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Debt consolidation loan

Combine several payments into one loan that is simple to manage. No more multiple due dates and interest piling up on every side.

Person relieved by a single simplified monthly payment

Eligible debts

  • Credit cards
  • Lines of credit
  • Existing personal loans
  • High-interest debts

The benefits of consolidation

  • One monthly payment, easy to track
  • Better financial organization
  • The possibility of paying less interest each month
"Simplify your finances with a single payment."

How it works

Answer a few questions online (two minutes, no documents). Your income is verified securely with Instant Bank Verification (IBV), with no credit check. If your application is approved, the money is deposited directly into your account.

And you stay in control the whole way: you see your offer in writing before signing anything, and you are free to say no. See the detailed process or the eligibility requirements.

Our promises to you

  • No hidden fees. Everything is in writing before you sign, in plain language.
  • No credit check. Your credit score is never consulted and never affected.
  • No obligation. You see your offer first, then you decide. Walking away costs nothing.
  • Your data stays safe. Bank-level encryption, and your banking password is never shared with us.

Available amounts

From $500 to $1,500

Choose the amount that matches your real need. A smaller amount is repaid faster and costs less.

$500$750$1,000$1,250$1,500
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Eligibility: regular paycheque from an employer (full-time or part-time), direct deposit, bank account open for at least 3 months, 18 or older. All the details.

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Two minutes, a few questions, no credit check and no obligation. You will know right away if you qualify.

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Rates & disclosures

Cost of borrowing, in full

Required information about our loans so you can make an informed decision, before you apply.

Maximum annual percentage rate (APR)

Our maximum annual interest rate is 19.99%. In the event of non-payment, the applicable rate on the overdue amount is 1.67% per month.

Repayment period

Loans are repayable over a minimum of 61 days and a maximum of 6 months. You can make a full or partial repayment at any time, with no penalty.

Representative example of total cost

Loan amount$500 CAD
Annual interest rate19.99%
Term90 days
Total repayable$524.65 CAD
Payments$174.88 / month, for 3 months

A $500 loan may be paired with optional services, which are entirely optional. Subscribing to these services is not required to obtain the loan and has no effect on the credit decision or loan terms. If you choose to opt in, optional service fees may apply and are payable bi-weekly over 6 installments, separately from loan principal and interest. Example: a payment of $145.59 bi-weekly, for a total of $873.54, including optional service fees. Optional services are provided by a separate entity, which sets its own fees independently of loan interest.

Borrow responsibly. While we offer a helpful option when you need it, our interest rate is higher than a local bank's. Use short-term loans only when no other option is available, and as rarely as possible. Taking on several short-term loans at the same time can lead to serious financial difficulty and excessive debt.