© Copyright 2024 by Credit4You
* THIS IS NOT for ODSP, CERB, EI, Disability, Retired, Jobless Individuals.
Fast e-Transfer Loans in Canada
No credit checks! Apply and get funds instantly.
Get funds same day!
About Credit 4 You
We offer quick and secure pay-day loans
All you need to do is fill out our online application and complete the Instant Bank Verification (IBV). We understand that your information is important, that's why we use state-of-the-art encryption technology to keep your information safe.
No Credit Score Checks
We do not perform credit checks.
Flexible Payments
Depending on the frequency of your paychecks, you can repay your loan in 3 to 12 payments.
Licensed and Regulated
We are a certified lending company with the Office de la Protection du Consommateur (OPC).
How to Apply
Our Payday Loan Process
1) Apply Online
Fill out the application, choose your loan amount, and complete the Instant Bank Verification for quick processing.
2) Sign the Contract
Our automated loan system will automatically approve your application and send you the contract.
3) Deposit the E-Transfer
Once the contract is signed (normally 1 hour), the funds will be sent to you directly by INTERAC e-Transfer.
Get the Funds You Need Today
Start your application now to get access to your funds!
- Apply on our website
- Complete the Instant Bank Verification (IBV)
- Sign the contract and receive funds within the same day
Our FAQ
Frequently Asked Questions
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How Do I Apply?
You can apply online by filling out our online application form. Once all the information is completed, we will send you emails updating you on your application status.
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What is an IBV?
Instant Bank Verification (IBV) is the latest technology used by banking institutions. It allows us to obtain a copy of your bank statement and to confirm your information. With this system, you do not have to send us any documents, which allows us to approve you even faster.
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How quickly can I expect to receive the loan?
Our application process is streamlined for prompt service. Once approved, funds are typically disbursed within 30 to 90 minutes.
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Can I obtain a loan without undergoing a credit check?
At Credit4you, quick loans without credit checks are available. We evaluate your future financial prospects rather than your credit history.
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How are loan payments structured?
All our loan options follow a similar structure. The total amount, inclusive of capital and interest, is divided equally into 3, 6, 8, or 10 installments, depending on your pay frequency.
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Can I defer a payment?
Regrettably, the first and final payments of your loan cannot be deferred. Additionally, if you missed your previous payment, we cannot defer your subsequent payment, nor can we defer two consecutive payments.
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What should I do if I miss a payment?
If you miss a payment on your payday loan, it's crucial to promptly contact us at contact@credit4you.ca to explore available options. Missed payments may incur fees, potentially resulting in additional charges.
Our Testimonials
What our customers have to say
Not sure who I spoke to but she was very helpful, kind and understanding and made my first loan experience very fast and easy.
Irene D.
The customer service was great, the worker was patient and a good listener. Fortunately I got the loan amount that I wanted. Looking forward to loan again from Credit4You if I have to again. Thank you Credit4You!
Pat P.
Credit4You is always very helpful to my needs! Understanding when I needed the money quickly.
Donna M.
Leave us a review on TrustPilot
Welcome to Credit4You, we provide loans at a very reasonable interest rate and help you achieve your financial goals.
- contact@credit4you.ca