Need fast access to cash while receiving Old Age Security? Get up to $1,500 deposited directly into your bank account in as little as 20 minutes. Fully digital, same-day E-Transfer, no branch visit required.
Our online application takes only minutes to complete. Once approved, funds transfer directly to your account.
You must be a Canadian resident in an area we serve
You must be 65 years of age or older
You must be receiving Old Age Security (OAS) or other eligible regular income
You must receive at least $400 in regular income per period
An active Canadian bank account in your name
Your bank account must be open for at least 90 days
We believe in clear, upfront pricing. You will see the full cost before accepting the loan — no hidden fees, no surprise charges.
Borrow $500
Fee ($14 per $100) $70
Total to Repay $570
Example: $500 loan for 14 days. APR 365%. Min 7 days, Max 63 days.
Short-term borrowing made simple, fast, and transparent for seniors receiving Old Age Security.
Get approved in just 5 minutes with our streamlined application process.
Receive your money via E-Transfer within 20 minutes of approval.
Fully licensed lender in Ontario and Saskatchewan with secure data protection.
Borrow between $100 and $1,500 based on your income and needs.
Yes. We accept OAS as qualifying income. As long as you receive at least $400 per month and meet our other requirements, you may be eligible.
No. We do not perform a traditional credit check. Approval is based on your income source and bank history.
Once approved, funds are sent via Interac E-Transfer within 20 minutes during business hours.
Yes. If you receive multiple government benefit streams, we take your overall regular income into account.
You can borrow between $100 and $1,500, up to 50% of your monthly income.
Apply now and get up to $1,500 deposited to your account today.
Apply Now — It's FreeWe comply with all government regulations in our service areas
No refinances, rollovers, or extensions
Clear terms on payments, fees, and implications of non-payment
1. Minimum and Maximum Repayment Period
Loan repayment terms range from a Minimum of 61 days up to a Maximum of 63 days.
2. Maximum Annual Percentage Rate (APR)
The maximum APR is 365%, which includes interest and all applicable fees. Max 63 day loans.
Maximum allowable cost per $100 Borrowed $14.00 | Cost per $100 Borrowed $14
3. Representative Example of Total Loan Cost
Representative Example: Borrow $500 for 14 days. The total cost of borrowing is $70. Total repayment: $570. This includes interest and all applicable fees.
