pricing
What fees or costs should I expect?
Instant Credit loans use clear, plain-language disclosures. Before you sign, you’ll see:
- Principal — the amount you borrow
- Cost of borrowing — total interest + any fees, in dollars
- APR — annual percentage rate equivalent for comparison
- Payment schedule — exact dates and amounts
- Total payback — principal + cost of borrowing
There are no:
- Application fees
- Origination fees deducted from your principal
- Prepayment penalties (pay off early at any time and save on interest)
Standard charges that may apply:
- NSF (returned payment) fee — typically $25–$50 if your bank rejects a scheduled payment
- Late payment fee — varies by lender and province, disclosed before signing
All fees are capped at provincial regulatory limits and shown line-by-line on the loan agreement.
