Personal financing for bad credit

Unlike traditional lenders in Quebec and Canada, we do not do a credit check for your personal loans. This does not affect your credit report.

Here are the main conditions to meet to have your credit facility:

• 18 years or older.
• Residence address in Quebec
• Working phone
• Same job for 3 months or more
• Income of $300 per week or more
• It doesn't matter if your credit report is good or bad and regardless of your loan history!

To ask for a open credit, simply fill out the form and submit it online.

When you send in a request (fill the form and do the bank check), you will get a confirmation. One of our agents will then check the information you sent in to determine the amount of money we can open credit you without considering your credit score or the amount of payday loans you've already applied for like other lenders would when applying for loans.

You will receive an answer from us to confirm your status. If your situation meets the requirements, your request will be approved and your funds will be deposited in your account.

Are you ready to apply for a open credit?  Click HERE

Usually, the funds will be deposited before midnight if your application was completed AND the contract was returned signed before 2:30 PM (Mon-Fri). If it’s not the case, you must count 24 business hours for the transfer. Exceptions : when applications are sent in outside of regular business hours (weekends, evenings). Either way, it’s a much quicker process than applying for traditional loans.

Apply for a personal credit HERE

The funds can be employed for various purposes, and there are no specific restrictions on their use. Typically, our clients use the money to address financial emergencies such as bill payments, auto-related costs, mortgage payments, and unexpected expenses. Also, you have the opportunity to improve your credit score by repaying your loans and reducing your debt.

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. Based on this, traditional lenders decide whether to approve your personal loan application or not. 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. Need to pay off debts or make payments quickly? No traditional lender has accepted your personal loan request? With Creditmatik, we grant you personal credit, bad credit or not, and at advantageous interest rates! You will be accepted based on your reimbursement ability, with realistic and reachable standards.

Our rate is 18,99%, one of the most affordable and advantageous compared to other private lenders rates.

If your income is not enough and traditional loans are not accepted because of bad credit, the services offered by Créditmatik are there to help you with your money borrowing at a good interest rate!

We offer financial solutions from $500 to $1,500.

Only in certain cases, a confirmation of employment could be requested. This is done on a confidential basis and your employer will not be aware that you are searching for a personal loan.

Yes, we are! It means we are a verified lender.

A credit check means that an organization requests access to the information contained in your credit file (usually managed by Equifax or Transunion). This will then help the company make a decision about your creditworthiness to repay a certain amount and whether or not to accept your loan application. These credit inquiries can also affect your score.

The variable credit contract is the document we send you to confirm the agreement we make with our customers. The expression “variable credit” is different from “term loan”.
A credit facility means that our customer has access to funds he/she can use at their discretion and the payment of the used amount can be done in an anticipated manner
with no extra fees or penalties.

Apply for a financing solution HERE

Our rate is 18,99%, one of the most affordable and advantageous compared to other private lenders rates.
If your income is not enough and traditional loans are not accepted because of bad credit, the services offered by Créditmatik are there to help you with your money borrowing at a good interest rate!
Are you ready to apply for a personal credit?  Click HERE

You can ask for a deferral at least 72 business hours prior to your scheduled date.

Client Care
Monday to Thursday : 8am to 5pm
Friday : 9am to 4pm
Saturday : 9am to 5pm
Sunday : Closed

Perception Services
Monday: 8am to 6pm
Tuesday : 8am to 6pm
Wednesday : 8am to 8pm
Thursday : 8am to 6pm
Friday : 9am to 4pm
Saturday : Closed
Sunday : Closed

Weekly membership fee : $24.20 as long as there is an active balance

In your client portal. Get access by going to our website and click on Customer Access