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The variable credit agreement is the contract by which a credit is granted in advance by a merchant to a consumer who may avail himself of it from time to time, in whole or in part, according to the terms of the contract.
The variable credit agreement includes the contract for the use of what is commonly referred to as a credit card, credit account, budget account, revolving credit, line of credit, line of credit and any other similar contract.
You can apply online using the application form or you can call us at 1-888-952-6262. You can also email us at [email protected]
Yes, we accept clients that benefit from CNESST (formerly CSST), employment insurance, disability insurance, pension plan, etc. Certain conditions may apply, contact us to get more information.
We only accept people who are paid by direct deposit.
Lending companies with whom we do business offer:
If application is approved before 10:30am, you should receive the money from your credit margin before the end of the day. However, if the transfer is done after 10:30am, there could be a delay of 24 business hours before you receive the money in your bank account.
Your application may be refused due to one or more of the following reasons :
If you fail to make your payments, our collection officers may terminate your installment plan and employ different collection methods to recuperate the money that is due. Installments that are terminated will collect interest on the unpaid balance of your loan. The borrower covers any legal fees required to obtain the balance. Any uncollected debts are pursued to the full extent of the law.
The Instant Banking Verification (I.B.V.) is the most recent technology used by banking institutions. It provides a read-only version of your bank statement and confirms your information. Thanks to this new system, there is no need to send us documents we can approve your loan request even faster!
The I.B.V. is the most secure technology on the market. It’s an equal level of security as what is used in the largest Canadian banks. This will never give us access to your password or username. All information provided along with your bank statement is kept confidential and will never be shared as mentioned in the variable credit contract.
No, never! We will never have access to see your username and password. The IBV allows us to only view your bank statement.
This is the easiest way to apply because it is paper free. However, you can complete your request by Paper Application the traditional method. Should you choose to apply with this option, we will need your documents to validate your information. You will need to send us the following documents: ID card, pay stub, proof of residence, bank statement of the last 30 days and void check.
This is the paperless application; we will not need your documents if you do the I.B.V. However, there are some exceptions to this rule for more information please contact our customer service at 1-888-952-6262.
This option allows you to complete your application without the hassle of sending your documents. The I.B.V. has an equal level of security as what is used in the largest financial institutions.
It’s easy! you can contact your financial institution and ask them to create your online credentials. Once you have a username and password, it will be important to first log in to your account before the I.B.V.
OR
You can choose to apply manually. To do so, you will need to provide us your signed contracts as well as the following documents:
Several shops offer the use of their fax machine for a small fee. You can find them in the following places :
A photo ID is a legal document issued by the government of Quebec or Canada.
Examples of valid photo IDs are:
Formerly known as CSST. Here is an example of a CNESST form. This form is provided by the Commission des Normes, de l’Équité, de la Santé et de la Sécurité du Travail
Please note that this form is only available in french. Feel free to call us 1-888-952-6262 for assistance.
A pay stub if a note or document given to you by your employer at the same time as your pay. It can be given to you with your check or sent by email if you have direct deposit.
Here is an example of an Employment Insurance form. The 2 following documents replace a pay stub.
Proof of residence is required to confirm that the address on your loan is where you live. An electrical bill or a phone bill are two examples or a proof of residence.
A bank statement is a document presenting every transaction in a bank account for the last 30 days. This document is often sent by mail or is accessible online depending on your financial institution. Prêt Direct requires a bank statement from the account where you receive your pay, often called “checking account”.
A blank check is a voided check that you provide to a financial service such as Prêt Direct or to an employer in order to receive direct deposit. The blank check requested by Prêt Direct is one associated with the bank statement provided during the application process. Please note that Pre-Authorized Deposit Form are also accepted.
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