Apply online and receive your loan by Interac E-Transfer within 20 minutes of signing your agreement. Available 7 days a week across Ontario.
Complete our 5-minute application at any time. Upload your 90-day bank statement and we'll do the rest.
Most applicants receive a decision within 5 minutes. We assess your income and banking history — not your credit score.
Once you sign your loan agreement, funds are sent via Interac E-Transfer within 20 minutes — 7 days a week.
Once you e-sign your loan agreement, we send your E-Transfer immediately — usually within 20 minutes.
Enable Interac auto-deposit with your bank and funds go straight to your account — no email acceptance required.
We process E-Transfers every day of the week, including weekends and most holidays.
Interac E-Transfer is Canada's most trusted payment network. Your funds and data are fully protected.
Must be 18+ and a Canadian citizen or permanent resident living in Ontario or Saskatchewan.
Employment, CPP, OAS, EI, ODSP, child tax, or other government benefits of at least $400/pay period.
A Canadian chequing account that's been active for at least 90 days with direct deposit history.
A valid email address and Canadian phone number to receive your approval and loan agreement.
We do not perform hard credit checks. Bad credit, no credit, or previous debt is not a barrier.
Maintain at least $200 in your account on your next payday to ensure smooth repayment.
Regulated maximum cost in Ontario and Saskatchewan. No hidden fees, ever.
Loans up to 62 days. No rollovers or extensions permitted by law.
On the representative $500 / 62-day loan, cost of borrowing is $70, total repayment $570.
Cost of Borrowing