We can help you in less than 24 hours.
An express, online loan with no need for travel, paper documents or credit checks!

Get a micro loan from $250 to $1250




With our online form, you won’t need to send in any paper documents, and the IBV system ensures the security and confidentiality of your data.


We process your request as soon as we receive it. On average, it takes less than 90 minutes to obtain your loan.


For an emergency, you must sign your contract before 2:00 p.m. in order to receive the loan the same day in your bank account, by electronic transfer.

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 borrow money instantly?

Get a quick loan of $300, $500 or $1,000, no credit check required!

It’s simple, safe and fast


Must 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

– An identity card
– A proof of address
– A checking account
– Income informations

You will be eligible for a loan of up to $1250, once your first loan of $300 is repaid by half. It will also be possible to renew your loan at or before the end of the term, following completion of the first quick loan, the balance of which must be less than $150.


250$ 1250$
2 semaine26 semaines
Votre paiement sera de par semaine, à
Total à la fin des paiements:


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For an instant loan of $750, $65 will be withdrawn from your account, weekly, over a 4-month period.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 50$ 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 35$ will be charged at the end of your contract. Please note that first payment will not be postponed.


Ifyou miss a payment, one of our collection officers will contact you in order to notify you and correct 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 50$ fee that will be added to the end of your payment schedule. If several payments are missed or you do not 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.


Although we try to satisfy all our customers with flexible eligibility conditions, we are obliged to comply with the effectives financial rules. In order to evaluate your file, it is necessary to 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.

Who can lend me money quickly?

More and more financial institutions are lending money quickly, but often require guarantees and credit checks. If you’re in urgent need of money, it’s best to use lenders like Finance Solution, who regularly provide personal loans, online and without a credit check. Fill out our form and get a loan in less than 24 hours!

How can I get a instant mini loan?

Obtaining a micro-loan with Finance Solution couldn’t be easier! Apply online with our loan application form in just a few minutes. Approval is expected within 90 minutes, without a credit check. The transfer is then made by Interac transfer the same day or the next business day. You will then have 3 to 6 months to repay your loan.