Frequently asked questions

The maximum amount for a personal loan depends on your income and repayment capacity. Generally, we can grant loans up to CAD50,000 for individuals with stable income and good credit history.

For larger amounts, we offer specific solutions tailored to your situation. Contact our advisors for a personalized study.

The interest rate is calculated based on several factors:

• Your credit profile and repayment capacity
• The loan amount and duration
• Current market conditions
• The purpose of the loan

Our rates are competitive and transparent, with no hidden fees. You will receive a detailed simulation before any commitment.

The maximum duration depends on the type of loan:

• Personal loan: Up to 84 months (7 years)
• Mortgage loan: Up to 25 years
• Business loan: Up to 10 years
• Auto loan: Up to 60 months (5 years)

We recommend choosing a duration that matches your repayment capacity.

Yes, early repayment is possible for most of our loans. The conditions vary depending on the type of loan:

• Personal loans: No early repayment penalty
• Mortgage loans: Possible with a small administrative fee
• Business loans: Conditions specified in the contract

Contact us to discuss your specific situation.

The main eligibility requirements are:

• Be at least 18 years old
• Have a stable source of income
• Have a valid ID
• Have a bank account in your name
• Reside in our service area

Additional requirements may apply depending on the type of loan and amount requested.

There is no fixed minimum income requirement. We evaluate each application individually based on:

• Your total income (salary, benefits, other sources)
• Your current expenses and financial commitments
• The loan amount requested
• Your repayment capacity

We use a comprehensive approach to ensure the loan is adapted to your financial situation.

Yes, we conduct a credit check as part of our evaluation process. However, we take a comprehensive approach:

• We consider your overall financial situation
• We understand that everyone can have temporary difficulties
• We evaluate your current repayment capacity
• We offer solutions adapted to different situations

Even with a less than perfect credit history, we encourage you to contact us to discuss your options.

Yes, self-employed individuals and freelancers can apply for loans. The required documents may include:

• Last 2-3 years of tax returns
• Business financial statements
• Bank statements for the business
• Proof of business registration
• Professional references

We understand the specificities of self-employed work and adapt our evaluation accordingly.

The processing time varies depending on the complexity of the application:

• Simple personal loans: 24-48 hours
• Mortgage loans: 5-10 business days
• Business loans: 7-14 business days

We strive to provide a quick response while ensuring a thorough evaluation of your application.

The basic documents required are:

• Valid ID (passport or national ID card)
• Proof of address (less than 3 months old)
• Last 3 pay slips or proof of income
• Bank statements (last 3 months)
• Proof of employment or professional activity

Additional documents may be requested depending on the type of loan.

Yes, we offer a complete online application process:

• Online form with secure data transmission
• Document upload via our secure platform
• Electronic signature of contracts
• Online tracking of your application

You can also choose to visit our agency for a face-to-face meeting if you prefer.

Once your loan is approved and the contract signed, the funds are generally transferred:

• Personal loans: Within 24-48 hours
• Mortgage loans: Within 3-5 business days
• Business loans: Within 5-7 business days

The transfer is made directly to your bank account. You will receive a confirmation by email or SMS.