Bad Credit Loans — Everyone Deserves a Second Chance
Your credit score doesn’t define you. Past mistakes, medical emergencies, job losses — life happens. We believe everyone deserves access to emergency funds. Get $300 to $3,000 regardless of your credit history.
Common Reasons for Bad Credit — We've Seen It All
Life doesn’t always go as planned. Here’s what brings most people to us.
Job Loss
Unexpected layoffs or reduced hours made it impossible to keep up with bills. Now you're back on your feet but your credit score still reflects that difficult time.
Medical Emergencies
Health crises don't care about your budget. Unexpected medical expenses can devastate finances and damage credit for years.
Divorce or Separation
Splitting assets and managing dual households often leads to missed payments and financial strain.
Student Debt
Starting your career with massive student loans makes building good credit nearly impossible.
Bankruptcy
Sometimes starting fresh is the only option. But banks won't give you another chance for years.
Youthful Mistakes
Bad financial decisions in your teens or twenties can haunt you for a decade. You've grown — your credit score hasn't.
We Believe in People, Not Scores
Traditional lenders see a number. We see a person. Your credit score is just a snapshot of your past — it doesn’t show who you are today or where you’re headed.
Maybe you’ve overcome challenges that would break most people. Maybe you’re working harder than ever to get back on your feet. Maybe you just need a break.
That’s why we exist. To provide fast, fair funding to Canadians who deserve a second chance. No judgment. No lectures. Just help when you need it most.
How Bad Credit Loans Work
Three simple steps. Your credit score never enters the equation.
Apply in 2 Minutes
Fill out our simple online form. We ask about your income, not your credit score. No documents required.
Get Instant Approval
Know within minutes if you're approved. We base decisions on your current income and ability to repay.
Receive Funds Fast
Sign digitally and receive your money via Interac E-Transfer. Most customers funded within 1 hour.
Bad Credit Loans FAQ
Your questions about getting loans with poor credit, answered.
What credit score do I need?
None! We don’t check or consider your credit score at all. Whether it’s 300 or 800 — it doesn’t matter to us. We approve based on your income and ability to repay.
Can I get approved after bankruptcy?
Yes. Past bankruptcy, consumer proposals, collections — none of it affects your application. We believe in second chances and look only at your current situation.
Will this loan help rebuild my credit?
We don’t report to credit bureaus, so this loan won’t directly improve your credit score. However, getting the cash you need can help you avoid missed payments on other bills.
Is the interest rate higher for bad credit?
No. Everyone pays the same fair rate of 18% APR regardless of credit history. We don’t penalize you for your past.
How much can I borrow with bad credit?
You can borrow between $300 and $3,000 depending on your income. First-time borrowers typically start with lower amounts and can access more as they build history with us.