Applying for a loan with us is quick and easy. All you have to do is fill in our online form in just a few minutes with your basic information, such as your identity, bank details and source of income. There’s no need to go anywhere – everything is done securely online. Once you’ve submitted your application, our team reviews it quickly and you’ll receive a reply within hours. If your loan is approved, the funds will be deposited directly into your bank account, usually the same day or within 24 hours.

Our eligibility criteria are designed to give as many people as possible access to financial assistance, even without a good credit history. To be eligible, you must :

• Be at least 18 years of age
• Reside in Quebec and be a citizen or permanent resident
• Have a stable income of at least $1,200 per month (employment, benefits, etc.)
• Have an active Canadian bank account
• Not be bankrupt or in an active consumer proposal

Unlike traditional banks, we don’t require a credit check. Instead, we analyze your current repayment capacity and propose a solution tailored to your financial situation.

We know how important it is to have access to funds quickly in case of urgent need. Once your request has been submitted and approved, funds are transferred the same day in most cases, and always within a maximum of 24 hours. If your request is completed and approved early in the day, you may receive your money within a few hours. On the other hand, if it is submitted in the evening or over the weekend, processing may take place on the next working day.

No, we believe in transparency and honesty. All fees and repayment terms are clearly detailed in your contract before you accept the loan offer. You won’t be charged any hidden fees or unexpected costs. You’ll know right from the start exactly how much you’ll have to pay back, and what your payment schedule will be. In case of doubt, our customer service is always available to answer your questions before finalizing your application.

Absolutely! You always have the option of paying off your loan early, in full or in part, without any additional fees or penalties. Making an early repayment can help you save on interest charges and reduce your financial commitment more quickly. Simply contact our customer service department to arrange an advance payment or make a transfer directly from your bank account.

Our team is available to answer all your questions and assist you with your loan application. You can reach us:​

• By email: Response guaranteed within 24 hours​

• Via online chat: Accessible directly on our website for quick assistance.​

Whether it’s a question before applying, tracking your file, or information about your repayment, we are here to help!