Yes. We must be able to confirm that you have the financial stability needed to reimburse the loan according to the criteria established by lenders to approve the loan. It is important to provide truthful and correct answers on the application form as they will be validated by the transactions provided by your bank. We reserve the right to refuse an application if the transactions shown do not align with the information provided in the form.

Less than an hour except on weekends and certain mornings around opening hours. Other exceptions include the days after banking holidays. Otherwise it can be even less.

The lender will withdraw funds directly from your account following your income deposits. Our brokerage fees are the last payments to be withdrawn, also by the lender, after the capital and interest on the loan is paid.

No. We highly recommend you never make a deposit to receive services of this nature as that opens the door to scammers. The agreement you sign with us will only be effective after you receive funds.

Between 15 to 20 minutes from start to finish, including the pre-approval, loan application and the bank link that returns a statement directly from your bank.

If you request a deposit by interact e-transfer, you can receive funds within the hour of being approved. Otherwise it varies between 12 and 24 hours as you’ll receive funds overnight. Generally speaking funds are deposited in your account before 10 a.m. the following morning. Loans approved Friday afternoon deposit on Monday morning, and those approved Saturday and Sunday on Tuesday morning. 

We’re currently working on developing one, but the majority of the steps involved are automated and streamlined to shorten processing times as much as possible.