ABOUT US

A financing solution for everyone

Finance solution is a company that offers its customers an alternative to traditional credit. Our aim is to give you access to financing solutions tailored to your needs. Since our company began offering its financial services, we have helped countless Canadians simplify their access to credit by building a relationship of trust with our fast, respectful and confidential service.

OUR MISSION

Finance Solution’s mission is to provide you with a simple solution to your financial needs, quickly and efficiently. Respecting your privacy, you are at the center of our services to find the right solution for your situation.

OUR VISION

To help you in the management of your credit and finances without a broker

Away from the big corporations of the financing world, Finance Solution is a human alternative to traditional credit.
We offer products targeted to your needs, with the right advice to help you maintain healthy financial habits over the long term.

A solution based on our customers’ needs

Whether it’s equipment financing or helping you keep your head above water, it’s important for us to offer you a fast financing solution, while answering all your questions and supporting you throughout the process. Our priority is to process your request as efficiently as possible in order to get back to you with an imminent solution.

Private lending is often frowned upon. Yet private lenders are far more likely to accept a credit application, on less complex terms and conditions than larger institutions. What’s more, it’s often much less intrusive, and doesn’t require a credit check.

The core values of our company

Finance Solution is committed to protecting the confidentiality of your file by ensuring that it has the best protection available, such as encryption equivalent to that used by major banks. Integrity and respect are at the heart of our business. It is important that, in all our operations, these values are represented at all times.

allows you to benefit from a fast, confidential and secure service.

ASK FOR A LOAN

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.