Frequently Asked Questions

Apply for a loan in 3 steps:

1. Get a loan quote: Enter a few simple details to find out how much money you could qualify for and what your loan payments might be. There is no obligation to take out the loan and it won’t impact your credit score.
2. A Lending Specialist will be in touch by phone to customize your loan details and answer any questions you may have.
3. Once you’re ready to proceed, gather the required documents and finalize your loan application online or at one of our branches. You could receive your money the same day you apply.

Yes, you can apply for a loan online and complete your personal loan application 100% online. A Lending Specialist will be in touch over the phone to customize your loan details and finalize your loan application. Your funds will be deposited directly into your bank account in as little as 24 hours.

No, a loan quote provides an estimate of how much money you could qualify for, and what your payments might be. We offer a loan quote to help you decide if we have the right loan solution for your needs, without impacting your credit score.

If you’re interested in your loan quote, a Lending Specialist will be in touch to customize your loan details and complete your loan application.

There’s no obligation to continue with the loan after you complete a loan quote. You’ll receive a call from a Lending Specialist, but you are welcome to let them know you’re no longer interested.

No, our loan quote uses a soft credit check, meaning it won’t show up on your credit report or impact your credit score. We’ll only proceed with a hard credit check if you choose to proceed with a loan application.

To complete your loan application, you’ll need to verify your personal identification, employment and income, and housing information, including:

• Personal identification (e.g., valid Canadian driver’s license or Canadian passport)
• Employment and income verification (e.g., current pay stub, T4/T4a, CPP statement, notice of assessment)
• Mortgage or rent verification

Being prepared with the documents required to finalize your loan application will help ensure the process goes smoothly and you get your money as soon as possible.

Yes, There are small loan application fees to apply for all loan. Which cannot be compared to the amount you will get.

Secured loans have some fees, which vary by province and territory. The different types of loan fees may include an administration charge, property fees, or other related costs.

Try an online loan quote to find out how much your loan payments might be. If you would like to customize the payment that’s shown in your quote, a Lending Specialist can adjust details like loan term and payment frequency, which control your loan payment.

If you’d like to learn more about loan payments, try our loan payment calculator. You can toggle the options to see how factors like loan amount, payment frequency, and loan term affect your loan payment.