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    FAST CREDIT
    BENEFITS
    FAQ
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Client Access

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Career
About Us
Contact Us
Client Access
EnglishEnglish
FAST CREDIT
BENEFITS
FAQ

Bad credit? Get personal financing in Quebec

At Alterfina, we believe everyone deserves a second chance, even after financial challenges. If banks refuse your loan due to your credit file, our team is here to help you get a personal loan — no credit check, no judgment.

Bad credit? Get personal financing in Quebec

At Alterfina, we believe everyone deserves a second chance, even after financial challenges. If banks refuse your loan due to your credit file, our team is here to help you get a personal loan — no credit check, no judgment.

  • $500 to $2,500, even with bad credit

    $500 to $2,500, even with bad credit

  • Available even after a bank refusal

    Available even after a bank refusal

  • No documents, no credit check

    No documents, no credit check

  • Same-day deposit*

    Same-day deposit*

  • Confidential and respectful service

    Confidential and respectful service

*Via Interac transfer, if your application is complete and approved before 2:30 p.m.
Click here for more details.
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How to get personal financing with bad credit

The impact of a bad credit score and how Alterfina helps

How it works

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When a financial institution runs a credit check, they are requesting access to the information in your credit report. This includes reviewing your credit history, your current repayment ability based on your income, and other financial checks. The decision is then made based on a credit score. A low score often leads to a loan refusal. At Alterfina, there’s no need to worry about your past credit history. We offer short-term financing solutions securely, confidentially, and based on your current financial situation.

Questions? Visit the FAQ

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
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Need funds despite your bad credit score?

Simple, no credit check, and secure

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Find out all about our financial solutions for bad credit

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To qualify and receive your funds, you must meet the following criteria: - Be at least 18 years old. - Reside in Quebec. - Be employed for at least three months and/or receive an eligible income. - Receive income via direct deposit at a Canadian financial institution. - Not be in a state of insolvency. - Have a minimum gross monthly income of $1,500.
- Employment income - Quebec Parental Insurance Plan (QPIP) - CNESST benefits - SAAQ benefits - Special Solidarity Allowance (SSA) – disability - SSA – earned income - Various pensions - Self-employed income - OAS – Old Age Security - GIS – Guaranteed Income Supplement - CPP – Canada Pension Plan - EI – Employment Insurance
When a bank or financial institution conducts a credit check, they request access to the information in your credit file. This includes reviewing your credit history, your repayment ability based on current income, and more. Based on the report, lenders make a decision about your creditworthiness. A poor score can lead to loan rejection.
Here are the steps to receive your funds: 1. Complete and submit the online form. 2. Perform Instant Bank Verification (IBV) with the account where your pay is deposited. 3. Once approved, sign your contract. 4. Receive your funds the same day directly into your account.* *If your application is completed and approved before 2:30 p.m.
After submitting your application (form and IBV), you’ll receive confirmation. Our agents will verify your details and determine your credit eligibility. You’ll be informed of your application status via your Client Access. If denied, you’ll receive an email. If approved, you'll receive an email, call, and SMS to sign your contract. Once signed, funds will be deposited within a few hours. It’s quick and easy!
Funds are usually deposited the same day. In some cases, there may be a 24-hour delay due to your bank’s processing time. Note: 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 is a technology that, with your permission, securely accesses certain bank account information (like deposits and transaction history). Everything happens online, quickly and without sending documents. You log into your account as usual with your username, password, and any required security questions. We never have access to your credentials. The process is fully confidential.
IBV is a fast and reliable tool that helps us validate your eligibility without requesting bank statements or pay stubs. It's simpler, faster, and widely used in the financial industry. Thanks to this tech, we process your application in hours while maintaining high security.
Yes. IBV is one of the most secure technologies on the market — as secure as the systems used by Canada’s major banks. We never have access to your username or password. We work with Flinks, a trusted IBV service provider.
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None. IBV is automatic and secure via our partner Flinks. You simply log in to the account where your income is deposited using our secure platform, just like you normally would.
If verification fails, we’ll contact you to help retry or suggest an alternative. Make sure your credentials are correct, you're logging into the right account, and you can answer any security questions. Need help? Call us at 1 888 350-7738 — we’re happy to assist.
No. IBV doesn’t impact your credit score. It's not a credit check — just temporary read-only access to your bank data like deposits. Credit bureaus can’t see this process and it won’t show on your credit report.
No. IBV is required to complete a credit request with Alterfina. It lets us quickly and efficiently evaluate your eligibility without paperwork.
We apply a fixed annual rate of 19.99%.
Alterfina membership gives you access to financial tools, exclusive discounts, and bad credit financing. Membership costs $3.46/day (plus tax). You can pay via bank withdrawal or directly through your credit account.
You can check your balance, upcoming payments, and more in your Client Access. Go to our website and click 'Client Access' at the top. Once logged in, you can: - View your balance and payments - Manage account settings - Activate exclusive benefits - Access and use discounts on exclusive products and services Have your login info ready for secure and fast access.
You can request a payment deferral up to 48 business hours before the due date. NSF (non-sufficient funds) fees apply. We comply with Canadian law. If a special situation arises, our customer service can help with deferral or other requests. Note: Payment cannot be less than 5% of the previous month’s closing balance.
Payment amounts are based on your approved credit limit and payment frequency. You may request a justified change by contacting support.
Alterfina’s financing is short-term, with repayment expected over 3 to 6 months. Example: If you borrow $750, repaying $127 every two weeks = 10 total payments. You can repay early or make extra payments anytime with no penalty. That reduces your total cost and repays the balance faster. Be responsible: borrow only what you need.
Yes! Our credit can be repaid anytime — partially or fully — before the usual 3 to 6-month term. No fees. This helps you reduce costs and finish repayment sooner.
We only access a read-only copy of your bank statement. As stated in our privacy policy, all information remains confidential and is never shared. Only the necessary information is used to verify your identity and assess your ability to repay.
Yes! This means we’re a verified private lender and we follow the CLA’s high standards of transparency, ethics, and responsible lending.
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Great when you need help and great customer service, thank you.

- Caroline

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

- Guy

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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

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

- Guylaine

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

- Michel

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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.

Whatever your financial situation, we’re here for you

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.

Looking for an alternative to payday loans? At Alterfina, we know that traditional payday loans can be expensive and stressful. That’s why we offer a more flexible solution. Get up to $2,500 without a credit check.

Find out more about our payday loans alternative

Need money without the administrative hassle? At Alterfina, we make it easy: no need to prepare or send documents. Get $500 to $2,500 fast with a simple procedure, no paperwork or complicated forms.

Find out more about our no-document financing offers.

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.

Looking for an alternative to payday loans? At Alterfina, we know that traditional payday loans can be expensive and stressful. That’s why we offer a more flexible solution. Get up to $2,500 without a credit check.

Find out more about our payday loans alternative

Need money without the administrative hassle? At Alterfina, we make it easy: no need to prepare or send documents. Get $500 to $2,500 fast with a simple procedure, no paperwork or complicated forms.

Find out more about our no-document financing offers.

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Take control of your finances with Alterfina

Become a member today and enjoy a wide range of exclusive benefits designed to simplify your life.

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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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