Apply for no credit check loans online and anywhere in Canada
Your Past shouldn’t affect your Future
We believe that past mistakes should not affect your ability to get a loan, that’s why all loans made with us require absolutely NO credit checks.
WHY CHOOSE US?
Confidentiality. Your privacy is our top priority and all sensitive information is kept safe at all times.
Bad Credit, No Credit OK! Our vast network of lenders are open to assisting people with less than stellar credit ratings to secure a loan for you.
WHAT IS A CREDIT CHECK?
When you apply for a loan, lenders evaluate different criteria, your credit score included, before making a decision on whether you’ll get approved or not. Along with the credit histories of millions of other people, your credit history is recorded in files maintained by at least one of Canada’s major credit-reporting agencies: Equifax Canada and TransUnion Canada. It is possible to obtain your credit file for free. Please consult the agencies’ websites in order to obtain more information.
HARD INQUIRY CREDIT CHECKS CAN AFFECT YOUR CREDIT SCORE.
The terms “hard pull” and “soft pull” are very generic terms that describe different features offered by the credit bureaus. “Hard pull” and “soft pull” each refer to a specific kind of credit report check offered by the bureaus. In general, the big difference is that hard pulls are ones where you’ve granted permission, they indicate that you’re actively seeking credit, they show up on your credit report for everyone to see, and they tend to have a slight negative impact on your credit score.
A soft credit check, on the other hand, doesn’t require your permission, doesn’t indicate anything about your interest in seeking credit, only shows up on the credit report you see, and has no impact on your credit score.
WHY USE NO CREDIT CHECK LOANS?
Since no credit check loans are based on your current income level and not on your past credit history, approvals are immediate as long as you submit all the documents required during your application and show that you have the ability to pay.
Fund transfer time-frame:
If online applications are completed before 11:00 A.M. EST, expect the funds to be wired directly into your bank account on the same day. Applications done after 11:00 A.M. can expect a full 24hrs to receive the funds.
FREQUENTLY ASKED QUESTIONS…
What information is kept in my credit file?
Your credit file contains information on all of your credit accounts submitted to the credit bureaus, including balances, limits, payment history, etc, as well as identification information such as your name, address, age, social insurance number, marital status, spouse’s name and age, number of dependents, occupation, and employment history.
Got any questions?
We’d love to hear from you! Give us a call at 1-514-344-1499
or send us an email with your questions at firstname.lastname@example.org
and we’ll be more than happy to help. For more information, you can also check out our FAQ page.
Always remember to be financially responsible and use cash advances to save money by avoiding late fees or overdraft charges.