How it works - Express Payday Loan

How it Works?

We’re a company that specializes in simple, secure, and fast short-term loans. Our entire application process takes place online and has been made as clear and user-friendly as possible. At that, our service department is prepared to help you along every step of the way, should you require any extra assistance.

When you need money most, we’re just a few clicks away.

Get Your Money in 3 Easy Steps

We’ve worked hard to make our loan application process what it is. Gone are the days when you’d be pulling your hair out trying to get a bit of extra money before the next payday.

Here’s all you have to do to get a loan from us:

1 Step

Apply online.

Upload all your documents and enter the required personal information. It’s so easy and straightforward, and the entire process occurs completely online - say goodbye to annoying stacks of paperwork! Just a few clicks and your application will be complete. Plus, you can reach out to our staff if you need any help or guidance along the way.

2 Step

Validate your employment and your personal references.

While we don’t do any credit checks, we do require other basic information before we can proceed with your loan approval. This is the last thing you’ll need to do before you get approved for your loan, and it’s only a couple of easy documents you’ll need to upload.

3 Step

Get approved and receive your loan.

You’ll be pleased to know that we approve most clients who apply for a loan with us. Once you’re approved, you’ll receive your money within 24 hours, transferred directly into your bank account. With us, you can apply for a loan, be approved, and receive an e-transfer all in the same day. How simple is that?!

4 Step

Reimburse your loan.

You will have a period of 3 to 6 months to repay your loan depending on your pay frequency.

Getting a loan has never been this easy – not to mention fast! Have peace of mind knowing that your personal information is kept entirely confidential and that money will be transferred to you securely.

Apply For A Loan Today! We’re Here To Help When You Need It Most.

Apply now

Testimonials

Don’t take our word for it – check out some testimonials from our satisfied clients below.

David Toronto

"They responded to my request quickly, and the agent was very kind. I recommand!"

Ali Calgary

"Transfer received in less than 1 hour. Great service"

Sandrine Quebec

"Express Payday Loan helped me through a tough time. Thank you, very appreciated service"

Mathieu Surrey

"The process to get the money is pretty easy. No need to send them anything."

Security

Our streamlined loan application process makes your life simple.

IBV Instant Bank Verification
Allows for a secure and confidential service.
No paperwork. No credit Check.

Completion of your file

Our streamlined loan application process makes your life simple:

1. Receipt and approval of all required documents
2. Validation of your employment
3. Validation of your personal references

Apply For a Loan

Your request will be refused if:

You have multiple returned payments in your account
You provide incomplete or erroneous documents
You have an incompliant consumer proposition
Your financial ratio is inadequate

Important Information

ANNUAL PERCENTAGE RATE (APR)

We work with financial institutions to offer you an annual interest rate of 24%. Additional costs may be charged by the agent and broker to cover the opening and management of the application. Our short-term loans are usually repaid in 3 to 6 months, depending on the amount contracted.

EXAMPLE OF A LOAN PAYMENT

As an example, a 720$ loan payable every 2 weeks and reimbursed through six installments will result in 129.76$ per payment, for a total amount of 778.54$, including interest fees of 58.54$. This amount excludes brokerage fees that are added to the borrowed capital, as well as additional fees that may occur for postponed or refused payments. This example is provided for information purposes only and cannot be considered as a real loan.

COLLECTION

It is important to honor your loan agreement and respect the payment schedule. In case of a missed payment, one of our perception agent will contact you to adjust the situation and agree on new modalities to reimburse your loan in totality. A 50$ fee will apply for any missed, postponed or refused payment for insufficient funds. If multiple payments are missed, your case will be transferred to a collection agency.

GOOD STANDING OF A LOAN AGREEMENT

It is important to comply with your agreement and respect your payments. This will allow you to easily obtain a renewal, in addition to being able to increase the amount of your new loan.