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Loan application

Your application in a few minutes.

Two steps: you, then your income. Next, IBV bank verification takes the place of a credit check.

Eligibility criteria

Be 18 or older
Live and work in Quebec
Have been in the same job for at least 3 months, or receive eligible income
Be paid by direct deposit into a bank account
Earn at least $1,500 a month
Not be in bankruptcy
Salary, employment insurance, QPIP, CNESST, SAAQ and pensions. Last-resort benefits (social assistance, social solidarity) and self-employed status are not eligible.

What you will need

Online access to your bank account, for the IBV verification
One piece of ID: driver's licence, passport or health insurance card
The email tied to your bank account: the Interac deposit is sent there

01You
02Your income

Tell us about yourself

Your identity and your address, as they appear on your bank account.

Leave this field empty

How much do you need?

$250$500$750$1,000$1,250$1,500

Your details

Your identity and your address, as they appear on your bank account.

First name

Last name

Cell phone

Date of birth

The one tied to your bank account: the Interac deposit is sent there.

Your address

Search your address

Pick your address in the list to fill the fields below, or enter them yourself.

Civic number

Street

City

Province

Postal code

Apartment(optional)

At this address since

Have you borrowed from us before?

YesNo

Your main source of income

EmploymentSalaryEmployment insuranceQPIPParental insuranceDisabilitySAAQ, CNESSTRetirementPensions

Your budget

For an application in Quebec, this budget information is required.

Do you rent your home?

YesNo

Gross annual income (before tax)

Rent or mortgage, per month

Heating and electricity, per month

Car payment, per month

Other monthly payments (loans, credit cards)

A reference

Someone who knows you: a family member, a friend or a coworker.

Reference's first name

Reference's last name

Reference's phone

Relationship to you

Have you ever declared bankruptcy?

YesNo

I accept the terms of use and the privacy policy. I authorize Prêt Formula and its provider CreditBook to use this information to review my application and to verify my bank account.

After you send it, you continue to CreditBook's IBV bank verification, read-only.

Your information stays confidential.

A microcredit lender based in Longueuil. An online process, with a real team behind every file.

Our loans

$250
$500
$750
$1,000
$1,250
$1,500
No credit check

Access

Client portal
Apply online
Privacy

Contact

support@pretformula.com

Longueuil, Quebec

Monday to Friday: 8:00 a.m. to 4:00 p.m.

A loan is a commitment and should be taken on responsibly.