How It Works · 100% Paperless Canadian Process

From Online Application To Interac E-Transfer In 3 Simple Steps

We removed every slow, outdated barrier from Canadian personal lending. No branch appointments, no fax machines, and no hard credit checks—just fast, transparent funding when you need money today.

STEP 01

Takes 3–5 Minutes

Complete Our Simple Online Form

Select your desired loan amount ($300 to $3,000 CAD) and enter your basic contact, residency, and employment or benefit income details. Our form works 24/7 on any smartphone, tablet, or computer—with zero physical paperwork.

No Equifax or TransUnion hard credit pull

Available 24/7 including evenings and weekends

First-time borrowers qualify for $300 to $1,000 (up to $3,000 on repeat loans)

STEP 02

Takes 60 Seconds

Automated Instant Bank Verification (IBV)

Instead of asking you to print, scan, or email PDF bank statements and pay stubs, we use bank-grade 256-bit read-only Instant Bank Verification. This confirms your 90-day steady income and active Canadian bank account in real time.

100% read-only snapshot—passwords are never stored

Compatible with all major Canadian banks & credit unions

No awkward phone calls to your employer

STEP 03

Within 60 Minutes

E-Sign Your Agreement & Receive Interac E-Transfer

Once approved, review your clear digital loan contract showing your exact installment dates and total repayment amount. Sign electronically with a single tap and receive your funds directly via Interac e-Transfer within 60 minutes.

Direct deposit via Interac e-Transfer (Autodeposit supported)

Repayment dates automatically synced with your paycheques

Pay off early anytime with $0 prepayment penalty

Eligibility Checklist

Who Qualifies For An Online Loan?

If you can answer “Yes” to these four questions, you are ready to apply right now:

18+ Years of Age

You must be at least 18 years old (or the age of majority in your Canadian province of residence).

Canadian Residency

Hold a valid residential address in a participating Canadian province (ON, AB, BC, NS, MB, SK, NB, NL, or PEI).

Steady 90-Day Income

Demonstrate consistent income for at least 3 consecutive months from employment, self-employment, or eligible government benefits.

Active Canadian Bank Account

Maintain an open Canadian chequing account with at least 90 days of transaction history and Interac e-Transfer capability.

Coast-to-Coast Coverage

Provincial Limits & Funding Speeds

Loan availability and terms adapt automatically to your province of residence:

Province	First-Time Tier	Repeat Limit	Disbursement
Ontario	$300 – $1,500	Up to $3,000	Instant 60-Min E-Transfer
Alberta	$300 – $1,500	Up to $3,000	Instant 60-Min E-Transfer
British Columbia	$300 – $1,500	Up to $3,000	Instant 60-Min E-Transfer
Nova Scotia	$300 – $1,200	Up to $3,000	Instant 60-Min E-Transfer
Manitoba	$300 – $1,200	Up to $3,000	Instant 60-Min E-Transfer
New Brunswick	$300 – $1,200	Up to $3,000	Instant 60-Min E-Transfer
Saskatchewan	$300 – $1,200	Up to $3,000	Same-Day E-Transfer
Newfoundland & Labrador	$300 – $1,000	Up to $2,500	Same-Day E-Transfer
Prince Edward Island	$300 – $1,000	Up to $2,500	Same-Day E-Transfer