Loan without credit check
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**Cette information vous est fournie pour fin d’exemple uniquement et considère que les sommes empruntées ont été remboursées en totalité selon le calendrier qui a été convenu, ce sans qu’aucun nouveau retrait ou réemprunt n’ait été effectué avant le remboursement intégral. L’exemple ci-haut inclut des frais d’adhésion hebdomadaires d’un montant de 20$, lesquels doivent être payés par le client tant que le crédit n’est pas remboursé en entier.
- 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 cash loan 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 loan, 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 loan 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 loan 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 loan now.
Quick: get your money today*.
AutomatiK: no credit check!
- Get your loan 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 loan? We don’t do a credit check or even ask for access to your credit report. Your loan application will not affect your credit report. Your chances of getting a loan 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.
What are the Interest Rates Every Year (Annual Interest Rates)?
We work with dependable financial institutions that offer 22% annual interest rates.
Example of a Loan
A withdrawal on your $ 750 facility with bi-weekly drawdowns and 10-installment amortization would cost you $ 119.48 per payment
This information is given for descriptive purposes only and considers that the withdrawal made is refunded in full according to the agreed repayment schedule, without any new withdrawal or re-borrowing being made before full repayment.
The example above assumes a weekly membership fee of $ 20, which must be paid by the client as long as there is a balance owing on the credit facility.
The amount of the membership fees may change at any time and Prêt Instant reserves the right to modify them, their allocation, computation and the terms and conditions relating to any new facility granted.
The above example does not include any administration fees, carry-forward fees, fees for withdrawals refused by your financial institution, re-borrowing costs, maintenance fees or any other fees that may be imposed in connection with the occurrence of a default or your management and use of your 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: If the debtor would like to defer a payment to later than the date agreed upon in the original agreement, an administration fee of $ 10.00 will be charged. In order to defer a payment, the debtor must inform the lender at least 72 business hours before the date of collection.
Other Services and Conditions
Renewal: Loans are not renewed automatically. Loan renewals can only be made after the customer has submitted a request and it has been approved by our company
Amortization schedule: Any initial withdrawal on your facility will be amortized according to an equal and consecutive payment schedule allowing full repayment of amounts due over periods ranging from three to six months. Thereafter, any re-borrowing on the availability of your credit facility will be added to the principal then remaining due on any previous withdrawal and a new amortization schedule will then be agreed to amortize the repayment on a predetermined number of equal payments and the same will be true of any subsequent re-borrowing.
Collection and Credit Score
Our company is in compliance with Canadian laws, regulations and legal standards. If a particular situation arises during your repayment period, our collection department will establish a repayment agreement with you based on your situation. Should the debtor default on one of any repayments under this contract, the creditor can demand full payment of any outstanding balance, capital, interest and costs. All judicial and extrajudicial costs that could be reasonably incurred by the creditor as a result of defects in a contract by the debtor, will be claimed and returned to the creditor from the debtor.
In the event that no payment agreement is possible between the debtor and the creditor, the creditor may assign the file to a collection agency, which may affect the debtor’s credit rating/score.
* The money will be deposited in one hour if your application is complete, if it was done during business hours, and if we can verify your information.
** Repayment of a minimum amount each pay. If no remittance of capital is made and there is no payment incident (NSF, stopped payment, non-payment, payment report, etc.), you can repay your loan according to the number of days indicated by making the minimum required payments. Repayment includes subscription fees and interest (read the details).