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How it works

From application to deposit in your account: a simple, fast and transparent process, with no credit check.

Person completing their online application on a laptop

The process

Four steps, zero paperwork

1

The online application

Answer a few questions: amount, source of income, bank account. Two minutes, from your phone or computer.

2

IBV verification

You receive a secure link for Instant Bank Verification. It confirms your income with no documents and no credit check.

3

Review and answer

Our team reviews your file and gets back to you quickly, with clear loan conditions.

4

Direct deposit

You accept the offer, sign electronically, and the funds are deposited directly into your bank account.

Why is it so simple?

Because we are a direct lender. There is no middleman, no broker, no file passed from one company to another. The people who receive your application are the ones who approve it and send the funds.

And because Instant Bank Verification replaces the paperwork: no pay stubs to photograph, no statements to send, no waiting for an agent to check them by hand. See how IBV works.

"An application in the morning, an answer the same day in most cases."

Before you start, have on hand:

  • Your bank (secure login for IBV)
  • Up-to-date contact details (email and phone)
  • An idea of the amount you really need
Reminder: you must receive a regular paycheque from an employer by direct deposit and have a bank account open for at least 3 months. Check eligibility.
Start my application

Ready to apply?

Two minutes, a few questions, no credit check. You will know right away if you qualify.