Get a loan fast with no credit check
Submit your application online and get a response within 24 hours to fund your projects with peace of mind.
Your tailor-made financial solution
Tell us your needs and let us help you every step of the way. A straightforward and quick process designed just for you.
Your tailor-made financial solution
At Instant Prêt, we believe securing a loan should be fast, simple and stress-free. That’s why we’ve designed a service tailored to your needs, placing your peace of mind at the forefront of everything we do.
You are only click away from your financial solution.
Take control of your finances and move your projects forward today.
Service that makes all the difference
At Instant Prêt, we want to help with your unique situation. That’s why we’ve created a service focused on your needs, designed to provide you with a hassle-free, transparent and personalized experience.
They've entrusted us with bringing their projects to life
I liked the professionalism of the customer service and the speed with which I was served. Thanks for the support.
Audrey
The process was much simpler than I thought. I’m not techno-savvy, but I was well looked after and that reassured me.
Lucie
I needed a helping hand without any complications. Instant Prêt offered me a fast, clear solution tailored to my situation.
Pierre
Frequently Asked Questions
What do I need to qualify for financing with bad credit?
Here are the admission criteria:
- Be at least 18 years old
- Living in Quebec
- Employed for a minimum of three months and/or have eligible income
- Paid by direct deposit at a Canadian banking institution
- Not in the process of bankruptcy
- Minimum income of $1,500 gross per month
What income is eligible?
Eligible income types:
- Employment
- Quebec Parental Insurance Plan (QPIP)
- Commission de la Santé et Sécurité au Travail (CSST)
- Société d’Assurance Automobile du Québec (SAAQ)
- Allocation de Solidarité Spécifique (ASS) Disability
- Allocation de Solidarité Spécifique (ASS) Salary
- Various pensions
- Self-employment
What happens if I can't make my payment?
You can request to postpone a payment up to 72 business hours before your scheduled withdrawal date. A $35 fee applies in case of insufficient funds (NSF).
What is the interest rate that you offer?
Our rate is 18.99%. Actually less than some credit cards
How long will it take to receive the money?
Funds are usually deposited the same day.
In some cases, it may take 24 to 48 business hours for the funds to appear in your account,
depending on your bank’s processing time.
What is IBV?
Instant Banking Verification (IBV) is a process used by financial institutions, which allows them to quickly verify the accuracy of banking information provided during transactions, such as personal loans.
Do I need a good credit score?
No! We use Instant Banking Verification (IBV) to check your ability to repay the loan you are applying for. So, even if you’ve had some credit issues in the past, you can still apply and get approved for a loan.
