Frequently Asked Questions

What do I do if I have questions about my loan?

Contact us either by phone or email, go to the Contact Us tab for more info.

Do I have to own a home to qualify for the loan?

No. Our program is designed to give loans for both unsecured (no home) and secured (home or other assets) as well as having co­signors assist. We have the most flexible program in Canada all designed to help people rebuild faster and build a strong financial position.

What is a co­signer?

A co­signer is a person that agrees to join the primary borrower in being responsible for the payment and loan obligation. All co­signers are fully responsible for payment just as the borrower is. You may benefit from using a co­signer if that co­signer strengthens the creditworthiness or ability to pay.

How do I pay off my loan early?

Contact us to see exactly what your payoff is on your loan. We can prepare a final payout amount and have it sent to you. We encourage our clients to seek early payouts if and when possible. It increases your credit score, gets rid of your monthly payment, and completes your restructuring process.

Does my loan have insurance?

Contact us to inquire if your loan has insurance, this is a specific detail that is unique to every loan. We recommend you add insurance as it protects your loan in case of death, loss of income or disability.

How do I submit an application?

Click here to start and walk through the steps it prompts you to.

What happens if I miss a payment?

We are constantly monitoring our accounts. If you miss a payment expect to get an email from us asking for you to make an immediate payment. We understand that in life things happen. We are here to work with you to resolve and help you catch up so you don’t fall into the same trap as before.

How do I know if I have qualified for the loan?

Once a loan application is submitted online our loans department goes to work right away. Most loans are either issued a term sheet outlining the terms of the loan or our loans offices may contact you because they require more information before making a decision. Our loans are always character based so we are looking for people who are serious about solving their current financial problems and moving on with their life.

We are building a company that makes a real difference in people’s lives.

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