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Personal financing for bad credit

Get between $500 and $1,500 today*.
directly in your bank account

Apply for an open credit ! 1-866-69MATIK (62845)

Solution whatever your credit score report

Whatever your credit report, Creditmatik is your short term financing solution, with no credit score check! Borrow between $500 and $1,500 despite your credit history!

  • Etablish a personnalized financial plan with our agents and your money will be deposited in your bank account in 24 hours.
  • Paperless solution
  • Takes two minutes to apply

Consolidation benefits

  • Peace of mind
  • Easy to deal with
  • Easy financial plans
  • Pay all your loans with one transactions

"What is a credit score and the effects of bad credit"

For each check, credit bureaus like Equifax or Transunion in Quebec and in Canada will etablish a score for your record. This means bureaus will decide of a score depending on your ability to borrow money. Usually, we consider a bad credit when the score is lower than 560. Being a riskier applicant can lead to high interests rates on your credit cards and loans or even a refusal with financial institutions, employers and landlords. With Creditmatik, you can borrow even if you have a low credit score!

We understand that some times might be harder and can have effects on your personnal finances. We're here to help put you back on track. You will be accepted based on your reimbursement ability, with realistic and reachable standards.

At Creditmatik, borrow money despite your bad credit score

Amount needed...

CA$500
CA$750
CA$1,000
CA$1,500

Pay period...

Week
2 Weeks
Month
Minimum repayment per pay
CA$115 **
Repayment period: approximately
98 days
Ask for your ease
right now !

** 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.

Nothing easier!

  • Obtain your personnal financing without having to print or send anything
  • Stay in the comfort of your home to apply for your open credit.
  • Only takes few minutes to apply for your money!

Nothing quicker!

At Creditmatik, we understand your urgent need for money. That's why as soon as we receive your application, we immediatly analyse and verify so that your funds will be in your account as soon as possible!

  • Direct and quick deposit so you can pay your bills on time and avoid penalities.
  • Get your money in less than 24 hours!
Bad credit report?
Apply for your loan and get the money today*
01
Apply online
  • 2 minutes.
  • No documents to print.
02
Get your answer
  • No credit check.
  • All credit reports accepted.**
03
Enjoy your money
  • Today.*
  • Direct deposit in your bank account.

Our annual interests
Annual interest rate of 18,99%

Amortisation calender
We determine your minimum payments together, according to your reimbursement capacity and the period during which you want to payback your facility’s balance

**. Membership fees are payable as long as there is a balance owing on your credit facility.

Repayment Period
Our variable credit facilities are usually repaid in 3 to 6 months. We strongly suggest that you think of your needs and not apply for a higher sum than necessary. For example, if you wan to use our credit facilities, you can use this model : a withdrawal of $750 with bi-weekly repayments of $121.01 will take 10 installments.
This information is an example and considers that the money used at the time of the first withdrawal has been paid back in full before making another cash advance. In the example above, the $22.75 membership fees are included in the repayment amount.
Our credit facilities have flexible repayments, according to the terms of our client convention and can be repaid before the average 3 to 6 months in which they are usually repaid. You can choose to pay a partial amount or the whole balance at any time.

Financial accompaniment and credit score
Our company complies to canadian legal norms. If a special situation arises during your use of a credit facility, our service team is available to assist you in making the changes you need.
The transactions taking place on your credit facility do not affect your credit rating in either a positive or negative way because we do not report to credit bureaus.

*The Annual Percentage Rate (APR) varies between 130% and 250%, according to the credit facility limit and the repayment term.
** The repayment amount cannot be lower than 5% of the credit facility’s initial balance.
***Our product is geared towards ponctual use and reimbursement over a period of a few weeks.

Apply for your loan
Easy. Fast. AutomatiK