You can easily apply online or by phone.
The application process takes less than 5 minutes to complete.
Our process is simple and fast. As soon as you send us your application and required documents, we get back to you within one hour maximum.
How it works
Credit margin amount?
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Payment frequency
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Step 1
Complete your request
Step 2
Reception and Approval
Step 3
Direct deposit of your money $
Details On Credit Margin Requests
In order to be eligible, you must meet the following conditions :
- 18 years old or more;
- Be a Canadian citizen;
- Employed for at least 3 months;
- Paid by direct deposit in a Canadian banking institution;
- Not planning to declare bankcruptcy;
- Make more than $1200 per month.
Once you have completed your online application or on the phone with our team, a variable credit contract will be issued and sent to you by fax or email. You will have to return the 3 page contract fully signed and all other mandatory documents for your Credit Margin approval by fax or email.
The required documents are:
- A pre-authorized debit form or a void cheque from your banking account;
- A copy of your last pay stub;
- A valid identification card (signed with a photo ie. health card, driver’s licence, passport, etc.);
- A copy of your bank statement (last 30 days);
- A proof of residence (Phone bill, Utility bill, etc.).
To pay back your Credit Margin, you will have to issue either weekly, bi-weekly, or monthly payments according to your work pay schedule over a minimum period of 90 days.
Please borrow in a responsible way. We offer you a means to help you in difficult times. However, the interest rate is higher than rates at local banks. These credit margin should only be taken out when you don't have any other options to obtain financial assistance and should be used as rarely as possible. If contracted with full knowledge, this credit margin can be the right solution for you.
However, taking numerous credit margin can cause serious financial problems and unbearable debt load.
