Your alternative to payday loans in Quebec

When money is tight and payday feels too far away, CreditMatik helps you handle urgent expenses with short term financial support. We offer a simple and accessible solution that works as an alternative to payday loans in Quebec, with cash amounts up to $1,500. There is no credit check, no paperwork and no hidden fees. Whether you are dealing with an unexpected bill or a temporary gap in income, the process is fast, secure and fully online.

How to access our payday loan alternative

01

Become a member

Activate your membership to access our financial services and exclusive benefits.

02

Apply online

Choose your desired cash amount. It only takes 2 minutes and it's 100% online.

03

Instant Bank Verification (IBV)

Safely connect your bank account to validate your information.

04

Get your money

Approved within 1 hour, deposited directly into your account.*

* Some conditions apply. Your application must be completed and approved before 2:30 p.m. Credit approval is not guaranteed.

All you need to know about our payday loan alternative solution

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To qualify for our payday loan alternative, you must meet the following basic criteria: - Be at least 18 years old. - Reside in Quebec. - Be employed for at least three months and/or receive an eligible income. - Receive your income via direct deposit in a Canadian financial institution. - Not currently in bankruptcy or insolvency. - Have a minimum gross monthly income of $1,500.
We accept a wide range of income sources, because financial stability can take many forms: - Employment income - Parental insurance (RQAP) - CNESST (workplace accident compensation) - SAAQ (road accident compensation) - Solidarity benefits (disability or basic income) - Pension plans - Self-employment income - Government pensions (PSV, SRG, CPP) - Employment insurance (EI)
Yes, absolutely. We don’t judge your financial past. We never run credit checks, your current ability to repay is what matters. Our goal is to provide fast, accessible funding, even if your credit score is low and traditional lenders refused your loan application. We guarantee it: no application will be refused because of bad credit.

Need money quickly?

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Why choose CreditMatik for your payday loan alternative solution?

If you’re considering payday loans, CreditMatik offers a responsible and flexible alternative that gives you access to short-term funding in Quebec without the stress or complexity of traditional lenders :

- Trusted lender : with over 1,000 reviews and an excellent rating on Google, CreditMatik is a trusted lender in alternative financial services.

- Quick access to funds: most approved members receive their cash within hours via Interac e-Transfer.

- No credit check required : our approval is based on your current ability to repay, not your credit history.

- No impact on your credit score : our process doesn’t affect your credit file in any way.

- No paperwork : our process is 100% online, quick, and secure. No documents to print, scan, or upload.

- Canadian company : We support people in Canada and Quebec regardless of their financial background.

Questions? Consult the FAQ

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I need …

I receive my salary every …

dollarMinimum repayment per paycheck117 $*
dollar Repayment in 98 days

* Indicative amount. Some conditions apply. Credit approval is not guaranteed. Please refer to the legal notices page..

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“I am very happy with the fast and efficient service. I recommend it, thank you very much, it really helped me. As a mother of three children, a student and a worker at the same time, I truly appreciated this financial support. Professional service and staff responses that are as quick as they are effective.”

Emilie

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“Great service. Fast and simple. I highly recommend them. They hardly ask for any documents… which is exactly why the response is so quick. I even renewed with them because I honestly think it’s a waste of time to look elsewhere.”

Roxanne

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“This was a great option for my needs, and the process was easy and quick. It’s nice to know that even though my credit is still in repair, I was able to get an amount that helped me get through a rough patch, whereas banks don’t help at all. Honestly, I highly recommend this company. Thank you for your help! It was much appreciated!”

Melissa

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“I am very happy with the fast and efficient service. I recommend it, thank you very much, it really helped me. As a mother of three children, a student and a worker at the same time, I truly appreciated this financial support. Professional service and staff responses that are as quick as they are effective.”

Emilie

We offer financial solutions tailored to your situation

For those facing an emergency and looking for a fast solution. With CreditMatik, get the support you need quickly and easily to manage urgent financial needs, without delays or complications.
Learn more about our solutions for bad credit
For those with poor credit. At CreditMatik, we understand that having a low credit score can make it difficult to access funding through a bank. That’s why we evaluate your situation without looking at your credit score. Our mission is to help you get back on track without judgment and with fast, human support.
Learn more about our solutions for bad credit
For those looking for a simple, no-paperwork solution. At CreditMatik, we make things easier by offering financial support from $500 to $1,500, with no documents to scan or send and no bank verification.
Learn more about our no-document solutions

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