Build your loan
Payment calculator
Pick an amount and a payment frequency to see your payment.
Min $500 Max $1,000
Payment frequency
- No credit check
- Apply in 5 minutes
- Real-time processing
- 3 to 5 months to repay
Your payment
Example$70.00/ week
Your rhythm, over one month Weekly
- Amount
- $500
- Term
- 3 months
- Paid out by
- Direct deposit or Interac
- Annual rate (APR)
- 22%
Get your money deposited directly into your bank account!
*For illustration purposes only: your actual payment may vary depending on certain factors. Please refer to your contract for exact details. APR on borrowed amount is 22%.
Easy application
- 01 Apply in 5 minutes Fill out your online application in just a few minutes and get your money!
- 02 Instant processing We don't run credit checks and accept your application regardless of your credit history!
- 03 Direct deposit or Interac Money is deposited directly into your account the same day or within 24 business hours!
100% secure, 100% peace of mind.
Focus on what really matters, without worrying about money! Get a loan the safest way possible and move forward with your plans!
Get a loan
Urgent LoansnowReal-time processingGet your money now! No credit check!
A helping hand when life surprises you
Get the funds you need to cover an unexpected expense or get through a tough time!
Make ends meet
Keep going even when times are tough!
Clear your mind
Pay off a debt, rent, or an upcoming bill.
Cover a big expense
A practical solution to pay for an important purchase!
The easiest way to get a loan fast!
We know you don't have time to waste, so we don't either!
You submit an application
Fill out an online application in just 5 minutes!
Real-time processing
Our analysts process your application in real time, as soon as you submit it!
Deposited into your account
We deposit your money directly into your account!
3 to 5 months to repay
Repay easily over a period of your choice, up to 5 months!
Small loan, big difference!
Our small loans help you accomplish big things!
Much more accessible than you think!
Our credit solutions are accessible
You are 18 years or older
You are at least 18 years old at the time of your loan application.
You earn $1,200 or more per month
You receive income of at least $1,200 and your pay is deposited via direct deposit.
You are a Canadian citizen
You are a Canadian citizen and your bank account is Canadian.
You have been employed for 3 months or more
You have been employed for at least 3 months and your pay is deposited via direct deposit.
You are not in bankruptcy
You are not in bankruptcy or about to file for bankruptcy at the time of your application.
You have no excessive NSF payments
Your bank account does not have an excessive history of non-sufficient funds payments.
You are able to repay
Your short-term debt level allows you to repay your loan.
The following income sources are not eligible for a quick loan.
Self-employed- Child tax credit
- Retirement savings
- Student loans
- Any form of social assistance
FAQ
Check out answers to the most frequently asked questions or contact us to learn more.
Apply for your money now!
Because you don't have time to wait.
In life, some urgent situations need to be handled right away. Our mission is to provide our clients with the funds they need as quickly and easily as possible!
Fast application and deposit times- Innovative security technology
- Transparent contracts with no surprises
Urgent LoansnowDirect deposit or InteracResponsible lending and borrowing policy
At a glance
- Annual percentage rate (APR)
- 22%
- Repayment term
- 3 to 4 months
- Fee if a payment is declined
- $45
- Fee for a postponed payment, 48 hours’ notice
- $25
Responsible borrowing
We carefully review each credit application to ensure you can repay the borrowed amount. Your application will be analyzed and a debt ratio will be calculated. This evaluation includes, among other things:
- Verification of your bank account to confirm there are no non-sufficient funds payments.
- Evaluation of your income and expenses to ensure they meet our criteria.
If your file meets all our requirements after analysis, your application will be approved.
Fees for missed payment and credit score
A $45 fee will be charged to your account if a payment is declined due to insufficient funds or any other reason. However, this will not affect your credit score with urgentloans.co. If you cannot make a payment, please notify us by phone or email at least 48 hours in advance. A $25 fee will then be added to your account. By repaying your loan diligently, we guarantee exceptional service on your next credit application.
Annual percentage rate (APR)
The annual percentage rate (APR) on the borrowed amount is 22%.
Responsible collection
Our collection practices are responsible and comply with Canadian laws. In case of difficulty repaying your personal loan, our collection agents will work with you to find a solution adapted to your repayment capacity. Interest will be added to the unpaid balance if you miss payment deadlines. You are responsible for your financing and any legal fees that may result.
Renewals
Renewal of your credit is not automatic. You must apply for it.
Repayment term
Credit terms vary between 3 and 4 months depending on the amounts granted.
Repayment example
For a $750 line of credit, you will need to make a weekly payment of $74.29 over 221 days, for a total amount of $1188.26.
Warning:
urgentloans.co is here to help when all other solutions have been considered. Our credit is offered at a higher interest rate than traditional financial institutions. Be careful and responsible when taking out a loan. If you have carefully thought about and analyzed your situation, a line of credit with us may be the right solution for your needs. Avoid taking out multiple short-term loans to prevent worsening your financial situation and risking further debt.