Amounts from $400 to $2,000. Online application in 2 minutes, fast response and Interac deposit, even with a difficult credit file.
A simple process that guides you to get your loan as quickly as possible.
Your contact info, income and desired amount. Simple and fast, under 2 minutes.
IBV verification confirms banking activity and file elements, without a traditional credit check.
Once approved, funds are deposited directly into your account. Enjoy your loan right away.
Get a response in minutes and your funds by Interac deposit in about 1h.
We evaluate your current situation, not past mistakes. Accessible even with a difficult credit file.
Your data is encrypted and protected. Transactions compliant with Quebec Law 25.
Choose the repayment frequency that suits you: weekly, bi-weekly or monthly.
Submit your request anytime, day or night.
A real team available to answer your questions and support you throughout the process.
'I needed money quickly for an emergency repair. In under 2 hours, the funds were in my account. Simple and stress-free process.'
'After being refused elsewhere, Crédit Instant approved me in minutes. The service is professional and payments are easy to manage.'
'Transparent, fast and honest. No hidden fees, no bad surprises. I recommend it to anyone who needs a financial boost.'
Choose your amount and repayment frequency to see your estimated payment.
*Amounts are representative examples only. The exact amount, total cost and terms are displayed before any signing.
Submit my requestFill in the essential fields and we'll get back to you quickly. No documents required at this stage.
Yes. We use instant bank verification (IBV) to evaluate your request. Your credit score is not checked.
Our loans range from $400 to $2,000. The exact amount depends on your profile and repayment capacity.
In most cases, funds are deposited the same day of approval via Interac. In some cases, the delay can be up to 24-48 business hours.
The annual nominal rate is 21.98% (effective rate of 24.50%). No debit fees apply. There are no hidden fees. Everything is clearly indicated before signing.
Repayments are automatically withdrawn based on the frequency you choose (weekly, bi-weekly or monthly). You can repay early without penalty.
You must be 18 or older, be a Canadian citizen, hold a Canadian bank account, be employed with direct deposit income and not be bankrupt.
Join over 20,000 Canadians who got their financing with Crédit Instant. Apply in 2 minutes, no credit check.
Because of their credit history, our customers are unable to obtain credit from traditional financial institutions. We work with lenders who may agree to grant you a loan, provided your file includes a qualified co-borrower. To take account of the risk associated with this service, the loan will be disbursed in two stages. In addition to our co-borrower service, we also offer assistance with budgeting, debt consolidation and assessing your ability to repay. Don't hesitate to talk to our representatives. They are here to help! Keep in mind that getting a micro-loan may not be the best solution for you.
If you are still looking for financing, we encourage you to borrow responsibly. We recognize that we serve a higher-credit-risk clientele, which is why you should expect to pay a higher interest rate than those offered by conventional institutions. Be especially careful not to take on multiple types of online micro-loans simultaneously, as your debt ratio could rise sharply and leave you unable to meet all your payments. We do, however, guarantee this: you will never pay an interest rate higher than the one permitted by the Quebec Consumer Protection Act. That said, this type of financing should only be taken on in case of emergency or when you have no other options to obtain immediate financial assistance.
As is the case with loans granted by conventional institutions, all of our clients who have faithfully honoured their commitments will be offered the option to renew their guarantee. Establishing good repayment practices may also allow them to obtain a higher principal on a future application, or even to access other types of financial products. Important: this should not be interpreted as a way to improve your credit score with credit agencies such as Equifax or TransUnion. Our services are not taken into consideration in the calculation of your credit score. Here is a more concrete example: if we have guaranteed a loan that you have repaid over 2 to 6 months, that you have regularly made all your payments, and that our risk is now reduced, we could then guarantee your next application. You could obtain new funds immediately and only begin repaying after the last debit on your previous financing.
If you are having difficulty making your payments, we recommend that you call one of our agents to advise you on reaching an arrangement with the lender. One of our main commitments to our clients is to respect customers in difficulty. We can negotiate various forms of accommodation such as deferrals or reduced payments, subject to certain fees required by the lender. If you become unable to honour your commitments, please note that responsible recovery techniques will be used to handle your file. In the majority of cases, the borrower is responsible for all legal costs incurred to recover the debt, and the debt may be demanded in full as soon as there is a breach of commitment. Once your file is transferred to collection, we will no longer be able to help you.
Every application we receive is subject to an analysis process in order to evaluate the applicant's ability to repay. Anyone who claims to offer financing without analyzing your ability to repay is acting contrary to the requirements of the Consumer Protection Act. To remain compliant with the law, we must verify your monthly income, employment stability, how you manage your finances, your contractual obligations (lease, other credit agreements) and your credit history. If you do not meet some of our eligibility criteria and we consider you to be too high a risk, your application may be refused. Rest assured that our primary goal is to help you, not harm you. For any approved application, we recommend that you carefully read the contract sent by the lender to understand its terms.
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