To be aged 18 or older
To be a Canadian citizen or resident
To have stable employment for at least 6 months
Receive a paycheck through direct deposit in Canada
Loyalty Program: a discount will be offered as a loyalty reward when renewing your loan.
One of the most affordable repayment options on the market.
Quick response to inquiries.
Professional and personalized customer experience.
We process your request 100% through an online process. No paper or in-person meetings are required.
You won't need to send any paper documents; the IBV system ensures the security and confidentiality of your data.
Apply for a quick loan in just 5 minutes, get approval within minutes, and receive your loan the same day.
We look at the present, not the past, whenyou apply. Get your loan the same day, safely and quickly!
The financial institutions we collaborate with offer an annual interest rate of 24%, but the official agent and broker may charge additional fees to the client, which vary depending on the client’s profile, for their preparation, arrangement, monitoring, and management of the application and the file. These fees are determined by the agent and are independent of the interest rates charged by the lender. We collaborate with top financial institutions to offer you an annual interest rate of 24%. Additional fees may be charged to cover the fees for the preparation, arrangement, monitoring of the application, and management of the client’s file.
The repayment terms for our loans range from 2 to 4 months, depending on the loan amount.
It is important to adhere to your agreement and make your payments on time. This will allow you to easily renew and potentially increase the amount of your new loan.
In the event that you miss a payment, one of our agents will contact you to inform you and address the situation. The collection agent will work with you to determine the day on which the missed payment will be rescheduled from your account. A fee of $50, which will be added to the end of your payment schedule, will be charged. If multiple payments are missed or you do not honor your agreement, your file will be transferred to a collection agency.
As an example, a $500 loan payable every two weeks and repaid in six installments will result in a payment of $136.27 per installment, for a total amount of $817.65, including $17.65 in interest fees, as well as brokerage fees and any additional charges that may occur in the case of deferred or declined payments. It is important to note that this example is provided for informational purposes only and cannot be considered as an actual loan.
