1. Apply Online
Fill out our simple form. Our friendly agents can approve your loan application within an hour.
2. Bank Verification
Using Instant Banking Verification helps you get approved faster and protects you from identity theft.
3. Receive Money
Upon approval your installment loan is send to you electronically in your bank account.
Instant Account Verification (IAV)
DecisionLogic’s Instant Account Verification (IAV) service has been developed for the lending industry in order to enable us to make more accurate and timely loan decisions. We have read only permission of your bank statements.
No Credit Checks Ever
Even if you have bad credit, we have a short term solution. If your Canadian and have a job we can give you 90 day installment loan with easy installment payments.
We will find you a lender with the following 8 point criteria
- Must be a Canadian Citizen
- Have a Bank Account
- Have a job
- Not be in Bankruptcy Status
- Not have a Consumer Proposal
- Not on Welfare
- Must have Direct Deposits
- Must Complete an IBV
Second Chance Loans
We offer second chance credit. Apply today and get approved same day. We will take a chance on you when no one else will.
Why Extra Money?
No Credit Checks
Same Day Cash Deposit
Get up to $3,000
No Upfront Fees
How Does it Work
What is an Installment Loan?
This type of loan allows you to repay the amount borrowed in installments. Typically, payments are monthly installments. Bi-weekly, weekly, or semi-monthly are possible depending on what the lender offers.
How can I get an short term loan?
Getting a short term loan is easy. To start, fill out our application form. This should take you a few minutes. Once completed, our friendly agents will review your file in fact, an answer can be given same day during business house. Be sure to regularly check your email and your spam folder. You may also receive an SMS text message if you provide your mobile phone number. It is recommended to have your phone ready. Once you’ve been approved, our agents may call you if they have any questions or need additional supporting documents.
How long does it take to get a loan?
You will get an answer fast once your loan application is submitted. You will receive the money within 24 hours hours after an approval. This is also conditional that you have signed all necessary loan agreements.
Do you do credit checks?
We do no do any credit checks. We are a second chance option for obtaining a loan. We do understand the need for higher risk borrowers and it is the market we cater to. We do however, request a banking verification that involves a third party call Micro Built or Decision Logic.
How much money can I receive?
We lend between $300 and $1,500 dollars depending on several factors. If you are a first time borrower you will most likely receive under $1,000. Reloans do have preference since you have built up a level of trust with us. We typically can lend more and even give better terms if you show good standings with us.
How do I Receive the Money?
Money is typically deposited electronically in your bank when you are approved same day. We will give you instructions and notifications when the money is sent to you. If you have an problems receiving the money please feel free to contact us.
What is an IBV ? (Interactive Banking Verification)
We use a third party service called Decision Logic or Microbuilt. This trusted partner ensures you are who you are and that you do have a real bank account. It’s fraud prevention that is for your protection and ours. This helps us verify the bank statements you have provided us. We retrieve 3 months of banking transactions to help us analyze your loan application.