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Standard Loan

Small Amount Loan: $500 to $2,000
Minimum & Maximum Terms: 6, 9 and 12 months
Costs: 20% Establishment Fee
Monthly Charge: 4% on your loan amount

Medium Amount Loan: $2,005 - $5,000
Maximum Annual Percentage Rate (APR) of 48%
Minimum & Maximum Terms: 6, 9, 12 and 18 months
Establishment Fee: Maximum $400
Example:

Loan term: 12 Months
Loan Amount: $2,500.00
Establishment Fee: $400.00
Total Repayments: $3,661.72

Based on Annual Percentage Rate (APR) of 48%

Comparison Rate: 81.01%*

*This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

 

What Happens if I Default Payment?
There are two scenarios where a payment can be considered defaulted. The first scenario is where your pre-authorized payment bounces. If a payment to reimburse your loan bounces, we will charge a $50 NSF fee. Your financial institution may also charge you an additional NSF fee for a bounced payment, so it’s in your best interest to make sure payments are processed within your flexible repayment schedule.

The second scenario is where the payment isn’t necessarily defaulted; rather it’s deferred to a later date. If you have to repay your loan later than the date agreed upon when the loan was approved, there is an administration fee of $35.00 charged to the account. You should also make sure you inform us 3 days before your payment date to ensure we can administer the payment date change in time.

Are There Other Conditions I Should Be Aware Of?
There are a few things that loan applicants should be aware of, one of which being that loans are not renewed unless you submit a request for another loan and we approve it. The other thing loan applicants should be aware of is that loan repayment terms vary from 3 months to 6 months as we mentioned above. That means that depending on how much money we loan you and the length of the payment schedule, the frequency and total amount of repayments can change.

What about Collections and Credit Scores?
Don’t worry, if a situation in your life interrupts your loan repayment schedule, our team will make sure that we modify your repayment agreement based on your current needs. However, as our company is in full legal compliance with Canadian lending regulations and standards, we have to demand full payment of any outstanding amounts, interests or costs if there is a default payment under a modified repayment agreement. Additionally if we incur any legal fees (judicial and extrajudicial) as a result of a default on your modified repayment agreement, we will claim these fees and ask you to repay us. If for some reason we cannot come to an agreement about your loan repayments, we will have no choice but to assign your file to a collection agency, which can negatively impact your credit rating. It is in your best interest to make sure your loan is paid back according to our repayment agreement or your modified repayment agreement.

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