Getting a personal loan for bad credit

Having bad credit can often be an obstacle to obtaining a personal loan. However, there are ways of getting around this problem and obtaining the necessary funding, in Quebec and Canada. Whether you need to deal with an unexpected expense, a financial emergency or simply rebuild your credit, it’s possible to find a loan that’s right for you. From personal loans to car loans, find out how to get a loan, even with bad credit.

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Finance Solution, a quick and easy personal loan in Canada

Need a loan? Finance Solution grants you a cash advance in less than 24 hours, when banks will refuse you your personal loan.

Bad credit rating and credit check

Credit rating is the most widely used financial indicator in Canada to determine creditworthiness, i.e. the ability to repay a loan. This is known as a credit check. A credit score below 600 is often considered bad credit. This is often due to a poor credit history, payment default or other credit issues.

Car loans and debt consolidation

Having bad credit in Canada means having difficulty obtaining money. Whether you’re applying for a loan to repair your car or consolidate your debts, financial institutions rely on your credit file and refuse loans for bad credit. It is therefore necessary to turn to private lenders.

Urgent online loan request, no documents required

In today’s environment where speed and ease of access to financial services are paramount, we offer urgent online loans without the need for physical documentation. This type of service is particularly useful for those who need money quickly and can’t provide the usual receipts such as pay stubs or bank statements.

To access these loans, fill in our online form in just a few minutes. Approval takes up to 90 minutes, without a credit check, thanks to Instant Bank Verification (IBV) technology, which enables us to verify your financial situation in real time without paper documentation.

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Our loans range from $250 to $1250 and are tailored to cover emergencies or unexpected expenses. They represent a practical solution for those who would otherwise find it difficult to obtain money due to a poor financial history or lack of required documentation.

FAQ

How do you rebuild your credit?

In order to complete your next credit inquiries, it is important to raise your score above 600. To do this, you need to adopt good financial habits:

Reduce the number of your credit cards if you have more than one.
Remember to limit your spending to 1/3 of your credit limit.
Pay your bills before the due date.

Loans granted by Finance Solution can contribute to this.

Why am I being refused a loan?

Has your loan application with Finance Solution been rejected? Make sure you meet our credit bureau’s eligibility criteria. Your bank account cannot be credited if your professional and financial situation does not guarantee your solvency.

What's the easiest loan to get?

There are many different types of loans with different credit facilities and interest rates. Micro-loans, granted by many private lenders such as Finance Solution, do not require a credit check and are often the easiest to obtain.