Frequently asked
FAQs
Straight answers about how we work, who qualifies, and what your loan actually costs. Don't see your question? Get in touch.
Process & timing
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Will applying affect my credit score?
Soft pull on the initial check; hard pull only if you accept.
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How fast can I receive my funds?
Same-day Interac e-Transfer on approved instant loans.
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Can I pay off my loan early?
No prepayment penalty — pay early and save interest.
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What happens if I miss a payment?
Contact us first — most missed payments can be rescheduled.
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Do you report to credit bureaus?
Installment and secured loans build credit; instant loans do not.
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How do you verify my income and bank account?
Instant bank verification (IBV) via Inverite, Flinks, or Plaid.
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Can I borrow again after I pay off?
Repeat customers get faster approvals and higher limits.
Eligibility
Pricing, fees & rates
Still have questions?
Our team can walk you through eligibility, loan options, and exactly what you'll pay before you commit.
