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    BENEFITS
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Career
About Us
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Client Access
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FAST CREDIT
BENEFITS
FAQ

EXCLUSIVE OFFER IN QUEBEC

A simple, fast and advantageous financial solution

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    Quick funds from $500 to $2500
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    A wide range of exclusive benefits and services
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    Practical financial tools

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A commitment recognized by our members

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90%

of our members are satisfied with their experience with Alterfina*

quote
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+ 2,000 customer reviews

A commitment recognized by our members

quotequote

90%

of our members are satisfied with their experience with Alterfina*

quote
quote

+ 2,000 customer reviews

*Data from an independent annual customer satisfaction survey (December 2024)

Become a member and make the most of it

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Exclusive discounts and services worth over $6,000, financial tools, and access to fast and no credit check financing to help you save and better manage your finances daily.

MERCHANT DISCOUNTS

MERCHANT DISCOUNTS

Save with exclusive discounts on your everyday purchases.

Learn more
EQUIFAX PREMIER

EQUIFAX PREMIER

A powerful tool to control your credit and protect your identity.

Learn more
PREPAID CARD

PREPAID CARD

A practical solution for simple and flexible fund management.

Learn more
GLOUTON EXTRA

GLOUTON EXTRA

Save over $4,000 a year by optimising your use of specials.

Learn more
FAST CREDIT, NO CREDIT CHECK

FAST CREDIT, NO CREDIT CHECK

Funds in less than 24 hours by direct deposit. No credit verification.

Learn more
MERCHANT DISCOUNTS

MERCHANT DISCOUNTS

Save with exclusive discounts on your everyday purchases.

Learn more
EQUIFAX PREMIER

EQUIFAX PREMIER

A powerful tool to control your credit and protect your identity.

Learn more
PREPAID CARD

PREPAID CARD

A practical solution for simple and flexible fund management.

Learn more
GLOUTON EXTRA

GLOUTON EXTRA

Save over $4,000 a year by optimising your use of specials.

Learn more
FAST CREDIT, NO CREDIT CHECK

FAST CREDIT, NO CREDIT CHECK

Funds in less than 24 hours by direct deposit. No credit verification.

Learn more
MERCHANT DISCOUNTS

MERCHANT DISCOUNTS

Save with exclusive discounts on your everyday purchases.

Learn more
EQUIFAX PREMIER

EQUIFAX PREMIER

A powerful tool to control your credit and protect your identity.

Learn more
PREPAID CARD

PREPAID CARD

A practical solution for simple and flexible fund management.

Learn more
GLOUTON EXTRA

GLOUTON EXTRA

Save over $4,000 a year by optimising your use of specials.

Learn more

FAST CREDIT, WITHOUT A CREDIT CHECK

As a member, you can apply for a no credit check financing in 3 simple steps

step1

1

Easy-to-complete online form

Fill it out in just 2 minutes.

2

Instant Bank Verification (IBV)

We securely validate your info.

3

Instant direct deposit

Receive your funds directly into your account.

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

At Alterfina, no need to worry about your credit history.

How it works

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We offer fast short-term financing solutions to Quebecers and Canadians, in a secure and confidential environment, regardless of their financial situation. Unlike banks, we do not require a credit check or review your loan history. Your application is processed quickly, no matter your past credit.

We set your minimum payments together, based on your ability to repay and your preferred term. Our personal financing solutions are flexible and the annual interest rate is 19.99%, a competitive offer among private lenders in Quebec.

Questions? Check the FAQ

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
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Need funds quickly?

Simple, fast, and secure

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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

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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.

FREQUENTLY ASKED QUESTIONS

To qualify and get your money, you must meet the following criteria: - Be at least 18 years old. - Live in Quebec. - Be employed for at least three months and/or receive an eligible income. - Receive your income via direct deposit in a Canadian financial institution. - Not to be in a state of insolvency. - Have a minimum gross monthly income of $1,500. *Eligible income types are listed in our FAQ page.
Yes! You can get fast funds with no credit check, even with bad credit. Unlike traditional banks, we don’t run credit checks or review your loan history. We do not reject applications based on bad credit, as long as you meet our eligibility criteria above.
Funds are usually deposited by Interac e-Transfer the same day. Depending on your bank, processing may take 24-48 business hours.
Yes! This means we are a verified private lender, upholding the highest standards of transparency, ethics, and responsible practices.
When an organization or a financial institution proceeds with a credit check, that means they are asking for access to information found in your credit file. They verify your past credit history, your credit rating, your repayment capacity based on your current income level, and perform 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 refusal.
Each time a credit check is performed, credit bureaus like Equifax or TransUnion assign a score based on your financial history and repayment habits. In Canada, a score below 560 is generally considered poor. This score influences how traditional lenders assess your loan application and can lead to higher interest rates or even refusals.
We apply a fixed annual rate of 19.99%.
IBV stands for “Instant Bank Verification.” It’s a technology that, with your authorization, securely accesses certain information from your bank account (such as your deposits and transaction history) in read-only mode. Everything is done online, in just a few clicks, without the need to send any documents. We will never have access to your username or password. This process is fast and completely confidential.

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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

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