A lending solution you can trust

Get up to 1500$ in less than 24 hours : our process is 100% confidential and completely secure.

A timely option for quick loans

Get approved for an instant loan with no credit!

Quick and safe, with no credit verification.
Our online loan service lets you access quick cash in Canada with no credit check. Access your cash loan of up to $1500 to help you with day-to-day financial emergencies. 

Apply today without impacting your credit score!

family emergency loan

How do I get my loan?

100% online application

We provide our service exclusively online, in a fully secure manner. You will not need to submit a paper submission.

Processing your request

We will process your application on the same day for your eligibility. Your information is secure and will not be shared.

Get your money
right away

Once your online loan application is approved, you will receive the funds on the same day via e-transfer or direct deposit.

quick cash for everyday emergencies

Flexible repayment options

Pay off your loan at your own pace

At Credit Station, we understand everyone’s reality. That’s why we provide flexible payment options suited to your reality to help you pay off your loan.

Our cash loans come with a repayment term of over 62 days and an annual interest rate of 23.99% (APR)

* Additional fees may apply. Please read your loan agreement carefully. No lending license is required in Canada.

Fast, secure & CONFIDENTIAL service

Get Your Loan Approved Within Minutes

Our team will offer you financing options suited to your situation.
If you meet these requirements, you may qualify to get a loan!

Be 18 years or older.

Be a Canadian resident.

Have a stable employment for at least 3 months.

Receive a paycheck by direct deposit in a Canadian bank account.

Have a steady monthly income of $1,500.

Not be in bankruptcy proceedings or consumer proposal proceedings.

Frequently Asked Questions

Are you struggling financially and need access to quick cash? Credit Station has got you covered with our flexible financing options. Here are some commonly asked questions and answers about our loan services:

What is the loan application process like?

Our quick loan application process is straightforward and speedy, taking just 5 minutes from start to finish. This includes pre-approval, filling out the loan application, and linking your bank account to obtain a statement directly from your bank.

Can my application be declined?

Yes, we need to ensure that you have the financial stability required to repay the loan in accordance with our lending standards. We reserve the right to decline your application in the event that you do not meet our standards and/or if the information provided does not coincide with the data received from your financial institution.

Do you need to confirm my employment?

In order to qualify for a loan, we may request an employment confirmation. In such cases, we follow very strict confidentiality standards and we do not provide the reasons for our request to your employer. 

How long does it take to receive a response?

Expect to receive a response in less than an hour, except on weekends, banking holidays and the days following them.

What is the loan amount I can borrow?

Regardless of your credit score, we offer credit facilities ranging from $250 to $1,500.

What is the repayment process for the loan?

We will withdraw funds directly from your account following your income deposits. In addition to your capital and interest payments, we will also withdraw a weekly membership fee of $24 until the loan is fully repaid. We have an annual interest rate of 23.99%.

What are the requirements for obtaining a loan?

To be eligible for our financing, you must have/meet the following:

  • Be 18 years or older.
  • Canadian resident.
  • Have a stable employment for at least 3 months.
  • Receive a paycheck by direct deposit in a Canadian bank account.
  • Have a steady monthly income of $1,500.
  • Not be in bankruptcy proceedings or consumer proposal proceedings.

What can I use this kind of loan for?

Our credit options allow you to meet various needs, including paying for car expenses, rent, unexpected costs, overdue bills, and more.

How soon will I receive the money?

In general, you can expect to receive funds via Interac e-transfer within an hour of being approved.

What is the interest rate?

We have an annual interest rate of 23.99%

What happens if I cannot make my payment?

If you are unable to make your periodic payment, you will need to request a payment deferral of up to 72 hours (business hours) before your scheduled payment date. We will apply payment deferral charges to reschedule your payment date.

Ensure that you provide truthful and accurate information on your application form as it will be verified with your financial institution. Should you have any additional questions, please do not hesitate to contact us for assistance.

Are there any extra fees?

Weekly membership fee of $24, if there is an active balance.

What is an amortization schedule?

Your repayments will be spread over a set period, ranging from three to six months, depending on your loan amount. We do our best to match your repayment schedule with your reality. 

 

We determine your minimum payments together, according to your reimbursement capacity and the period during which you want to payback your facility’s balance. 

Note:
-Membership fees are payable as long as there is a balance owing on your credit facility.

At Credit Station, loans are repaid in an average of 3 to 6 months. Be responsible and borrow in moderation. We strongly suggest that you think of your needs and not apply for a higher sum than necessary.
This information below is an example and considers that the money used at the time of the first withdrawal has been paid back in full before making another cash advance. In the example above, the $24 membership fees are included in the repayment amount.

At Credit Station, we offer flexible repayment options, according to the terms of our client convention and can be repaid in an average of 3 to 6 months. You can choose to pay a partial amount or the whole balance at any time.

Example of a loan payment

For example, a withdrawal of $500 with bi-weekly repayments would look like:

1 – Available credit used: $500.00
2 – Payment on account: every 2 weeks
3 – Remittance on account: $120
4 – Total interest paid according to declining balance: $14.71
5- Annual interest rate: 23.99%.

This information is an example and considers that the money used at the time of the first withdrawal has been paid back in full before making another cash advance. In the example above, the $24 membership fees are included in the repayment amount.

is a great alternative to traditional financing for Canadians!

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Annual Interest Rate (APR)

The annual interest rate is the expression of the credit charge as an annual percentage. It must be calculated and disclosed in the manner prescribed by regulation. The established annual interest rate is 23.99%. CONSUMER PROTECTION ACT chapter P-40.1 (section 72)

Example of a loan payment

Upon completion of the online application and acceptance of the file by an agent, a **credit available up to $500** is granted to the client. Here is what the minimum payment schedule would look like. This is an example and for your information;

1 – Available credit used: $500.00
2 – Payment on account: every 2 weeks
3 – Remittance on account: $120
4 – Total interest paid according to declining balance: $14.71
5- Annual interest rate: 23.99%.

Credit Station Inc. operates with complete transparency and compliance with Canadian regulations. As a company that does NOT provide payday loans, we are not required to obtain a lending license. Brokerage and admin fees may be added to the installments. Always make sure to read your contract thoroughly.

We offer personal cash loans in these provinces

Quebec   Ontario   Manitoba   Nova Scotia  New Brunswick   British Columbia   Saskatchewan   Alberta  PEI   Northwest Territories   Yukon

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