Apply for a fast cash loan now
Looking for a quick cash loan? We can offer you a variety of loans up to $1,500. We deposit funds quickly into your bank account for any reason.
Apply now
We know that moving is expensive, that cars break down on a whim and that bills tend to pile up at the same time. We also understand that sometimes all you need is a little something extra for a happy birthday or vacation.
We love helping people here at Pas d’Crédit! Our fast loans are designed to help you get out of a tight spot quickly, so you can get on with life stress-free.
Our loans are a reasonable option that are customized to meet your financial needs.
Am I eligible?
Worried about past mistakes? Fear not; our bad credit loans are adjustable. When evaluating applications, we consider a variety of factors in addition to your credit history.
We don’t want you to fit a mold. Instead, our staff will pay close attention to your unique situation and do their best to help you.
Here are the complete eligibility requirements:
- Must be at least 18 years old
- Reside in Quebec
- Be employed for a minimum of three months and/or receive eligible income*.
- Be paid by direct deposit into a Canadian banking institution
- Not be in bankruptcy proceedings
- Receive a minimum income of $1,500 gross per month
Types of eligible income
- Salary
- Commission de la santé et sécurité au travail (CSST) (Occupational Health and Safety Commission)
- Société d’assurance automobile du Québec (SAAQ)
- Lifetime disability
- Retirement income
- Family allowance
Unfortunately, if your main source of income is welfare, youth allowance or higher education, or you make less than $1,500 a month, we’re not in a position to help you.
What can I do with a $500 loan?
- Emergency medical expenses: Cover the cost of urgent medical treatment, medication or doctor’s visits.
- Auto repairs: Fix a critical car problem, like a broken alternator or flat tires, that’s keeping you from getting to work.
- Utility bills: Pay overdue utility bills (electricity, water, heating) to avoid being disconnected.
- Groceries: Buy essentials to feed your family for a month.
- Shortfall on rent: Cover a rent shortfall to avoid eviction.
- Child care expenses: Pay for emergency childcare when your regular provider is unavailable.
- Telephone bill: Pay a telephone bill to maintain communication, especially in an emergency.
- Essential work equipment: Replace or repair essential work equipment (e.g. tools, uniform) that is needed for your job.
- Public transportation: Purchase a monthly public transportation card to get to work or important appointments.
- Prescription glasses: Replace lost or broken glasses.
How can I receive money quickly?
Most consumers can complete our simple, 100% online loan application process in minutes.
We offer an easy-to-use mechanism for submitting your ID and bank statements. If you wish, you can also e-mail documents to yourself.
With just one click, you can sign your contracts and receive your money.
Are loans available without a credit check?
Yes, we accept customers with credit problems, including past bankruptcies and defaults. Our flexible approach stems from our understanding that it can be difficult to obtain financing from banks and other lenders after suffering a setback. To avoid having to base our response solely on your credit history, we take a variety of factors into account, including your bank statements and financial capacity.
We recognize the prevalence of problems with obsolete telephone or electricity providers, but we believe that everyone deserves another opportunity. It’s all part of our friendly, personalized service.
And it doesn’t stop there. You’re in it for life when you join us; we’ll support you no matter what.
Apply for a loan online at Pas d’Crédit.
We work with the best no credit check lenders. We have a choice of lenders offering same-day loans.
Apply in 2 to 5 minutes, depending on your circumstances.
Check if you are eligible without affecting your credit score.
Receive an immediate response to your loan request.
Once approved, receive your funds the same day with an Interac electronic transfer or direct bank transfer.
Apply for a $500 loan today
We’re Quebec’s alternative credit specialists. Our knowledgeable staff understands your situation and will work to find a viable solution for you!
- Pay off your debts
- Pay your bills
- Pay off defaults
- Avoid bankruptcy
- Cover unexpected or emergency expenses
Contact us now if your credit record is less than ideal and is preventing you from obtaining a loan!
Unlock your new financial situation and boost your credit rating with Pas d’Crédit
Paying off your loan on time can increase your credit rating over time and have a positive effect on your future creditworthiness.
How we can help you improve your credit rating
Our goal at Pas d’Crédit is to help you realize your full financial potential. By applying for and repaying a loan with us, you can gradually increase your creditworthiness. Here’s how:
By paying your loan on time, you increase your credit score. Your credit rating (which is based on your credit history) can improve faster if you apply for and repay one of our loans on time, every time.
Full credit report
No Credit sends credit reports to Equifax and TransUnion, unlike many other lenders. As long as you repay your loan on time, we record your good credit behavior
Where can I find loans without a credit check in Quebec?
It’s possible to find lenders in Quebec who offer loans without a credit check as an alternative to traditional loans. Before moving forward, carefully compare offers from different lenders and evaluate the terms and conditions to get the best possible deal.
No credit check loans are generally offered by smaller lending institutions and present a higher risk than traditional loans. The absence of a credit check makes it harder for lenders to assess your ability to repay.
However, if you have a poor credit history or have already been turned down for a loan, a loan without a credit check may be right for you. These loans offer a fast solution for people needing quick access to funds without the time-consuming procedures of credit investigations.
Important information about variable lines of credit
How much interest do you pay each year (APR)?
We offer an interest rate of approximately 19.99% per annum. In the event of non-payment, the interest rate is 1.67% per month.
Payment policy
Use the following example to help you decide whether to borrow money with one of our short-term loans: A loan of $700 would be repaid in 9 installments of $136.57 per week.
In this case, the first amount is considered fully repaid before applying for a second loan.
A repayment schedule
Together, we’ll determine your minimum payment after checking your ability to repay the loan and the length of the payments you wish to make. You will be charged an administration fee until the loan is repaid in full.
Our credit accounts are flexible and can usually be repaid over a period of 3 to 6 months. However, full or partial payment can be made at any time.
*The repayment amount may not be less than 5% of the amount borrowed in the short term
About your credit rating and financial aid
Our business plan respects the rules established by Canadian law. If a problem arises while you’re using our loan services, we’ll help you find a way to repay the loan. Whether you need help or want to make changes to your loan, we’re here to help.
Your credit rating will not be affected by any transactions you make through our services, as we do not check with credit bureaus.