Money in your
account in 5 minutes.

Probably yes. We don't run a credit check. We look at your last 90 days of bank activity to confirm you have steady income, that's it. About 9 in 10 people who complete the application get approved. If you've been turned down by a bank before, that has no bearing on your decision with us.

Short-term loans cost more than bank loans — we won't pretend otherwise. The provincially-regulated rate is up to $15 per $100 borrowed per pay period. So a $500 loan over 14 days has a borrowing fee of $75. Total payback is shown clearly in your contract before you sign anything.

We're transparent about this because there are no hidden fees, no setup charges, no early repayment penalties. The number you see at signing is the number you pay.

No. We do not pull your credit report or run a hard check. Applying with us has zero impact on your credit score. You can apply, get approved, even sign the contract — none of it shows up on your credit file. Repaying on time can help your overall finances, but the loan itself is not reported to the credit bureaus.

Yes. You log in directly to your bank's secure portal — we never see, store, or have access to your password. We get a one-time read-only copy of your last 90 days of statements to verify income. We can't move money, change anything, or access your account again. The connection expires automatically.

Tell us before the payment is due, not after. We can defer most installments by up to 14 days, no extra cost. We'd rather work with you than chase you.

A missed payment without notice does incur an NSF fee from your bank plus a late fee from us. We don't sell debts to collectors and we don't garnish wages. We're a Canadian-licensed lender, not a loan shark.

Honest answer: our model needs predictable income to approve a loan responsibly. We're not currently able to lend to people whose primary income is government assistance (ODSP, EI), disability benefits, or who have filed for bankruptcy in the last 12 months. We also don't lend to anyone under 18 or outside Canada.

If that's you, we'd rather tell you upfront than waste your time. Self-employed and freelance income with regular deposits over the last 90 days does qualify.

First-time borrowers can be approved for up to $1,500. Your specific limit depends on your verified income — we won't lend you more than you can comfortably repay across your installments. Returning customers in good standing often qualify for higher amounts on subsequent loans.

Yes. We're a direct lender (not a broker), provincially licensed in Ontario, BC, Alberta, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, PEI, and Newfoundland. We've been operating since 2018 and are regulated under the Canadian Payday Loans Act, 2008. License numbers are available on request and listed in our footer.