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Need cash fast? We can endorse you quickly and easily.

GET A GUARANTEED PERSONAL LOAN IN A FEW CLICKS WITHOUT AFFECTING YOUR CREDIT RATING.

Because we do not all have the same financial reality, Crédit24 offers you guaranteed support for obtaining a loan. An analysis and approval of your file is 95% guaranteed based on your current financial profile. In no case is your credit history taken into account. Crédit24 endorses your reality today and prefers to look to the future with you rather than the past.

NO ONE IS IMMUNE

We know that no one is immune from the unexpected. That’s why we’re committed to helping you, whatever your situation. Good or bad credit, we offer you a flexible range of personal loan endorsements.

Simple, fast and confidential, our online application process allows us to provide you with a response within a ONE HOUR MAXIMUM deadline and have your deposit request processed directly in your bank account THE SAME DAY.

A quick loan in a few clicks!

Need cash fast? Get a guaranteed loan in as little as 24 hours, confidentially and without a credit check!


You may fill an electronic application: it´s simple, fast and secure. No paper documents required! You can also make a standard application by email or by phone at 1 855 867-3322 (toll free): you must send us the required documents.


In less than 60 minutes, our team of professionals will analyze your application and confirm your eligibility for a guaranteed loan.

Your loan will be deposited directly into your bank account. No questions, no long wait and no problem!

Eligibility criteria

  • Be 18 years of age or older
  • Be a canadian citizen
  • Be employed at a stable job for at least 1 month
  • Have net earnings of at least $ 1,200 per month
  • Not about to file for bankruptcy or a consumer proposal

Required documents

Only for standard loan application

  • Bank statement for the last 30 days
  • Last pay stub
  • Specimen cheque or direct debit authorization form from your financial institution
  • Proof of identity (photocopy of driver’s license, health insurance card or passport)

Sources of income not accepted

  • Social solidarity
  • Family allowances
  • Maintenance payments
  • Loans and bursaries

Everyone deserves a second chance and we’ve got it for you.

A surety bond is an endorsement that allows you to access your loan despite an unfavorable debt ratio or a lack of credit history. The surety reduces the risk to the lender on your behalf.

  • Be 18 years of age or older
  • Be a canadian citizen
  • Be employed at a stable job for at least 1 month
  • Earn a constant net salary of a minimum of $ 1,200 per month
  • Don’t be about to go bankrupt

You are eligible for a guaranteed loan renewal when your balance is less than $ 180. This balance is proportional to the amount borrowed and may vary.

  • Unstable employment
  • Several bounced payments in your bank account
  • Unsatisfied consumer proposal
  • Incomplete form or incorrect information
  • Too high level of short-term debt

If your application has been approved and the contract is signed and returned by 1:30 p.m., you will get your funds by the end of the day. Otherwise, allow 24 business hours for the amount to be deposited into your account.

Our bond fees vary depending on the risk and the amount requested. Interest rates vary between 6.95% and 22%.

The debt will be sent to collection. The applicable interest is 1.84% per month, so 22% annually.

In addition, you will be charged a fee of $ 40 at the end of your contract if a payment is refused for insufficient funds or otherwise. However, please note that you can delay a payment for an administrative fee of $ 25.

No, self-employed workers are not eligible. To be eligible, you must have your salary deposited into your account by direct deposit. We accept people using CSST, employment insurance, disability insurance and annuity plans.

In some companies, the fax machine is available to employees. Ask your employer if necessary. In addition, various public places give access to this device. Here are a few examples:

  • Library
  • Pharmacy
  • Post Office
  • Wholesale Office
  • Copy center

By telephone

1-855-867-3322

Or write to us

Responsible lending policy

All endorsement applications are reviewed to ensure that you are able to repay the amount borrowed. Your application will therefore be analyzed and a debt ratio will be calculated. This analysis includes, but is not limited to, the following:

  • We check your bank account to make sure you haven’t made multiple bad payments;

  • We check that your income and expenses meet our criteria.

After analysis, if your file meets all our requirements, your application will be ACCEPTED.

Missed payments and credit score

A fee of 40 $ will be charged to your account if a payment is refused for insufficient funds or otherwise. However, this will not affect your credit score with Credit24.ca. Note that we will not report your file to the credit bureaus. If you are unable to make your payment, notify us by phone 48 hours in advance. A fee of 25 $ will be charged to your account. Repay your loan assiduously and we assure you unparalleled service during your next bond application.

Annual percentage rate (APR)

The APR on the borrowed amount is 22 %.

Responsible collection

Our collection practices are responsible and comply with the legal provisions in force in Canada. If there is a problem with the repayment of your personal loan, the debt collectors will make sure to find an agreement according to your repayment capacity. Interest is added to the unpaid balance when you fail to make the required payments. You are responsible for your financing and all associated legal fees.

Renewals

Renewing your secured loan does not happen automatically. You must request it.

Repayment term

The terms of the loans vary between 3 and 5 months depending on the amounts guaranteed.

Example of reimbursement

A secured loan of 750 $, including principal, bond fees and interest, will amount to a repayment of approximately 805 $.