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 application 100% online. No paper documents or face-to-face 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 focus on the present, not the past, when you make a request. Get your loan the same day, safely and quickly!
The financial institutions we work with offer an annual interest rate of 24%, but the official agent and broker may charge the customer additional fees, which vary from case to case, for their services in preparing, assembling, monitoring and managing the application and file. These fees are determined by the agent and are independent of the interest rates charged by the lender.
We work with the best financial institutions to offer you an annual interest rate of 24%. Additional fees may be charged to cover the preparation, assembly and follow-up of the application and management of the customer file.
The repayment terms for our loans range from 2 to 4 months, depending on the loan amount.
It’s important to respect your agreement and honor your payments on time. This will allow you to easily obtain a loan renewal, as well as the possibility of increasing the amount of your next loan.
In the event that you miss a payment, one of our agents will contact you to inform you and resolve the situation. The collection agent will work with you to determine when the missed payment will be deducted from your account. A $50 fee will be added to the end of your payment schedule. If more than one payment is missed, or if you do not respect your agreement, your file will be transferred to a collection agency.
As an example, a loan of $500 payable every 2 weeks and repaid in six installments will result in a payment of $136.27 per installment, for a total amount of $817.65, including interest charges of $17.65, as well as brokerage fees and additional charges that may arise in the event of deferred or refused payments. It is important to note that this example is provided for information purposes only and should not be construed as an actual loan.
