About Crédit Instant

Crédit Instant helps people in Quebec who have trouble getting financing from a bank or credit union. We are not the lender. We are not a financial institution and we do not lend money. We act as an intermediary and a support service with independent lenders.

Here is that role in plain language, and what an applicant can expect before sending a file.

What we do

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. The independent lender reviews the file and sets the terms.

In addition, we offer support intended to better structure your budget, analyse your financial situation, and assess your ability to repay.

The team answers by phone and email Monday to Friday, 8:00 a.m. to 4:30 p.m. If you have a question before you apply, use the Contact page.

An intermediary model, not a lender

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.

A co-borrower is not a reference. Their presence means joint responsibility, shown clearly before the file is submitted. It is simpler to include that person on the first application than to add them later.

Depending on the level of risk associated with the file, financing may be disbursed in several stages. We do not control the conditions offered by the lender and cannot guarantee the terms.

What an applicant can expect

When a request is sent, the independent lender reviews the file. The outcome is not set in advance: a file may be accepted, refused, or sent back for more information. We support the request; we do not decide the result.

Amounts, terms, and rates are set out on How it works and on the quick loan page.

Borrow only when the payments fit your budget.