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Loans offered

Every installment is shown up front.

Apply onlineSee how it works
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Published example

$500 loan

$64.43/ 2 wk

6 installments, that is all

Amounts available
$250 to $1,500
Published payment rhythms
Weekly / biweekly
Early-repayment penalty
$0

01

Schedules

Published in black and white.

Payment schedules · 6 amounts

Choose an amount to estimate the installment

Sample schedules are indicative. The exact schedule is presented with your offer, before you sign. Early repayment is possible at any time, with no penalty.

02

Fees and renewal

Two adjustments, no surprises.

Client reviewing her payment schedule from her kitchen

  • Early repayment

    Reduce your balance or pay it off in full by Interac e-transfer at any time, with no penalty: you save the remaining fees.

    $0

    Penalty

  • Payment postponement

    Two postponements per loan, with a $35 fee each. Ask 72 business hours ahead so we can move the date before the withdrawal is processed.

    $35

    2 per loan

  • Payment modification

    Two modifications per loan, at no fee. You can lower an installment by up to 50 percent, for example from $100 to $50, with one extra payment added to the schedule.

    $0

    2 per loan

  • Missed payment

    Contact us: the missed payment can be moved to the end of the schedule or spread over the next installments (NSF fee of $50).

    $50

    NSF fee

  • Renewal

    Available once 75 percent of the original amount and related fees are repaid. Contact an agent to confirm eligibility.

    75%

    Of the loan repaid

A question about a postponement or a change? Write to us: support@pretformula.com

Ready to start

Choose your amount.

One online application, a fast response, and the exact schedule presented before you sign.

Apply online