Bad credit funding in Quebec

At CreditMatik, we understand that bad credit can make it difficult to get a loan application approved by a traditional bank. That’s why we evaluate your current financial situation and offer alternative funding solutions, without looking at your credit score.

How can I get funding with bad credit?

01

Become a member

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

02

Request the amount that fits your needs

Your request is evaluated based on your actual ability to repay.

03

Instant Bank Verification (IBV)

No documents, no credit check, no judgment.

04

Receive your funds within 24 hours

Approved within an hour, with direct deposit via Interac e-Transfer.*

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

Everything you need to know about our bad credit funding solution

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To qualify for bad credit funding, 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.
- Salaried income - Quebec Parental Insurance Plan (QPIP) - Commission des normes, de l'équité, de la santé et de la sécurité au travail (CNESST) benefits - Société de l'assurance automobile du Québec (SAAQ) benefits - Allocation de Solidarité Spécifique (ASS) - disability - Allocation de Solidarité Spécifique (ASS) - salaried income - Various pensions - Self-employed income - OAS – Old Age Security - GIS – Guaranteed Income Supplement - CPP – Canada Pension Plan - EI – Employment Insurance
Traditional lenders and financial institutions in Canada, like banks, often run credit checks to evaluate your ability to repay and decide whether to approve your personal loan application. Credit bureaus such as TransUnion or Equifax assign you a score based on your credit history and repayment behavior. This score reflects your overall creditworthiness. A low score can make it harder to access credit and may lead to your loan application being declined by banks. In general, a credit score below 560 is considered poor.

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Why choose Creditmatik financial solutions for bad credit ?

At Creditmatik, we believe that your financial past shouldn’t block your future. That’s why we offer flexible, accessible funding options, even if your credit score is low :

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

- Same-day deposit : most approved members receive their money within hours via Interac e-Transfer.

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

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

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

- Exclusive member benefits : discounts, tools, and perks for everyday savings.

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 looking for an alternative to payday loans. CreditMatik is a smart alternative to payday loans, offering fast and flexible financial solutions from $500 to $1,500 without the credit checks.
Learn more about our payday loan alternative
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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