No Credit Check Loan

Get your loan without sending a single document!

NO CREDIT INVESTIGATION

1. Online Loan

Make your request by filling out the form.

2. Instant Banking Verification (IBV)

You’ll be approved in seconds!

3. Quick Loan

Deposited directly, you will receive the money the same day*.

*If your file is completed and approved before 11:00.

No credit Check = IBV (Instant Banking Verification) = No Stress

Direct deposit!

Collecting and sending your supporting documents can be very complex. With IBV technology, you won’t have that extra stress.

In addition, we strongly believe that in order to move forward, you have to stop looking back. That’s why we will approve you within minutes without doing a credit check.

* The simulator example is provided for illustrative purposes only and assumes that the borrowed sums have been repaid in full according to the agreed schedule, without any further withdrawals or cash advances being made before full repayment. The above example includes a weekly membership fee in the amount of $20, which must be paid by the client until the credit is repaid in full.

Loan Calculator

Amount to be paid

Every week

$62

by payment for approximately 91 days

Every two weeks

$106

by payment for approximately 112 days

Monthly

$246

by payment for approximately 92 days

Amount to be paid

Every week

$68

by payment for approximately 119 days

Every two weeks

$120

by payment for approximately 140 days

Monthly

$272

by payment for approximately 123 days

Amount to be paid

Every week

$80

by payment for approximately 126 days

Every two weeks

$137

by payment for approximately 154 days

Monthly

$292

by payment for approximately 153 days

Amount to be paid

Every week

$85

by payment for approximately 147 days

Every two weeks

$152

by payment for approximately 168 days

Monthly

$304

by payment for approximately 183 days

$500

Amount to be paid

Every week

$62

by payment for approximately 91 days

Every two weeks

$106

by payment for approximately 112 days

Monthly

$246

by payment for approximately 92 days

$750

Amount to be paid

Every week

$68

by payment for approximately 119 days

Every two weeks

$120

by payment for approximately 140 days

Monthly

$272

by payment for approximately 123 days

$1000

Amount to be paid

Every week

$80

by payment for approximately 126 days

Every two weeks

$137

by payment for approximately 154 days

Monthly

$292

by payment for approximately 153 days

$1250

Amount to be paid

Every week

$85

by payment for approximately 147 days

Every two weeks

$152

by payment for approximately 168 days

Monthly

$304

by payment for approximately 183 days

Why choose Alpha Loans?

Zero documents to send

You won’t have to send any document by fax or email.

Security & Privacy

Our IBV technology provides you with increased security and confidentiality.

Without credit investigation

Our procedure does not include a credit check.

Direct Deposit

Receive your loan the same day*, deposited directly into your account

*If your file is completed and approved before 11:00.

GET YOUR LOAN NOW

Testimonials

FAQ

What is the annual rate?

We work with the best financial institutions to offer you an annual interest rate of 23.99%.

Do you have an example of loans and payments?

Of course, if you need a withdrawal from your $750 facility, our team will ensure that the money is deposited directly into your account before the end of the day. Once you have received your loan, you will be able to pay it back in 10 payments of $120.
This information is given for example purposes only and assumes that the withdrawal made is repaid in full according to the agreed upon amortization schedule, without any new withdrawals or re-borrowing being made before the full repayment.
The above example considers a weekly membership fee of $20, which must be paid by the client as long as there is a balance owing on the credit facility.
The amount of the membership fees is subject to change at any time and Instant Loan reserves the right to modify the fees, their allocation, calculation and the terms and conditions of any new facility granted.
The above example does not include any administration fees, deferral fees, fees for drawdowns refused by your financial institution, re-borrowing fees, maintenance fees or other fees that may be imposed in connection with the occurrence of a default or your management and use of your facility.

What Happens If I Default My Payment?

Your pre-authorized payment has bounced back. In this case, you will be charged a $60 fee. Your financial institution may also charge you an “NSF” fee. It’s always best to make sure you have the necessary funds in place before your withdrawal date to avoid these fees.

Are there any other conditions?

There are still some details you need to know.

Renewal

The renewal of the loan is not automatic. It will be done after the client has made the application and it has been approved by our company.

Amortization schedule

Any initial drawdown on your facility will be amortized over a schedule of equal and consecutive payments allowing full repayment of amounts due over periods ranging from three to six months. Thereafter, any re-borrowing from the availability of your credit facility will be added to the principal then remaining due on any previous withdrawal and a new amortization schedule will then be agreed upon in order to amortize the repayment over a predetermined number of equal payments and the same will apply to any subsequent re-borrowing.

What about credit ratings and collections?

Don’t worry. If an incident happens and you can’t make a payment on time, our team will make sure to find a solution with you. However, we abide by Canadian lending standards and regulations. We are therefore obligated to demand full payment of all amounts, interest and other costs incurred if there is a default on an amended contract. Also, if we have any legal fees due to a default on your amended agreement, we will claim those fees and you will have to reimburse us for them. If, for any reason, we cannot agree to repay your loan, we will have no choice but to assign your file to a collection agency, which could affect your credit rating. It is therefore in your best interest to pay your payments on time.

Quick loans between 250$ and 1250$
available at all times!