no credit check loans

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.



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.


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.


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.


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.


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.

What can I use my no credit check loans for?

No credit check loans can be used for a number of things. The most common are: a bill payment, an unexpected expense, a weekend getaway, or avoiding an NSF charge.

When will I hear from you?

Once the online application has been submitted an agent will be contacting you, by phone or e-mail, within one hour to address your application and facilitate the application process. Business hours are Monday to Friday between 10:00 A.M. and 6:00 P.M. (EST). For applications submitted after hours we will contact you first thing the next business day.

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
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.

Get your Loan now! What are you waiting for?