FREQUENTLY ASKED QUESTIONS

Yes, Simple Credit operates in all provinces of Canada. In addition, most of our advisors are bilingual and ready to answer you in the language of your choice.

Thanks to our Interac Express service, it is possible to receive your personal loan in less than one hour following the signing of your contract with the lender. Regular deposits can take from 24 to 48 hours. Conditions may vary from one product to another.

The interest rate offered by one of our lenders is as low as 8.95% which is 2.24% for a 3-month term.

Once your application is completed, if you meet our 4 basic criteria, you will receive a response within one hour during business hours. Please note that during high traffic periods, it may take longer.

• Being in the process of filing for bankruptcy or a consumer proposal
• Having accumulated several NSF payments in the last few months
• Having a high debt load
• Providing incomplete, erroneous or fraudulent documents or information

Yes, however, you must meet all eligibility criteria, including having a stable and minimum source of income of $1,500.00 per month.

Yes, we exceed the highest industry standards and your application is 100% confidential.

Regarding the instant banking verification platform, our partner is Flinks Technology, here is the link to visit their website: http://flinks.io/

You can apply directly on our website using our web form or by phone with an advisor at
514 904-4028.

First, make sure that all fields are filled in correctly with the right information. Incorrect or incomplete information automatically prevents the form from being sent. If the problem persists, please contact us at 514 904-4028.

We encourage you to contact us in order to find a solution together that will allow you to repay your loan according to the agreed terms.

Please note that additional fees may be applied if a solution is not found within a reasonable timeframe.

If you are unable to pay the current direct debit, additional fees may also apply. This could affect the total amount due and lead to extra costs.

If you wish to defer a payment, it is essential to contact your lender at least 72 working hours before the due date to arrange the deferral. This step is crucial to avoid any payment issues and potential fees.

Additional fees may also apply for a payment deferral.

In the event of prolonged non-payment, the debt could be transferred to a collection agency. It is therefore important to consider the potential consequences of long-term non-repayment.

We encourage you not to underestimate the situation and to inform both us and your lender of any difficulties as soon as possible. Prompt and proactive communication is key to preventing escalation.

Our team remains available to offer support and assistance throughout the process. We assure you of our help in managing your financial obligations.

No problem, just contact us to verify how much you can get as a new advance. You will receive your deposit in less than an hour if you use our Interac Express service *Some conditions apply.

We consider a virtual branch to be an accredited and qualified partner in the financial community (business or individual) who refers customers to us to get a product and personalized support from Simple Credit.

• Staples (Bureau en gros)
• Post Office
• Pharmacy
• Convenience store
• Your employer
• Bookstore
• Many businesses have a fax machine that you can use

• On your online banking access
• Directly at the branch
• By phone with your bank