Who can apply for an Instant Credit loan?

To apply you must be:

• 18 years or older (19+ in BC, NB, NS, NL, NT, NU, YT)
• A Canadian resident with a permanent address
• Earning a steady source of income (employment, self-employment, pension, disability, or government benefits)
• Holding an active Canadian bank account in your name (chequing account, used for at least 3 months)

You don’t need perfect credit — we work with multiple lenders, including those who specialize in non-prime borrowers. We do not lend in Quebec at this time for instant or installment products; secured loans may be available — check your eligibility on the application page.