Criteria

- Be a Canadian resident and at least 18 years of age.

- Have an eligible stable income.

Can I apply for a loan even if I'm not currently working?

Eligible income if not employed:
Private insurance
Government Pension (OAS / CPP)
Retired (work pension)

Ineligible income:
Social assistance
Employment insurance (EI)
Child tax benefit
AISH (disability Alberta)
ODSP (disability Ontario)
BC disability
PWD
Maternity leave
Foster parent
Student loans

- Have a street address.

- Have an active phone.

4 documents required

Recent Paystub.

Bank statement of last 30 days, including your last 2 deposits of revenue, showing all of your transactions. The bank statement cannot have been modified.

Void check or a “pre-authorized” debit form of the account your pays are deposited into.

Photocopy of a valid, non-expired, photo i.d.

Reimbursement plan

The loan is reimbursed over 4 months by 4, 8, or 15 equal installments; every week, two weeks, or monthly; according to your respective pay frequency.

The loan has an annual interest rate between 28 and 32%.

Garanty fees apply.

*Monday to Thursday. Before 10h30 a.m. on Fridays. The cutoff time for same day deposits is 10h30 a.m. every day for accounts held at the National and Laurentian Banks.
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