Amounts from $400 to $2,000. Online application in 2 minutes, fast response and Interac deposit, even with a difficult credit file.
Crédit Instant provides a co-borrower service. A separate lender decides on approval and grants the loan.
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.'
'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.
Partner lenders' loans can range from $400 to $2,000. Crédit Instant provides the co-borrower service. 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Repayments are automatically withdrawn based on the frequency you choose (weekly, bi-weekly or monthly).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.
Some applicants have difficulty obtaining financing from traditional financial institutions because of their credit history.
We work with independent lenders who may accept an application when the file includes a qualified co-borrower.
Our role is to support you through the process in order to increase your chances of approval. We are not the lender and we do not guarantee that financing will be obtained.
Depending on the level of risk associated with the file, the financing may be disbursed in several stages.
In addition, we offer support intended to:
Every application is subject to an analysis to ensure that the financing requested matches your ability to repay, in accordance with the Quebec Consumer Protection Act.
This analysis notably includes:
An application may be refused if we believe that the financing could worsen your financial situation.
No financing is offered without a prior analysis.
Financing conditions vary depending on the lender and your profile.
We do not control the conditions offered by the lender and cannot guarantee the terms.
The financing offered is aimed at a higher-credit-risk clientele. This generally entails borrowing costs that are higher than those of traditional financial institutions.
Before applying, make sure that:
This type of financing should be used occasionally, particularly in case of emergency.
You are responsible for respecting the repayment terms set out in your contract with the lender.
Administrative fees may apply, notably:
In the event of a missed payment, interest may be added and additional fees may be charged.
We do not transmit your file to credit agencies such as Equifax or TransUnion.
In case of difficulty, you must contact the lender directly, ideally at least 48 hours before a withdrawal.
In the event of payment default, recovery measures consistent with applicable Canadian laws may be put in place.
The full balance could become immediately due and administrative or judicial proceedings could be initiated. Additional fees may then apply.
Once the file has been transferred to a collection agency, our ability to intervene is limited.
Renewal of financing is never automatic.
Any new application is subject to a complete analysis.
A good repayment history may make it easier to access future financing options, without guarantee.
We act as an intermediary and a support service.
We are not a financial institution and we do not lend money.
Thousands of Canadians trust us