Home › Apply
A few questions to check your eligibility. No credit check, no documents, no obligation. You can stop at any time.
Choose the amount that matches your need. Tip: borrow only what you really need.
Our decision is based on the stability of your income, not your credit score.
Direct deposit is required for the secure bank verification (IBV).
Where you receive your paycheque.
Fill in your details and we'll take you straight to the secure bank verification. Still no credit check and no obligation.
At this time, we can only approve applications from individuals who receive a regular paycheque from an employer, either full-time or part-time, through direct deposit into their bank account.
At the moment, we're unable to accept applications whose main income comes from:
These income types aren't compatible with the Instant Bank Verification (IBV) process we use to assess repayment ability.
We know this can be frustrating, but we prefer to be transparent upfront: this helps avoid wasted time for you.
At this time, we can only review applications from people who receive their pay by direct deposit into their bank account.
If you're paid by cash, cheque, or any other method, we unfortunately can't verify your income automatically through the Instant Bank Verification (IBV) system, which is our only approval method.
We prefer to be upfront about this to save you time and avoid any frustration later in the process.
To qualify, your main bank account must have been active for at least 3 months, with regular income deposits showing in your transaction history.
If your account is brand new or has been open for less than 3 months, we can't properly verify your income stability through the Instant Bank Verification (IBV) system.
Once your account reaches 3 months of activity, you'll be eligible to reapply and we'll be able to process your application right away.
We prefer to be transparent now to avoid wasted time.