The Annual Percentage Rate (APR) represents the annualized cost of your loan. Our interest rate is 18%, but the total APR may vary depending on the loan term and any applicable fees. Please review your loan agreement carefully for the specific APR applied to your cash loan.

If you fail to make a payment on time, you may be subject to additional fees, such as Non-Sufficient Funds (NSF) charges. Late or missed payments can also negatively impact your credit score. We encourage you to contact us immediately if you anticipate difficulty making a payment.

We adhere strictly to Canadian debt collection laws and regulations. If an account becomes delinquent, we may use our internal collection team or a third-party collection agency. We are committed to treating all customers with respect and fairness during the collection process.

Our installment loans are not automatically renewed. If you require additional funds or wish to extend your term, you must apply for a new loan or a renewal, subject to our approval process and current eligibility requirements.