I don't have a good credit score—can I qualify for a loan?

Yes! Capital Cash loans do not require a credit check. We use Instant Bank Verification (IBV) to assess your repayment capacity.

What does IBV stand for? Collapse

IBV is a platform that allows us to get an overview of your banking transactions from the last 90 days, without requiring additional documents or a credit check.

What is the difference between a quick personal loan and a traditional loan granted by banks?

Quick personal loans are not based on your credit history, but rather on your banking history (IBV). This allows you to obtain a loan even with a low credit score. However, higher fees may be associated with quick loans.

Do I need to provide any documents?

The only required document is a scan of your valid ID. The entire process is completed online, with no need for additional documents.

How soon will I receive the money?

Once the contracts have been signed and approved, the funds will be available within 24 hours. They will be transferred to you via Interac e-Transfer to the email address you provided during your application. If your application is completed before 1:00 PM, you could receive the funds the very same day.

Can I make changes to my file? (Payment schedule, bank account, etc.)

Yes! You can adjust the payment amount and dates by contacting our representatives at least 72 business hours before the scheduled payment date. You can also change the bank account associated with the transfers.

What happens if I miss a payment?

If you miss a payment due to insufficient funds, please contact us promptly. We can offer two options: deferring the payment to the end of the schedule, or spreading the missed payment across future payments. Please note that a $50 NSF fee will be applied for a missed payment.

How can I contact you to discuss a schedule change?

You can contact us by phone, email, or text message to discuss any schedule changes.

What happens if I miss several consecutive payments?

If you miss three consecutive payments, your file will be suspended and transferred to a collection agency. This may have a negative impact on your credit score. Please contact us promptly to make an arrangement.

When can I renew my loan?

Generally, you can renew your loan once you have repaid 75% of the original amount and associated fees. To check your eligibility for renewal, please contact us by phone, email, or text message.

Can I postpone a scheduled payment if I have insufficient funds?

Unfortunately, it is not possible to postpone a payment once the fixed-date transaction process has begun—that is, 72 hours prior to collection. We recommend contacting us before this timeframe if you anticipate having an insufficient balance for your next payment, so that we can find a solution tailored to your situation.

Is it possible to replace a scheduled withdrawal with an Interac e-Transfer?

No, automatic withdrawals cannot be replaced by an Interac e-Transfer. However, you can use an Interac e-Transfer to reduce your balance or pay it off in full between automatic withdrawals.

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