Frequently Asked Questions (FAQs)

What are the eligibility requirements?

• Be 18 years of age or older
• Hold a stable job
• Be a Canadian resident
• Not be bankrupt or currently undergoing bankruptcy proceedings

How long will it take to receive my money?

With our $300 loan service, you can receive your money in less than 30 minutes after signing the contract. A standard deposit can take 24 to 48 business hours.

What are the rates offered?

The annual interest rate is 14.99%, which works out to 3.75% for a 3-month term. A brokerage fee applies when the loan is obtained.

How long will it take to find out if I've been approved?

Once your application is complete, you will receive a response by phone and/or email within one business hour.

What are the reasons my application might be refused?

• Being in the process of bankruptcy or a consumer proposal
• Having accumulated multiple NSF payments over the past few months
• Having an excessively high short-term debt load
• Providing incomplete, incorrect, or fraudulent documents

Is the process secure and confidential?

Yes, we exceed the highest industry standards, and your application is 100% confidential.

Can I pay off the loan in full at any time?

Certainly; you can pay off your loan at any time. Simply contact one of our agents to get your balance and schedule a payment date.

How do I apply?

You can apply for a loan directly on our website using our online form.

What happens if I fail to make a payment?

First, please contact with your lender if you are having trouble making a repayment. A $50 fee applies for a payment returned due to insufficient funds, and a $25 fee applies for deferring a payment. In the event of a prolonged payment default, the debt will be sent to collections.

Can I get another cash advance even if I haven't finished paying off my current loan?

Certainly; simply contact us to find out how much you can borrow as a new advance. You will receive your deposit in less than 30 minutes if you use our $300 loan service.

I am self-employed or receive income other than a standard salary; am I eligible?

Yes, provided you meet all other eligibility criteria.

I don't have a fax machine; where can I find one?

• Office supply store
• Post office
• Pharmacy
• Convenience store
• Your employer
• Bookstore
• Many businesses have a fax machine you can use

How can I get a copy of my bank statement and/or a sample cheque?

• Via your online banking
• Directly at a branch
• By phone

Apply Now