Bad Credit? We’re here to help when the bank says no!

We know how important it is for you to have control over your finances. With a no credit check loan from us, you can get the money you need quickly and easily – without having to go through the bank and having to worry whether or not they will lend you money. We offer Canadians a bad credit personal loan when they need it the most: We want to help you get back on your feet, without upfront fees!

Get the money you need – without any hassle! We are here when you need to cover:

Emergencies and Medical Bills

We are here to get you out of a financially tough spot immediately. Cover medical and emergency bills with our emergency loans.

Rent and Utility Bills

You find it hard to rest at home because your unpaid rent and utility bills are on your mind? You can free yourself from these financial burdens with our online Microloans!

Unexpected Expenses

Your car broke down? Your children’s school laptop broke? Our Payday loan allows you to borrow money before your next paycheck arrives!

Why choose us?

There are many reasons why our team is in high demand when Canadians need a short-term financial solution. We work with licensed private lenders, which means we can offer more flexible and less expensive options than a conventional payday loan. Good credit, bad credit, it doesn’t matter – we can help you get the money you need fast:


  • Fast and simple 3-step application process.
  • No credit checks or upfront fees.
  • Surprise free system.
  • Money directly into your bank account via Interac e-transfer.
  • Fast processing – you can expect your money to arrive within 24 hours.
  • Excellent costumer service.
  • Over 12 years of experience.

Approved loans

Years in Business

Happy clients


Talk to one of our experienced brokers today?

Types of Loans we offer

No credit check loans

A no credit check loan is a type of loan where the lender does not check your credit score in order to determine your creditworthiness.

This means that even if you have a bad credit score, you can still apply for this type of loan and be eligible for it. No credit check loans are a great substitute for traditional loans from big financial institutions like banks.
This type of loan is based on your current income and not on your history, which is why it is categorized under short-term loans. All you have to do is show that you can pay and receive your money immediately.
This kind of loan is ideal for those who need money fast and do not have the time or the ability to go through a traditional loan process.

Payday Loans

A payday loan is a type of short-term loan that is typically used to cover unexpected expenses or urgent financial situations. The loan allows you to borrow money against your next paycheck, and you typically have to repay the loan within a few weeks.
Payday loans are typically processed quickly, and you can usually receive the money within 24 hours. To apply for a payday loan, you will need to provide some basic information, including your employment history and income, as well as your bank account information.

Some of the benefits of payday loans include:

– Quick and easy approval process

– No collateral required

– No need for a credit check

– Fast access to cash



A microloan is a short-term personal loan providing upfront cash based on the borrower’s expected future income. The loan is typically repaid with interest on the next payday. Microloans can be used to cover unexpected expenses, such as emergency car repairs or medical bills. They are also sometimes used to cover living expenses, such as rent or utility bills.

Payday loan lenders offer Microloans to borrowers who need money in a hurry. The application process is typically quick and easy, and the funds can be deposited into your bank account as soon as the next business day. Interest rates on Microloans are typically higher than those for traditional loans, but they can still be a helpful way to get the money you need when you need it.

Emergency Loan

Unexpected situations, such as a medical emergencies, often have you wondering how you’re going to pay your bills – And not everyone has an emergency fund available for these situations:

One option that may be available to you is a short-term or emergency loan. These loans are typically smaller amounts of money that can be used to cover unexpected expenses.

We offer loans between 300$-3000$ to cover unexpected emergencies such as medical issues or other financial expenses.

What do I need to qualify for a bad credit loan?

If you live in Canada and have a bad credit, you may be worried that you won’t qualify for a loan. But at, we specialize in helping people with bad credit get the loans they need!

All you need in order to qualify is to:

  1. – Be a Canadian citizen
  2. – Be over 18 years old
  3. – And lastly, not be in bankruptcy


I fulfill all these requirements – what now?


Get your bad credit loan in three steps!

Need to borrow money fast? Take advantage of our fast and simple 3-step process which and save serious time and travel!  Receive your bad credit loan within the next 24 hours!

1. Send us your information

Fill out our short application and wait for a reply.

2. Receive your approval

You will receive a loan agreement directly after your application was approved. Once you sign and return it, we will instantly send you your money.

3. Get your money

The loan will be deposited directly into your bank account via Interac e-transfer.

What are the conditions to apply?

Even though we do not perform credit checks and our loans are easier to obtain than the ones traditional banking institutions offer, our clients still need to meet certain criteria:

  • A checking account that has a history of 3 months or more. We use this info to check whether a client can repay a credit or not.
  • A fulltime job for 3 months or more.
  • 3. If you filed for bankruptcy/consumer proposal in the past, you must be liberated.

We will also ask you to submit a photo identification (to prevent identity theft) and a proof of your address (can be shown via a utility bill or rental agreement)

Is there a credit check? believes everyone deserves a fair chance when it comes to mastering financial hardships. This is why we do not require credit checks in order to obtain a loan!

When can I expect my loan to arrive?


Depending on the time of the application, it can take up to 24 hours for the money to arrive into your bank account.

Areas served

  • British Columbia
  • Sasketchewan
  • Manitoba
  • Quebec
  • Alberta


  • Ontario
  • Nova Scotia
  • New Brunswick
  • Prince Edward Island

What can a bad credit loan in Canada be used for?


Many Canadians will find themselves in a financial tough-spot at some point in their life – especially after the global pandemic, many are looking for a little help; We believe that a bad credit should never get in the way of that.
We also believe in easy and fast processing, great costumer support and accessibility.

Our big selection of short term loans offer the solution you might be looking for if you ever find yourself facing unpaid bills or emergencies that require a little financial aid!

Listed below are some of the most frequent use cases of our loans:

Car Payments/Repair Costs

Things break – unfortunately this also includes cars, laptops, phones or important things in our home that are of everyday use which need immediate fixing. Unfortunately sometimes those repairs end up being more expensive than expected and you can not afford falling behind on certain payments – this is where our Micro Loans come into play. Micro loans are short term loans that require no credit check and are usually very fast when it comes to processing and delivery. This makes them the perfect solution for unexpected expenses such as a broken car. 

To avoid headaches and stress with the land lord, we all have to pay our rents.  Sometimes you might have to use a part of the supposed rent money for other expenses and then you might risk missing a payment, which can have a negative effect on your credit.
Fortunately our payday loans offer a quick help. They allow you to borrow any amount between 300$-3000$, so paying your rent won’t be an issue.

Medical Bills
Whether this concerns you, a family member or a pet – unexpected high medical bills can be a scary experience that have you worrying and stressing. We would like to help you avoid these kinds of feelings with our emergency no credit check loans for Canadians. Unlike a bank, we will not require to perform a credit check or need you to provide countless documents. You can simply access our loans online via our website and receive your money within 24 hours.

Gifts or Holidays

Sometimes all we want to see is the smile of a loved one – when holiday season comes around or a special occasion with our partner, we all want to make sure to do something special for them – whether this is in form of a gift or a little holiday. If you feel like these things might overextend your finances a little too much this time and you don’t want to put yourself at risk of not being able to pay other important bills, our short term loans might be ideal for you as they allow you to borrow money until your next paycheck is due.

Put you & your finances in good hands!

Get In Touch with one of our experienced brokers today!