How Micro-Loans Work
Please find below all the information about quick online loans.
Eligibility Criteria
To be eligible for our
loans, you must:
- Be 18 years or older
- Hold a stable job for at least three months
- Be paid by direct deposit
- Earn a net income of at least $1,200 per month
- Not be in the process of or about to file for bankruptcy or consumer proposal
- If you are self-employed, you must have an income proof (pay stub)
- Be a Quebec resident
Fast request
1. Fill out the loan application form
2. Connect securely with your bank to send us your bank statement below
3. Take a picture of the following three documents, e-mail them to documents@credit24.ca or drop them directly to your Customer space when activated
- Your last pay stub
- Proof of identity (driver’s license, health insurance card or passport)
- A cheque specimen or authorization form for automatic withdrawals at your financial institution
My bank credentials: who handles them, and why?
In turn, that connection is what allows you to receive the full Credit 24 experience.
Who: Flinks
Flinks is a Canadian FinTech company that creates the secure connections between non-banking, and banking platforms, to allow companies like Credit 24 to bring innovation to Canadian consumers.
How secure is Flinks?
The quick answer: very, very, very secure.
The medium answer: security is, to most, a topic that quickly becomes too technical to fully grasp, but even to those of us that are not too nerdy, the point to remember is this: when it comes to security, Flinks does not meet standards, it flagrantly surpasses them.
The longer answer:
What does ‘flagrantly surpass’, or ‘very, very, very secure’ looks like?
- Twenty seven thousand times more secure.
Market standards have an average API encryption key rotated every 18 months ; Flinks rotates Credit 24 encryption key every 15 minutes, or 1,500 times a month, or 27,000 times more often.
- Daily Penetration-testing (pen-testing)
Most large firms conduct what is called ‘penetration-testing’ (an aggressive security audit by an outside firm), every 3 or 4 months. Flinks conducts pen-testing every day, on 100% of its cloud assets.
- State-of-the-art cloud environment
Today, cloud environments are more secure than any type of environments. Flinks is using only the industry’s best practices on all aspect regarding data communication.
Why people trust Flinks?
Flinks’ is the leading bank gateway in the Canadian financial industry. Flinks’ solution is trusted by both FinTech companies, and financial institutions.
Everyday, tens of thousands of Canadian consumers are connecting their bank account to their favourite financial application using Flinks’ technology.
Non-urgent request, documents to provide:
- Fill out the loan application form
Documents to provide:
- A bank statement for the past four weeks
- Your last pay stub
- Proof of identity (photocopy of your driver’s license, health insurance card or passport)
- A cheque specimen or authorization form for automatic withdrawals at your financial institution
- Proof of residence of 30 days or less (a deed, tax statement or an invoice from a telephone or electricity company)
Paying Back Loans

Evaluating Your File
Identifying fees for insufficient funds in your account
Determining the amounts of other commitments, including those with other lending companies and validating the capacity repayment
If our evaluation is positive based on these criteria,
your application will be ACCEPTED.

Missed Payments and Credit Ratings
