Our answers

What are the steps to get open credits?

Here are the steps to get a loan :
1. Fill out & send the form
2. Bank verification
3. If your request is approved, complete your application
4. Get the funds

Can I get open credits?

Here are our eligibility requirements :
– Be 18 years or older
– Live in Quebec
– Have a stable job for at least 3 months
– Have your paycheck deposited in your canadian bank account
– Not being in a bankrupcy
– Have an income of at least $1200/ month

How to ask for open credits?

To ask for open credits, simply fill out the form and submit it.

What happens when I’ve submitted my request?

When you send in a request (fill the form and do the bank verification), you will get a confirmation.
One of our agents will then check the information you sent in to determine the amont of money we can loan you.
You will recieve an answer from us to confirm your status. If your situation meets the requirements, your funds will be deposited in your account.

How long will it take to get the money in my account?

Usually, the funds will be deposited before midnight if your application was completed AND the contract was returned signed before 14:30 (Mon-Fri).
If it’s not the case, you must count 24 business hours for the transfer.
Exceptions : when applications are sent in outside of regular business hours (weekends, evenings)

Do you need to confirm my employment?

Only in certain cases, a confirmation of employment could be requested. This is done on a confidential basis and your employer will not be aware that this is a request for funding.

What is a variable credit contract?

The variable credit contract is the document we send you to confirm the agreement we make with our customers. The expression “variable credit” is different from “term loan”. A credit facility means that our customer has access to funds he/she can use at their discretion and the payment of the used amount can be done in an anticipated manner with no extra fees or penalties.

What is the interest rate?

Our rate is 18.99%.

What happens if I can’t make my payment?

You can ask for a deferral at least 72 business hours prior to your scheduled date. However, you can avoid paying extra fees if you make your payment on time, as your bank will charge you for NSF (non sufficient funds) as well.

What are your opening hours?

Client Care
Monday to Thursday : 8am to 5pm
Friday : 8am to 4pm
Saturday : 9am to 5pm
Sunday : Closed

Payment Services
Monday to Thursday : 8am to 6pm
Friday : 8am to 4pm
Saturday : Closed
Sunday : Closed

Perception Services
Monday to Thursday : 8am to 6pm
Friday : 8am to 4pm
Saturday : Closed
Sunday : Closed

Are there any extra fees?

Weekly membership fee : $22.75 as long as there is an active balance.

Where can I find my balance and my payments calendar?

In your client portal. Get access by going to our website and click on “Client Access“.