How does your process work?

How does your process work?

We pride ourselves on the ease of our process, which can be completed online and using your phone! There is no faxing visiting a store, or signing paperwork required... and if you're fast, it takes less than 30 minutes! Once your loan is approved, we will send you your loan by Interac email transfer if you are from BC, Alberta, Saskatchewan, Manitoba, Ontario or Nova Scotia. Returning reloan customers can have their money in as little as 5 minutes!

Here is the complete list of steps, in order:

BC, Manitoba, Ontario or Nova Scotia Customers

1. You fill out the application form completely on our web site, by pressing the Apply now! button.
2. You will be asked to verify your identity and banking information with one of our Instant Bank Verification (IBV) providers.
3. We will let you know in an e-mail whether your application is accepted or denied.
4. If accepted, you will be given a link to download your Loan Agreement contract!
5. You click the download link in your e-mail and download the contract.
6. You read the contract it in full, and then agree to it by typing your Electronic Signature to sign the loan.
7. Funds Delivery: Your funds will be sent immediately via Interac E-mail transfer.
8. On your next payday, we will automatically take a payment for the amount of the loan plus the borrowing fee, as specified in your Loan Agreement contract.

Alberta or Saskatchewan Customers

1. Fill out the application form completely on our website by pressing the Apply Now! button.
   
2. You will need to submit your banking history for the last 180 days. That means we need a PDF copy of your full transaction history for the past 6 months. Please follow the instructions below based on your device:

For Desktop or Laptop Users:

• Windows / Mac:
  
  1. Log into your online banking and go to your account transaction history.
     
  2. Adjust the date range to cover the last 180 days.
     
  3. Once all transactions are visible, press Ctrl + P (Windows) or Command + P (Mac).
     
  4. In the print window, choose Save as PDF or Print to PDF as the destination printer.
     
  5. Save the file to your computer.
     

For Mobile and Tablet Users:

• iOS (iPhone/iPad):
  
  1. Log into your banking app or mobile browser and navigate to your transaction history.
     
  2. Scroll through and ensure the full 180-day history is shown on screen.
     
  3. Tap the Share icon (a square with an arrow), then select Print.
     
  4. In the Printer Options screen, perform a pinch-out zoom on the preview to open the full document.
     
  5. Tap the Share icon again and choose Save to Files or Save as PDF.
     

• Android:
  
  1. Open your banking app or login through your mobile browser and go to your transaction history.
     
  2. Adjust the view to show the last 6 months of transactions.
     
  3. Tap the menu (three dots or share icon) and choose Print.
     
  4. In the printer options, select Save as PDF or Print to PDF.

3 . After we receive your banking history, we will start the review process. If we need more information, we will usually contact you by telephone first, then by email.

1. We will notify you by email whether your application is accepted or denied.
   
2. If accepted, you will be given a link to download your Loan Agreement contract.
   
3. Click the download link, read the contract in full, and agree by typing your Electronic Signature to sign the loan.
   
4. Once your banking information has been verified, you are eligible for an Interac E-Transfer, which will deposit the funds into your account in about 5 minutes after your loan is approved and activated.

8. On your next payday, we will automatically take a payment for the amount of the loan plus the borrowing fee, as specified in your Loan Agreement.

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