About Us

We are a micro-credit company whose mission is to help everyone have access to funds without a credit check. It is not always easy to get a loan from a financial institution, that is why we created this company.

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We offer various solutions according to your needs.

The amount of the loan is at your discretion, we validate your situation in order to maximize your repayment and not to find yourself in a situation of over-indebtedness.

In accordance with the federal law C-27

We have the protection of your personal and electronic data at heart. The security of your information is a priority for us. We use software that is approved by security firms.

Pursuant to section 8 of Part 1

Designated individual 8 (1) An organization must designate one or more individuals to be responsible for matters related to its obligations under this Act. It must provide the designated individual’s business contact information to any person who requests it.

You can contact

[email protected]

for any questions.

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.