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

Your payday loan alternative in Quebec

When facing an unexpected expense or need fast access to cash, many Quebecers turn to payday loans. But what if there was another way to get money quickly online? At Alterfina, we offer an alternative solution for anyone searching for payday loans in Quebec.

Your payday loan alternative in Quebec

When facing an unexpected expense or need fast access to cash, many Quebecers turn to payday loans. But what if there was another way to get money quickly online? At Alterfina, we offer an alternative solution for anyone searching for payday loans in Quebec.

  • $500 to $2,500

    $500 to $2,500

  • No credit check required

    No credit check required

  • Quick and easy access to cash

    Quick and easy access to cash

  • No paperwork

    No paperwork

  • Respect and confidentiality

    Respect and confidentiality

*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 your payday loan alternative financing?

Why choose Alterfina's payday loan alternative?

How it works

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While payday loans can provide quick cash, they often come with short repayment terms. Alterfina’s alternative lets you repay over a few months, with transparent conditions. No surprises, and always with respect for your situation. Our solution is designed for people who need funds quickly, whether for an unexpected bill or a short-term need, and who want a simple, 100% online process. We don’t require a credit check or complicated paperwork. You can get between $500 and $2,500, with approval based on your current situation, not your past credit history. With Alterfina, you have a real alternative to payday loans in Quebec.

Questions? Consult 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 quickly?

Simple, fast, and secure

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Find out all about our payday loan alternative

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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) - 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
Absolutely! At Alterfina, you can apply for a financing, even with a poor credit history. Unlike traditional banks, we do not perform credit checks and never reject a request due to a low credit score. Instead, we assess your repayment ability based on factors like your income and financial stability. Thanks to our 100% online process, no documents are required, and your request will be processed in less than 24 hours.
Here’s how it works: 1. Fill out and submit the online form. 2. Complete your IBV using the bank account where your income is deposited. 3. If approved, sign your contract. 4. Get your money deposited within hours.* *When 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 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.
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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 variable 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 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.
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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

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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

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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

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.

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.

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.

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.

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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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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