Open credit without credit check
Play the video
** This information is provided to you for illustrative purposes only and considers that the borrowed sums have been repaid in full according to the schedule that has been agreed, without any new withdrawal or re-borrowing having been made before full repayment . The example above includes a weekly membership fee of $ 22.75, which must be paid by the customer until the credit is repaid in full.
- Apply online in 2 minutes
- AutomatiK transfer of documents.
No papers to print.
- Electronic signature in 1 seconde
“I don’t want anything complicated”
Applying for your open credit takes only 2 minutes. Everything is done online and by phone. You don’t have to go anywhere to sign your application. With our paperless financing solution, you won’t have to send any documents!
Your documents, contract and account status are always available in your secure client area. You can pay off the balance of your personal credit in full at any time, without penalties or additional fees.
Easy: two minutes and its done!
- No need to go anywhere to apply or sign.
- Direct deposit in your bank account.
- Money received today*
“I need cash quickly. Very quickly.”
Once your Open credit application is complete and verified, we will deposit your money directly in your bank account. Most customers get their money the same day*. Apply for your quick open credit now.
Quick: get your money today*.
AutomatiK: no credit check!
- Get your financing solution without a credit check.
- AutomatiK verification of your banking information.
- Result: your money deposited in your bank account today*.
“My credit report isn’t very good...”
… Will I still get my open credit? We don’t do a credit check or even ask for access to your credit report. Your open credit application will not affect your credit report. Your chances of getting a personal credit are very good if:
- You’ve had the same job for 3 months or longer.
- You earn 300 dollars or more per week.
- You have a working telephone number.
- You live in Quebec and are 18 years or older.
- Your credit report is not even considered!
Easy. Quick. AutomatiK.
Annuel interest rate of 18,99%
If you wish to use one of our credit facilities, you can use the following payment model as a guide : a withdrawal of 750 $ on your facility with bi-weekly payments of 121.01$ will take 10 installments.
This example is given as an example only and considers that the initial withdrawal has been entirely refunded to the credit facility before using another credit amount. In the example above, the weekly 22.75$ membership fee is included in the repayment amount.
We determine your minimum payments together, after having looked at your financial capacity to repay and the time during which you want to make installments*. Membership fees are applicable as long as there are used funds on the credit facility.
In Case of Default
NSF: A fee of twenty five dollars ($25.00) will be charged for bounced cheques and also charged in the case of bounced pre-authorized payments. Your financial institution will also charge you an NSF fee for any bounced payments
Deferral of Payment: In order to defer a payment, the debtor must inform the lender at least 72 business hours before the date of collection.
Cash advance: open credits are not renewed automatically. Cash advance can only be made after the customer has submitted a request and it has been approved by our company
Credit score and financial support
Our business model complies to Canadian legal norms. If a particular situation arises during your use of the credit facility, our service department is there to help you out with payment deferrals, making modifications or other needs you might have.
The transactions made on your credit facility do not affect your credit score in a positive or negative way, because we don’t communicate with the credit bureaus.
* The payment amount cannot be lower than 5% of the amount used on your credit facility.