Quick and easy:
24 hours loan by Interac transfer!
Your financial solution is at hand. In less than 24 hours, you can get an emergency loan to manage your unexpected expenses. No credit check, no documents or receipts required, just a quick and easy solution. With an INTERAC transfer or direct deposit, funds are quickly deposited into your bank account. Apply online today.
Quick and easy:
24h loans by Interac transfer!
Your financial solution is at hand. In less than 24 hours, you can get an emergency loan to manage your unexpected expenses. No credit check, no documents or receipts required, just a quick and easy solution. With an INTERAC transfer or direct deposit, funds are quickly deposited into your bank account. Apply online today.
Repayment plan for your loan
Calculate the cost of your instant loan and explore options based on total amount and desired repayment time. Get a microloan from $250 to $1250 in 24 hours, at an interest rate of 29%, tailored to your repayment capacity and income.
A money loan available on your account within 24 hours!
Once you have submitted your application via our secure form, it will take approximately 90 minutes to process it and verify your financial situation using the IBV (without any investigation or impact on your credit rating). Our loan contracts guarantee same-day deposit if signed before 2pm, or within 24 hours thereafter. Explore our range of loans tailored to your needs!
Apply for your 24h loan
Apply for a loan and receive the money in your account, free of charge, within 24 hours. Get a fast, no-rejection loan with a simple 4-step process.
1- MAKE AN INSTANT ONLINE REQUEST
Click on the “LOAN APPLICATION” tab, complete the online application form and select the total amount required. You will not have any paper documents to send us this step only takes a few minutes.
2- GET APPROVAL TODAY
Your request will be immediately analyzed and processed, you will receive a response in less than 90 minutes. Your application will not be subject to a credit check.
3- CASH IN LOAN
Receive money by same-day electronic transfer, direct deposit or Interac, into your bank account, if approved by 2:00 p.m. Monday to Friday. Otherwise, the deposit will be made on the next working day.
4- REPAY THE PERSONAL LOAN
Take advantage of our flexible repayment terms and pay off your loan with peace of mind, at a fixed interest rate. No long-term debt, you’ll have 3 to 6 months to repay your loan, depending on how often you earn.
Get a microloan online, without credit check and within 24 hours
Find out how you can get a personal loan in 24 hours, with no complications, no credit check and no rejection… if you meet the following eligibility criteria! You don’t need any documents to apply for an IBV loan, just send us some proof of your income, place of residence and employment status.
Be over 18
Be a Canadian resident
Have a steady job for at least 6 months
Receive a paycheck by direct deposit in Canada
Have a net monthly income of at least 1200$
Have on hand
– Identification
– Proof of address
– Checking account
– Income information
Frequent asked questions about 24h loans in Canada
What is a 24h loan ?
A 24h loan is a short-term loan designed to deliver fast financial relief, typically within 24 hours of approval. These loans are ideal for urgent expenses—such as emergency car repairs, medical or unexpected bills—when you need quick cash. Unlike traditional bank loans, 24h loans offer a streamlined application process, minimal paperwork, and often no credit check.
How quickly can I get funds ?
With a 24h loan, funds are usually deposited within the same day, often in just a few hours after approval. With Finance Solution, you get it within the same day if you’re approved before 2:00PM, which requires your application to be done before midday. We offer a decision in less than 90 minutes and transfer the money via Interac e-Transfer or direct deposit, so you can access cash when you need it most—without unnecessary delays.
Who qualifies for a 24h loan?
Most Canadians can qualify for a 24h loan, even if they have a low credit score. To be eligible with Finance Solution, you need to:
-
Be at least 18 years old
-
Reside in Canada
-
Have a steady income
-
Hold an active bank account
Lenders offering 24h loans usually focus more on your current financial situation than your past credit history.
Is a 24h loan safe and legal?
Yes, 24h loans are legal in Canada, provided the lender complies with provincial and federal lending regulations. To stay safe, always choose a licensed lender that discloses interest rates, fees, and terms upfront. Reputable lenders like Finance Solution follow transparent practices, helping borrowers avoid hidden fees or predatory lending traps.
IMPORTANT INFORMATION
Annual interest rate (APR)
We work with the best financial institutions to offer you an annual interest rate of 29%. Additional costs may be claimed to cover fees for the preparation, assembly, follow-up of the request and management of the customer file.
Reimbursement terms
Our loans reimbursement terms are 3 to 6 months depending on amount borrowed.
Exemple of reimbursement
For an instant loan of $750, $65 will be withdrawn from your account, weekly, over a 4-month period.
This information is given for descriptive purposes only and considers a full repayment, respecting the established payment schedule. These amounts include the fees claimed by the official agent (broker). Membership fees are subject to change. Finance Solution reserves the right to make such changes at any time. Amounts excludes postponed, refused or returned for insufficient funds payment fees .
Refused payment for insufficient funds or others
A 60$ fee will apply for any payment refused or returned for insufficient funds. These fees will be added at the end of your contract.
Postponed payment
It is possible to modify your payment plan by postponing a payment to a further date than according to your payment schedule. We must receive notice three business days prior to the scheduled withdrawal date and an administration fee of 50$ will be charged at the end of your contract. Please note that the first two payment will not be postponed.
Collection
If you miss a payment, one of our agents will contact you to advise you and rectify the situation. The collection officer will establish with you a new date on which the missed payment will be debited from your account. You will be charged a 65$ fee that will be added to the end of your payment schedule. If several payments are missed or you fail to honor your agreement, your file will be transferred to a collection agency.
Compliance of loan agreement
It is important to comply with your agreement and respect your payments. This will allow you to easily obtain a renewal, in addition of being able to increase the amount of your new loan.
Available in every province, except Québec
Eligibility
Although we strive to satisfy all our customers with flexible eligibility conditions, we are obliged to comply with current financial regulations. In order to evaluate your application, you must meet the following criteria:
- Be 18 and over
- Be a Canadian citizen
- Have a steady job for at least 6 months
- Receive a paycheck by direct deposit in Canada
- Not be under bankruptcy protection, intend on filling for personal bankruptcy or a consumer proposal
Completion of your file
Your file will be completed when these three steps have been done
- Reception and approval of all required documents
- Employment validation
- Verification of your personal references
Loans are deposited Monday through Friday during business hours.
Warning: Short term loans can provide an effective solution to meet your needs, but they have to be used wisely. Despite the fact that short-term loans are efficient and fast, the prevailing rates are higher than those of local banks. Therefore, they should be used occasionally and in situations where lower interest options would not be available, for exemple for an emergency. In order to avoid the appearance of a difficult financial situation, it is recommended that you do not contact several loan services.
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