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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.
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.
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.
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OTHER FINANCIAL INSTITUTIONS |
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No minimum credit level | ![]() |
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Flexible payment plans | ![]() |
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Offers a cash back program | ![]() |
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Paper-free | ![]() |
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Benefits of free enrolment | ![]() |
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Competitive interest rate | ![]() |
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E-Transfer in a few minutes | ![]() |
Simple Credit specializes in analyzing borrowing capacity and financial support 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.
Quebec
New Brunswick
Ontario
Alberta
British Columbia
New Scotland
Saskatchewan
Manitoba
Prince Edward Island
Newfoundland and Labrador
844-848-EASY (3279)
1-855-502-0505
info@simple-credit.ca
Monday to Friday
8:30 a.m to 4:30 p.m (ET)
Saturday and Sunday
Online application