Four steps, laid out in full
Here's exactly what happens between opening the application and seeing funds in your account, with nothing skipped over.
Fill in the form
Provide your income, banking, and identification details through the encrypted online application. Most fields take seconds each.
Get matched to a lender
Your application is routed to a licensed lender operating in your province, sized appropriately to the amount you've requested.
Review your offer
You'll see the exact cost of borrowing, repayment date, and any other terms before agreeing to anything. Nothing is hidden until after signing.
Sign and get funded
Accept electronically, and your lender sends approved funds by Interac e-Transfer, typically the same business day.
What we ask for, and why
Lenders need to confirm three basic things before approving any loan: who you are, that you have income coming in, and that you have an active bank account. That's why the application asks for identification, recent income details, and banking information — each piece maps directly to a legal requirement, not a data-collection exercise.
What happens if you're declined
If a lender can't approve your specific application, you'll be told plainly rather than left guessing. Common reasons include insufficient verifiable income or an inactive bank account; you're welcome to reapply once the underlying issue is resolved.
What you're never asked to do
You should never be asked to pay an upfront fee to “unlock” a loan, wire money to a stranger before receiving funds, or share your full online banking password rather than using a secure verification method. If anything like that happens, treat it as a red flag.
Quick questions about the process
Ready to start step one?
The form takes a few minutes to complete.