments

1 / Desired credit amount*

​

2 / Payment frequency

​

3 / Payment amounts

167 $ by paycheck for about 182 days

*Indicative amount. Refer to the

legal notices page
bgAlter
banner

Need cash quickly?

Simple, fast, and secure

banner

Find out all about our payday loan alternative

arrow
Here are our eligibility requirements: – Must be 18 years or older. – Must be a resident of 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
– 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
Absolutely! At Alterfina, you can apply for a payday loan alternative, even with a poor credit history.
Here are the steps to receive your 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 into 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 into 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 financial institution'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 transaction 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 IBV services.
info icon
None. IBV 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 18.99%, which is competitive compared to the interest rates offered by most private lenders.
A weekly membership fee of $24.20 applies whenever there is an active balance. These fees are already included in the repayment amounts shown in our calculator, so you always know exactly what you’ll pay.
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.
Financing solutions 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 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 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 credit 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.
rating

Great when you need help and great customer service, thank you.

- Caroline

rating

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

- Guy

rating

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

rating

I liked being listened to and the professionalism. I felt respected. Thank you very much.

- Guylaine

rating

Excellent support service and very fast. I thank you, now I feel much better thanks to you.

- Michel

rating

Great when you need help and great customer service, thank you.

- Caroline

rating

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

- Guy

rating

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

rating

I liked being listened to and the professionalism. I felt respected. Thank you very much.

- Guylaine

rating

Excellent support service and very fast. I thank you, now I feel much better thanks to you.

- Michel

rating

Great when you need help and great customer service, thank you.

- Caroline

rating

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

- Guy

rating

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

rating

I liked being listened to and the professionalism. I felt respected. Thank you very much.

- Guylaine

rating

Excellent support service and very fast. I thank you, now I feel much better thanks to you.

- Michel

rating

Great when you need help and great customer service, thank you.

- Caroline

rating

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

- Guy

rating

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

rating

I liked being listened to and the professionalism. I felt respected. Thank you very much.

- Guylaine

rating

Excellent support service and very fast. I thank you, now I feel much better thanks to you.

- Michel

rating

Great when you need help and great customer service, thank you.

- Caroline

rating

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

- Guy

rating

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

rating

I liked being listened to and the professionalism. I felt respected. Thank you very much.

- Guylaine

rating

Excellent support service and very fast. I thank you, now I feel much better thanks to you.

- Michel

rating

Great when you need help and great customer service, thank you.

- Caroline

rating

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

- Guy

rating

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

rating

I liked being listened to and the professionalism. I felt respected. Thank you very much.

- Guylaine

rating

Excellent support service and very fast. I thank you, now I feel much better thanks to you.

- Michel

google

Trusted by thousands across Canada

We are proud to have received over 2,000 customer reviews with a rating of over 4.6/5 (as of Winter 2025). Their testimonials are proof of our commitment to providing a reliable and human-centered service.

We offer financial solutions tailored to your situation

Need emergency cash? Discover our fast financing solutions, accessible even with bad credit. Get a decision in just minutes and receive your funds the same day.

Find out how we can help you in an emergency.

Having trouble getting a loan because of bad credit? At Alterfina, we understand that past incidents can complicate access to financing. Unlike banks, we analyze your file without taking your credit history into account.

Find out how we can help you, even with bad credit.

Looking for an alternative to installment loans? At Alterfina, we understand that traditional installment loans can be rigid and hard to manage. That’s why we offer a more flexible solution. Get up to $1,500 with no credit check, and repay on your own terms.

Find out more about our installment loan alternative

Need emergency cash? Discover our fast financing solutions, accessible even with bad credit. Get a decision in just minutes and receive your funds the same day.

Find out how we can help you in an emergency.

Having trouble getting a loan because of bad credit? At Alterfina, we understand that past incidents can complicate access to financing. Unlike banks, we analyze your file without taking your credit history into account.

Find out how we can help you, even with bad credit.

Looking for an alternative to installment loans? At Alterfina, we understand that traditional installment loans can be rigid and hard to manage. That’s why we offer a more flexible solution. Get up to $1,500 with no credit check, and repay on your own terms.

Find out more about our installment loan alternative

Don’t miss a thing!

Subscribe to our newsletter and stay informed about the latest updates.

The credit solution that gives you more

Enjoy a wide range of exclusive benefits designed to make your life easier and help you save every day.

hero
hero
logo
logo

Contact Information

Alterfina Québec

7750 Cousineau Blvd Suite 302
Saint-Hubert, QC J3Z 0C8
1-888-350-7738
(514) 313-0106

Alterfina Ontario

100 King Street W - Suite 5700
Toronto, ON M5X 1C7
1-888-307-7738
(437) 529-0106

Quick links

About UsContact UsFAQCareer
logo
Protection of personal informationLegal NoticePrivacy Policy

©2025. All rights reserved Alterfina