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Your credit score isn't the whole picture. We look at your income and banking history to make a decision — without a hard credit bureau inquiry that could affect your score.
Instead of pulling a hard credit inquiry, we look at the things that tell us whether you can repay a short-term loan.
Employment, government benefits, pension, or self-employed income.
Recent activity and balance trends in your account.
Whether the loan and fee comfortably fit your next pay.
We want to be precise about this, because some lenders overstate it.
We make our lending decision primarily on income and banking history. We do not run a hard credit bureau inquiry that shows up on your credit report during the standard application review.
We don't promise guaranteed or automatic approval. No legitimate lender can legally make that promise — every application is still reviewed.
A flexible approach to credit doesn't mean no requirements at all.
We're licensed in these two provinces only.
At least $400 per pay, from employment, benefits, or self-employment.
For e-transfer funding and EFT repayment.
A past, discharged bankruptcy is fine.
No. We do not perform a hard credit bureau inquiry that would impact your credit score during the initial application review.
Many customers with imperfect credit history, including past collections or a low credit score, have been approved. We focus on your current income and ability to repay, not your credit history.
No lender can legally guarantee approval, and neither can we. We still review your income, banking history, and ability to repay before approving any loan.
Our standard process does not include a hard credit bureau inquiry. If your situation requires further verification, we'll always tell you before taking any action that could affect you.
Yes. Since we don't rely primarily on credit history, applicants with thin or no credit files can still be considered, provided they meet our income and banking requirements.
Apply now — it's free, takes under 5 minutes, and there's no obligation.
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