Make an Xpress request within minutes
It takes less than 15 minutes to apply for a $500 to $1500 loan thanks to our paperless technology!
Our Approach
Three easy steps is all it takes to get a loan quickly and securely.
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Pay it back at your own pace!
You can choose the payment plan that best suits your needs, with payments every week, two weeks, or once a month.
Benefit from our proven process
When you need some extra money fast, we make it easy for you to get a loan quickly, regardless of your credit.
Our rate
Our loans are for a minimum of 90 days and a maximum of 180 days. Our annual interest rate is 24% APR. In the event of default, the applicable interest rate is 2% per month (24% per year). A loan of $750 payable repayable in 6 payments would be $187.50 per payment. This information is provided as an example and takes into account the brokerage fees added to the principal amount borrowed. Renewing your loan is not automatic, you must request it. There is a $50 service charge for insufficient funds. In the event of non-payment, a collection agency will call you. There is a service charge if your loan is accepted.
Collection and credit scoring
Our company complies with Canadian laws, regulations and legal standards. If a particular situation arises during your repayment period, our collection department will work out a repayment agreement with you based on your situation. If the debtor defaults on any of the repayments under this agreement, the creditor may demand payment in full of any unpaid balance, principal, interest and costs. All judicial and extra-judicial costs that may reasonably be incurred by the creditor due to defects in a contract by the debtor will be claimed and returned to the creditor by the debtor. In the event that no payment agreement is possible between the debtor and the creditor, the creditor may assign the file to a collection agency, which may affect the debtor’s credit rating or credit score.
Be responsible!
Used responsibly, short-term loans may be the right solution for you. However, short-term loans have higher interest rates and fees than loans obtained through a locally chartered financial institution. This type of service should be used as infrequently as possible or in the event that no other alternative, at lower interest rates, exists for you. Taking out multiple loans of this nature will saddle you with debt and cause serious financial problems.
