Rates and
how it works


For your application to be approved, you must submit the following documents:

- A bank statement from the past 30 days;
- Your most recent pay stub;
- A sample or void cheque;
- A piece of photo ID.

These documents may be sent via our online loan application form or by fax after submitting your application.

Our rates

The lending companies with which we do business charge:

An annual interest rate of 28 to 32 percent;
In case of payment default, applicable interest of 2.66 percent a month, or 32 percent a year;
A brokerage fee is applicable when you obtain your loan. There is no charge before the loan is deposited into the applicant’s account.

Eligibility criteria

To qualify for a loan:

You must be a Canadian resident over 18 years of age;
You also must have a stable job, which you have held for at least the past four months with the same employer and your pay must be deposited directly into an account in your name;
Pension recipients are also approved if their net monthly income is $1,400 or more. We also approve people receiving SAAQ and CSST benefits.

Procedure to follow


Request process

Following the submission of your application, we ensure that the conditions are met and that the information provided is accurate and your ability honored your commitment. As well as confirm your employment. Your loan is deposited directly in your bank account where your payments will be withdrawn from and according to the payment schedule agreement enclosed in the signed contract. A fee of $ 40 will be charged for each payment in default.

Secure, confidential service

Crédit Courtage has been in business since 2005. Our qualified, courteous staff are here to answer your questions by telephone or email from Monday to Thursday between 8:00 am and 5:00 pm, and Friday from 8:00 am to 4:00 pm. Your personal information is saved on secure servers. All our transactions are also subject to stringent verifications, so you can submit your application with peace of mind.

Easy repayment

Our loans of $350, $500 and $700 are repayable in 3, 6 or 12 payments depending on the frequency of your pay. So your loan is repaid in about three months. Payments are deducted from your account the same day your pay is deposited.

Early payment

You can repay your loan ahead of time. Contact one of our agents to discuss repayment terms.



Your contract stipulates that you will be charged a $40 fee for any payment not made. However, by making payments on time, you gain full access to other services, including the option of obtaining a new loan. Any amount that goes to collections will be subject to an annual interest rate of 32 percent.

Reliable collections

Our collections department uses recognized, reliable methods. If you miss a payment, our collections officers will contact you to make a payment arrangement. There are several options for making an arrangement, at their discretion. When you miss a payment, interest on the balance continues to accumulate. All fees legally incurred for collection of the amount due must be paid by you. Any amount due will be collected until your balance has been paid in full, as stipulated by the law.

Policy about
responsible loan

Your request for a loan must be reviewed by the proper department in order to make sure that you have the means to reimburse the loan. This process involves: verifying your salary income, insure that you do not have a large amount of default payments as well as multiple short-term loans. If we notice that you are in one of these situations, we may refuse your request. Consult one of our agents at 1.866.482.0454 to get information about this service or refer loan tab.


Short-term loans have higher interest rates than loans provided by local banks. They should be used as infrequently as possible or when no other option is available at a lower interest rate. When used responsibly, a short-term loan may be a good solution for you. Taking out several loans may subject you to excessive debt and lead to financial problems. Be responsible!