Paperless credit in Quebec, no credit check needed

At Alterfina, forget about paperwork! Our personal financing solution is simple, fast, and accessible — no matter your situation. Get between $500 and $2,500 with no documents required.

Paperless credit in Quebec, no credit check needed

At Alterfina, forget about paperwork! Our personal financing solution is simple, fast, and accessible — no matter your situation. Get between $500 and $2,500 with no documents required.

From $500 to $2,500
Zero documents to send
No credit check
Quick decision & same-day deposit*
100% online and secure process

*Via Interac transfer, if your application is complete and approved before 2:30 p.m.
Click here for more details.

How to get a paperless credit?

Estimate your payments easily

How it works

During the loan application process, especially for payday loans, you’ll often need to decide between allowing lenders to access your bank account through IBV or manually uploading your bank statements. At a private lender like Alterfina, no-document financing is perfect for anyone who wants a simple solution, without unnecessary paperwork. Our offer is especially for: check Those who want to avoid paperwork or administrative steps check Anyone looking for a fast solution, without delays from document reviews check People who don’t have pay stubs or supporting documents handy check Anyone in a hurry, or who has been refused a bank loan due to an incomplete file

Visit the FAQ to learn more

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

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

Need funds without paperwork?

Simple, no proof required, and secure

Find out all about our paperless credit offer

Here are the eligibility criteria: - Be at least 18 years old. - Reside 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 undergoing bankruptcy proceedings. - Have a minimum gross monthly income of $1,500.

Salaried income - Quebec Parental Insurance Plan (QPIP) - Commission des normes, de l'équité, de la santé et de la sécurité au travail (CNESST) benefits - Société de l'assurance automobile du Québec (SAAQ) benefits - Allocation de Solidarité Spécifique (ASS) - disability - Allocation de Solidarité Spécifique (ASS) - salaried income - Various pensions - Self-employed income - OAS – Old Age Security - GIS – Guaranteed Income Supplement - CPP – Canada Pension Plan - EI – Employment Insurance

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.

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 instant bank verification services. (FLinks Logo)

None. 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 paperless 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.

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 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.

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

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

- Guylaine

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.

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 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 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.

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Simplify your loan process with Alterfina

Get paperless financing with no hassle and no credit check. A fast, reliable, and 100% online solution.

Paperless credit in Quebec, no credit check needed

At Alterfina, forget about paperwork! Our personal financing solution is simple, fast, and accessible — no matter your situation. Get between $500 and $2,500 with no documents required.