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 Inverite Verification, a very secure verification company.
  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 telephoning our automated agreement system, keying in your contract number, and saying your name and that you agree over the phone.
  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. You fill out the application form completely on our web site, by pressing the Apply now! button.
  2. Our system will send you an automated e-mail with further instructions and a personalized download link for the Inverite Screencap Application.
  3. You download and install the Inverite Screencap Application. This program allows you to securely upload to us screenshots of your web banking.
  4. You log into your web banking using the Inverite Screencap Application and bring up 180 days of banking history. You press the Capture button in the application and it will send us a screen capture.
  5. If required, you can send us more screenshots by pressing Capture a second or more times. (For instance, if your web banking only shows one month of account history at a time).
  6. Once you upload some web banking screenshots, we will automatically start the review process. If we need more information we will usually try and contact you by telephone, then e-mail.
  7. We will let you know in an e-mail whether your application is accepted or denied.
  8. If accepted, you will be given a link to download your Loan Agreement contract!
  9. You click the download link in your e-mail and download the contract.
  10. You read the contract it in full, and then agree to it by telephoning our automated agreement system, keying in your contract number, and saying your name and that you agree over the phone.
  11. As long as your banking information been verified, you are eligible for an Interac E-mail transfer, which will get you money in about 5 minutes once your loan has been approved and activated on our side.
  12. 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.

Back to Frequently Asked Questions