Easy loan approval in Canada
Make your plans a reality or deal with unexpected expenses with affordable financing tailored to your needs. Our quick and easy personal loan solutions are designed for all Canadians. Thanks to our intuitive platform, your online application will be smooth, with fast responses and payment within 24 hours. Our mission is to provide easy loan approval, accessible to everyone, without complications or long waits.
Easy loan approval in Canada
Make your plans a reality or deal with unexpected expenses with affordable financing tailored to your needs. Our quick and easy personal loan solutions are designed for all Canadians. Thanks to our intuitive platform, your online application will be smooth, with fast responses and payment within 24 hours. Our mission is to provide easy loan approval, accessible to everyone, without complications or long waits.
A customized loan
WITHOUT CREDIT CHECK
Online application, no need for documents
The loan application process is simple. Complete our online form in just a few minutes. All you need to do is indicate the loan amount and term you want.
You don’t need to complete a credit report or credit check as you would with a traditional financial institution. We use IBV to check your bank account, and you’ll be asked to provide a few details to verify that you meet our criteria.
A fast money loan
Looking for a fast cash loan, regardless of your credit rating? Get a payment on your bank account in less than 24 hours, regardless of your financial institution!
The application is made via an online form. Your loan will be approved in 90 minutes on average, provided you meet our selection criteria.
Instant, easy financing
Would you like to renew your loan? Is this your first application? We build a lasting relationship of trust with you, based on transparency and respect. Our personalized service guarantees a response within 90 minutes of your request (on working days).
If your loan application is approved, payment will appear in your bank account within 24 hours. If not, we will let you know the reasons for our refusal.
Repayment calculation based on our fixed rate
Choose your desired amount and amortization period to get an overview of your repayment schedule. Our interest rate is fixed at 29%, regardless of the amount of your loan and the payment schedule.
Trust the process, entirely secured with IBV!
Your information moves in a highly secured environment
We use "Instant Banking Verification" (IBV)
Your request will be managed confidentially
IBV offers you fast, confidential and secure service.
How can I get a personal loan quickly?
Get a fast loan from $250 to $1250, no credit check required!
Be over 18
Be a Canadian resident
Have a steady job for at least 6 months
Receive a paycheck by direct deposit in Canada
Have a net monthly income of at least 1200$
Have on hand
– Identification
– Proof of address
– Checking account
– Income information
Frequently Asked Questions about easy loan approval
How do I get a loan approved?
For a traditional financial institution, meticulous preparation of your file considerably increases your chances of obtaining a personal loan. Your credit rating, available from Equifax or TransUnion, plays an important role in validating your file.
At Finance Solution, your credit rating plays no role. We don’t run credit checks. Like all online lenders, we offer more flexible terms and conditions than a traditional bank.
Who else but banks can lend money?
Has your bank refused your credit application for a major purchase? Other borrowing options are available to you! Your friends and family, for example, can give you a loan (also known as love money) for your project. And don’t forget private lenders: available online, their selection criteria are less stringent. Finance Solution is the proof!
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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