Frequently asked questions

Decorative plant

What are the eligibility requirements?

  • Be a Canadian Citizen
  • Be paid by direct deposit
  • Be 18 years old and over
  • Have a steady job (3 months minimum)
  • Have a low ratio of NSF
  • Earn at least $1200 /month
  • Have a low ratio of payday loans
We do not accept the following:

  • Welfare
  • CPP
  • Private pension
  • Student loan
  • Self-employed
  • Child tax
  • Disability (odsp, aish ...)
  • Other insurance income
Yes, an active account at a Canadian financial institution is required.
If your file is approved before 10:30AM EST, you should receive your money before the end of the day.
  • Have an un-discharged bankruptcy or a consumer proposal ongoing
  • Not having a steady job
  • Required documents are incomplete or incorrect information
  • Too many non-sufficient funds on transactions
No, only people paid by direct deposit on recurring dates are eligible.
  • Staples
  • UPS stores
  • Shoppers Drug Mart
  • Rexall
  • Post offices
  • Convenience stores
The lending companies we do business with offer :
  • Annual interest rates of 23%
  • In case of default, the interest rate on the remaining loan is 23% anually
  • NSF fees : $48
  • In some cases, it might be possible to delay a payment for an administrative fee of $28
  • Minimum length of repayment term : 3 months
  • There is a surety fee applicable on the loan
Even though we're closed on weekends and public holidays, you can still apply online 24/7 and send your documents. We will be able to process your file the following business day.
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