A loan without a traditional credit check is not a loan with no review. Crédit Instant does not pull Equifax or TransUnion. We still look at income, bank activity and repayment capacity. Loans from $400, repaid over a few months. Conditions apply.
People search “no credit check loans Canada” hoping the bureau will stay out of the way. At Crédit Instant that part is true: we do not run a traditional credit inquiry. Your Equifax or TransUnion file is not the gate.
What the phrase does not mean is “no questions” or “everyone is funded.” We still look at income, IBV bank activity and repayment capacity. Missing information or a budget that cannot absorb the payments can prevent approval.
The French pair, prêt sans enquête, uses the same method for Quebec searches.
This is an installment loan, not a payday loan that takes the next paycheque in one pull. The four products listed below have terms of 3 to 5 months. Your quote shows the rate, applicable charges, payment schedule and total payable before you sign.
If you want the “no refusal” angle (no automatic turndown based on a score), see money loan with no rejection. If you need Saturday or Sunday timing, use weekend loans in Canada. This page is only about how the file is verified without a bureau pull.
You need to be 18 or older, be a Canadian citizen, hold an active Canadian bank account, be employed with direct deposit income and provide government-issued photo ID. You must not be bankrupt. Any additional requirements are confirmed during the review.
Review the eligibility criteria before applying. A loan is a poor fit if your budget is already in deficit or if the amount you need is outside the available range. Borrow only what solves the expense. Conditions apply.
The form is available every day. The team hours on the site are Monday to Friday, 8 a.m. to 4:30 p.m. We do not claim a staffed overnight desk.
Contact details, income and requested amount. Provide co-borrower information if requested. A clear file at the start avoids a pause later.
Bank activity is confirmed in read-only mode and repayment capacity is assessed. Every complete file is reviewed. Approval is not automatic.
After approval and signature, funds go by Interac e-Transfer. Same day in many cases, or 24 to 48 business hours depending on your bank. Autodeposit, if you have it on, skips the email intercept.
Loans range from $400 to $2,000. These four examples list the loan amount and guarantor amount separately; they are not complete cost quotes. Confirm the total repayment amount and responsibilities in your offer before signing:
| Product | Amount | Term | Guarantor amount in example |
|---|---|---|---|
| PC-01 | $400 | 3 months | $200 |
| PC-08 | $500 | 3 months | $250 |
| PC-10 | $750 | 4 months | $375 |
| PC-04 | $1,000 | 5 months | $500 |
Larger amounts up to $2,000 appear on the live pages when the file supports them. Debit fees on the documented products are $0. Early repayment is allowed without penalty. The amount on the contract is the amount you repay on the schedule you sign, not a maximum you should take by default.
No. Crédit Instant does not run a traditional Equifax or TransUnion credit inquiry. The file is still reviewed: income, recent bank activity through IBV, and repayment capacity. Approval depends on the lender's criteria. Conditions apply.
The application is assessed without a traditional hard credit inquiry, so the request itself does not pull your bureau file. Your income and bank activity still have to support repayment.
Amounts range from $400 to $2,000. Examples include PC-01 at $400 over 3 months, PC-08 at $500 over 3 months, PC-10 at $750 over 4 months and PC-04 at $1,000 over 5 months. The amount offered depends on income, repayment capacity and the lender's criteria.
A co-borrower may be requested depending on the lender and your file. If requested, review their responsibilities in the agreement before signing. The guarantor amounts in the pricing examples are not a limit on a co-borrower's repayment liability.
The online form is available every day. During Monday to Friday, 8 a.m. to 4:30 p.m., a complete file is often reviewed within 15 to 30 minutes. After approval and signature, funds go by Interac e-Transfer: the same day in many cases, or within 24 to 48 business hours depending on your bank. The team is not staffed around the clock.
Online application, income review and IBV bank verification. Review your offer and its conditions before signing.
Some applicants have difficulty obtaining financing from traditional financial institutions because of their credit history.
We work with independent lenders who may accept an application when the file includes a qualified co-borrower.
Our role is to support you through the process in order to increase your chances of approval. We are not the lender and we do not guarantee that financing will be obtained.
Depending on the level of risk associated with the file, the financing may be disbursed in several stages.
In addition, we offer support intended to:
Every application is subject to an analysis to ensure that the financing requested matches your ability to repay, in accordance with the Quebec Consumer Protection Act.
This analysis notably includes:
An application may be refused if we believe that the financing could worsen your financial situation.
No financing is offered without a prior analysis.
Financing conditions vary depending on the lender and your profile.
We do not control the conditions offered by the lender and cannot guarantee the terms.
The financing offered is aimed at a higher-credit-risk clientele. This generally entails borrowing costs that are higher than those of traditional financial institutions.
Before applying, make sure that:
This type of financing should be used occasionally, particularly in case of emergency.
You are responsible for respecting the repayment terms set out in your contract with the lender.
Administrative fees may apply, notably:
In the event of a missed payment, interest may be added and additional fees may be charged.
We do not transmit your file to credit agencies such as Equifax or TransUnion.
In case of difficulty, you must contact the lender directly, ideally at least 48 hours before a withdrawal.
In the event of payment default, recovery measures consistent with applicable Canadian laws may be put in place.
The full balance could become immediately due and administrative or judicial proceedings could be initiated. Additional fees may then apply.
Once the file has been transferred to a collection agency, our ability to intervene is limited.
Renewal of financing is never automatic.
Any new application is subject to a complete analysis.
A good repayment history may make it easier to access future financing options, without guarantee.
We act as an intermediary and a support service.
We are not a financial institution and we do not lend money.
