© Copyright 2024 by Credit4You
* THIS IS NOT for ODSP, CERB, EI, Disability, Retired, Jobless Individuals.
Fast e-Transfer Loans in Canada
Need some extra cash? Get a quick loan today.
Same Day Approval
Welcome to Credit 4 You
We offer quick and secure pay-day loans
Our payday loans are designed to be paid back in a short period of time, usually within six or twelve payments. The application process is easy and secure. 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 Payment Amounts
Depending on the frequency of your paychecks, you can repay your loan in 6 or 12 payments.
Safe & Secure Process
We are a certified lending company with the Office de la Protection du Consommateur (OPC).
How to apply
Our Pay Day Loan Process
The interest rate of 15% is applied to the amount you borrow. Here are the requirements in order to be eligible for your loan.
- Applicant must be 18 years of age or older.
- Applicant must be a resident of Canada.
- Applicant must have a stable income for a minimum of 4 months.
- Applicant must receive their income by direct deposit into a Canadian bank account.
- Applicant must have a minimum income of $2,000 per month.
- Applicant must not have filed for bankruptcy in the last 6 months or consider filing for bankruptcy or a consumer proposal in the next 6 months.
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Read and Acknowledge The Credit4You Terms & Conditions
Frequently Asked Questions
Questions You May Have
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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.
Important Information
A Few Words From Our Company
Please borrow responsibly. We offer you a way to help you in difficult times. However, the interest rate is higher than the rate of local banks. If you’re in need of quick cash, our payday loans are the perfect solution. With easy and secure online applications, fast approvals, and flexible repayment options, we’re here to help you get the cash you need, when you need it. Apply now and get the money you need today.
Trusted Company
Get in touch with us
Have questions? Contact us.
Call Us
(226) 796-0710
Email Us
contact@credit4you.ca
Welcome to Credit4You, we provide loans at a very reasonable interest rate and help you achieve your financial goals.