Make your life easier: our paperless open credit is available now! We offer credit without checking your score to help you face life’s unexpected events. Unlike any other financial institutions, we can help you resolve short-term money problems thanks to our guarantees:
Annual Interest Rates
Annual interest rate of 18,99%.
If you wish to use one of our credit facilities, you can use the following payment model as a guide : a withdrawal of 750 $ on your facility with bi-weekly payments of 121.01$ will take 10 installments.
This example is given as an example only and considers that the initial withdrawal has been entirely refunded to the credit facility before using another credit amount. In the example above, the weekly 22.75$ membership fee is included in the repayment amount.
We determine your minimum payments together, after having looked at your financial capacity to repay and the time during which you want to make installments**. Membership fees are applicable as long as there are used funds on the credit facility.
In Case of Default
NSF: A fee of twenty five dollars ($25.00) will be charged for bounced cheques and also charged in the case of bounced pre-authorized payments. Your financial institution will also charge you an NSF fee for any bounced payments.
Deferral of Payment: If the debtor would like to defer a payment to later than the date agreed upon in the original agreement, no administration fees will be charged. In order to defer a payment, you must inform us at least 72 business hours before the date of collection.
Credit score and financial support
Our business model complies to Canadian legal norms. If a particular situation arises during your use of the credit facility, our service department is there to help you out with payment deferrals, making modifications or other needs you might have.
The transactions made on your credit facility do not affect your credit score in a positive or negative way, because we don’t communicate with the credit bureaus.