Loan without credit check

Don't have good credit? No problem

When you apply to us for a money loan, there is no credit check, as we feel the amount is not large enough to require one. We are able to assess your ability to repay your loan simply by analyzing your completed application form when you apply.

Yes it is possible to apply for a small loan without a credit check! We will only validate that you have been employed for more than 3 months.

As for the rest of our evaluation for your loan application, we perform an instant bank check (IBV). This process allows us to view your bank statement for the past 90 days. This allows us to see the amount and frequency of your payments and ensures your ability to pay. It is this verification that allows us to make money loans without a credit check

Criteria for evaluating to get a loan

Yes it is possible to get a mini money loan even if you have had bad credit in the past. We do not rely on a credit check to analyze your loan application, because we know that no one is immune to unforeseen circumstances:

All of these situations can cause financial worries and affect your credit rating which can lead you to believe that you are no longer eligible for a loan, no matter how small. But this is not true! Your bad credit is not taken into account when we analyze your money loan application

When we evaluate your ability to repay your money loan application, we only look at the last 90 days of your bank statement. Since there is no credit check, you don't build up your credit.

Get a mini loan despite bad credit?

We perform the analysis for your loan application only on your answers indicated in your loan application form. And since we do not perform any credit investigation, we also ask you to provide us with some documents in order to validate your information and make sure that you meet our selection criteria which are as follows:

Be over 18 years old;
Work and reside in Quebec;
Be employed for more than 3 months;
Be paid by direct deposit;
Not be self-employed;
Not be on welfare;
Not have too many loans with a loan agency;
Not have too many NSF checks in the last 60 days.

You will get a confirmation of your mini loan in just 60 minutes if all the mandatory documents are properly filed in your online profile when applying for the money loan.

Testimonials

“

A money lending company that is truly trustworthy. I am on my third money loan with you. Merci!

Etienne Tremblay
“

Thanks again for your impeccable service. You are fast and efficient, and my money loan was truly tailored. You have my full trust; I highly recommend you.

Mathieu Boucher
“

Thank you very much for your quick response. Your company deserves all my admiration. I obtained my money loan without delay, and all the conditions were met. You can be sure that I will recommend you!

KB

A loan commits you!

A loan commits you and must be contracted responsibly. This type of loan incurs higher fees than a traditional bank loan and should only be used in case of necessity and when no other options are available to you.

NEED HELP?

Feel free to contact us! Our agents are available to assist you. support@pretformula.com