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Your # 1 reference for financial endorsement


We’re regularly asked several questions, and we have gathered them here to help you better.
Do not hesitate to contact us if you have other questions.

What are the eligibility requirements?
  • Be 18 years of age or older
  • Have a recurring base income
  • Be a Canadian resident
  • Not in the process of filing for bankruptcy or submitting a consumer proposal
Do you offer loan endorsement everywhere in Canada?

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.

How long will it take to get my money?

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.

What rates are available on personal loans?

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

How long will it take for me to know if I am approved?

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.

What are the reasons why my application may be denied?
  • 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
I am self-employed or under a plan other than an employee, am I eligible?

Yes, however, you must meet all eligibility criteria, including having a stable and minimum source of income of $1,200.00 per month.

Is the process secure and confidential?

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/

How do I apply?

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

I filled out the application form and it doesn't work?

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.

If I have a problem with the reimbursement, what should I do?

If you are having trouble with reimbursement, you should first contact your lender at 514-904-4028. It will then be possible to look at your situation and make a payment agreement based on the frequency of your cash flow.
If you are unable to pay the levy that is being collected, a $50 fee will be applied for non-sufficient funds (NSF).
f you wish to defer a payment, you must contact your lender 72 hours before the date of the payment you wish to defer by phone at 514-904-4028. A $25 fee applies.
In the event of a prolonged deferral of payment, the debt will be transferred to a collection agency.

Is it possible to get another cash advance even if I haven't finished paying my current loan?

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.

What is a Simple Credit virtual branch?

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 from Simple Credit.

I don't have a fax machine, where can I find one?
  • Staples (Bureau en gros)
  • Post Office
  • Pharmacy
  • Convenience store
  • Your employer
  • Bookstore
  • Many businesses have a fax machine that you can use
How do I get a copy of my bank statement and/or a sample cheque?
  • On your online banking access
  • Directly at the branch
  • By phone with your bank



No minimum credit level
Flexible payment plans
Offers a cash back program
Benefits of free enrolment
Competitive interest rate
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simple credit

Simple Credit specializes in analyzing borrowing capacity and endorsements for individuals. Our goal is to find the credit that best meets the needs of our clients regardless of their financial situation. We guarantee flexible and fast service. Put simply, across Canada, we are here for you.



New Brunswick



British Columbia

New Scotland



Prince Edward Island

Newfoundland and Labrador


844-848-EASY (3279)




Monday to Friday
8:30 a.m to 4:30 p.m (ET)

Saturday and Sunday
Online application