Pre approval Lamina

Important information before starting:
Policy concerning responsible loaning

Applications go through a fast approval process to ensure the applicant has the means to fully reimburse their loan. This process may include, among others, verifying that your salary will cover loan expenses, that you haven’t missed too many payments in the past, and that you don’t have a large amount of short term loans already under way. Because of this obligation, we reserve the right to refuse applicants.

Missed payments

If any payments are refused from your banking institution, for insufficient funds or any other reason, You will be charged an administrative fee of $45

Credit scores

This situation will not affect your credit score with any credit agencies.

Responsible collection

Our collection department uses work methods you can rely on. If you miss a payment, our collection officers will reach out to you to advise you of missed payments and, if necessary, make additional payment arrangements at their sole discretion. When you miss a payment, interest on the capital borrowed continues to accumulate.

APR

Lending companies partnering with us offer an approximate annual interest rate of 28% to 32%. If unpaid, the applicable interest rate is 2,66% per month (32% per year).

Our minimum loan amount is $300 up to $1000 maximum.

Renewal

NO loan is automatically renewed, the customer needs to ask for a new loan.

Repayment term

Repayment term of our loans is from between 12 weeks to 18 weeks

Repayment example

If you request a $500 loan reimbursed over 6 installments, each payment will be $127.67 for a total amount of $760.00.
This information is given as an example only and includes the brokerage fees that are added to the borrowed capital.

Be responsible !

Used responsibly, short term loans may be the right solution for you. However, short term loans have higher rates of interest and fees than loans obtained through a local chartered financial institution. This type of service should be used as infrequently as possible or in the case where no other alternative solution, at lower rates of interest, are available to you. Taking out several loans of this nature will burden you with debt and lead to serious financial trouble.

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Please complete this form using Google Chrome if you're applying on a computer. Smartphones have no issues.
We can pre-approve you in 3 minutes. Change your answers by scrolling up. You might be able to complete the application without any documents, or speaking to an agent, and get funds before 10 a.m. tomorrow morning.
Choose as many as you like

A
Ok. I will.
OK

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Would you like to continue in English? Aimeriez-vous continuer en Français?
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A
English

B
Français
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What Province do you live in?
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A
Ontario

B
Quebec

C
Nova-Scotia

D
PEI

E
New-Brunswick

F
Newfoundland

G
Manitoba

H
Saskatchewan

I
Alberta

J
British Columbia
OK

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What is the source of your revenue?
Choose as many as you like

A
Salary from work

B
Retirement pension

C
Child Tax

D
Self-Employed

E
EI - Employment Insurance

F
ODSP

G
Disability Benefits

H
Workers Compensation

I
Other
OK

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Since the source of your revenue wasn't on the list, please enter it here.

OK

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What is the frequency of your deposits and how much are you paid on that frequency?

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Pay frequency
Choose as many as you like

A
weekly

B
every two weeks

C
semi-monthly

D
monthly
OK

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The amount you usually get paid {{answer_26470102}}

OK

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How do you get paid?

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Revenue deposit method
Choose as many as you like

A
Direct deposit

B
Cheque

C
Cash
OK

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Do you always deposit your cheques in the same bank account?
Y
Yes

N
No
Do you deposit your cheques {{answer_26470102}} on the same day and frequency?
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A
Yes, my cheque deposits follow a consistent frequency.

B
No, my cheque deposits are inconsistent because of timing or other.
OK

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After your cheque is deposited, do you leave money in your account?
Choose as many as you like

A
Yes, I leave most of my pay in my account.

B
No, I withdraw most of my pay to cover my bills.
OK

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Do you have any payday loans / short term loans being deposited or withdrawn from your account right now?
Choose as many as you like

A
None

B
One

C
Two

D
Three or more
OK

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Do you have any stop payments, or late fees in your account in the last two months due to missed payments?

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Stop payments
Choose as many as you like

A
None

B
One

C
two - three

D
four or more
OK

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Late fees (NSF)
Choose as many as you like

A
None

B
One

C
Two - Three

D
Four or more
OK

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Have your pays been steady, always around ${{answer_26470110}} {{answer_26470102}} in the last two months?
Y
Yes

N
No
Based on your answers, we can pre-approve you for a loan!

Great!

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You can borrow the highest amount a 1st time customer can borrow which is $750. Loans go up to $1000 over time, and you can borrow as low as $300. We'll discuss the amount and cost in just a moment.
Choose as many as you like

A
Ok, how do we proceed?

B
No thanks, it won't do.
OK

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However, because of certain conditions above you can borrow up to $500. You can borrow as low as $300. We'll discuss the amount and cost in just a moment.
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A
Ok, how do we proceed?

B
No thanks, it won't do.
OK

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Based on your answers, there's still a chance for you to be approved, but we can't guarantee it until you've completed the process.

Ok

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That said, if you're approved, you can borrow the highest amount a 1st time customer can borrow which is $750. Loans go up to $1000 over time, and you can borrow as low as $300. We'll discuss the amount and cost in just a moment.
Choose as many as you like

A
Ok, how do we proceed?

B
No thanks, it won't do.
OK

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Also, because of certain conditions above you can borrow up to $500. You can borrow as low as $300. We'll discuss the amount and cost in just a moment.
Choose as many as you like

A
Ok, how do we proceed?

B
No thanks, it won't do.
OK

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Do you have an e-mail address?
Y
Yes

N
No
What is it please?

You will not receive any spam from us or 3rd parties!

OK

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Once you've completed the process, we'll send you a contract to sign electronically on your smart phone or pc and agree to the terms we're discussing now. This is the e-mail you just provided: {{answer_28335540}}
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A
I will sign my contract online.
OK

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Once you've completed the process, we'll send you a contract to sign and return by fax. We'll suggest where to find one in a moment.
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A
Ok, I will call to give you my fax number.
OK

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What bank do you bank with?
Your bank could be in this list:
Ok. What bank do you bank with?

OK

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Do you have access to your account online?
Y
Yes

N
No
You don't have to return any documents, or call to speak to an agent. Everything can be completed online in the next 15 minutes.
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A
How does that work?
OK

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We'll send an e-mail with a link you can use to automatically return a bank statement. With this step we can confirm your approval instantly. Otherwise you have to return 4 documents and the process is longer.
Choose as many as you like

A
I will complete the process online

B
I would rather send some documents
OK

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Because your bank doesn't return bank statements automatically through a 3rd party service we use, you'll have to return some documents to complete the application.
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A
What are the documents?
OK

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Because you don't bank online, you'll have to return some documents to complete the application.
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A
What are the documents?
OK

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You'll have to return these 4 documents :

A recent paystub
A void cheque or PAD agreement
30 days of banking
A valid photo ID
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A
How can I return these documents?
OK

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You'll have to return these 3 documents :

A void cheque or PAD agreement
40 days of banking showing two deposits in sequence
A valid photo ID
Choose as many as you like

A
How can I return these documents?
OK

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You'll have to return these 4 documents :

- A recent paystub
- A void cheque or PAD agreement
- 40 days of banking to see 2 deposits in sequence
- A valid photo ID
Choose as many as you like

A
How can I return these documents?
OK

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You can take photos or scans of your documents and return them by e-mail to documents@lamina.ca or you can return them by fax to 1-844-go-go-FAX (464-6329).
Choose as many as you like

A
I will send them by e-mail

B
I will send them by fax
OK

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You can go to Staples.ca and us their store locator to quickly find a fax near you. Otherwise, you can find a fax at most corner stores, photocopy shops, pharmacies, the post office, your local library or at work.
Choose as many as you like

A
Ok, thanks!
OK

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Once you've found a fax, you'll have to call 1-800-NEW-CREDIT and give us your fax number to receive your contract.
Choose as many as you like

A
Ok, I will call with the fax number.
OK

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Thank you for completing the pre-approval process. Are you interested in completing the application now?
Choose as many as you like

A
Yes, I'm interested

B
No, I'm not interested
OK

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Add text here & show {{var_price}}

Continue

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Please enter your credit or debit card number:

OK

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The month and year your card expires:

OK

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The CVC number:

(3 or 4 digit security number on the back of your card)

OK

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The name on your card:

OK

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We appreciate your interest in our services. Unfortunately, applicants who are paid by cash are not eligible for a loan.

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We appreciate your interest in our services. Unfortunately, your revenue doesn't meet the minimum required amount to be eligible.

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We appreciate your interest in our services. Unfortunately, applicants who are paid by cheque have to deposit their cheques in the same account, on a consistent frequency, and leave some money in the account to be eligible.

Back to website

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Thank you for your interest in our services. We're sorry we couldn't be of help to you today.

to lamina.ca

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Let's select the amount you want to borrow, see the cost and create your profile. Please do not close your browser window as the loan application can take up to 3 minutes to load. The application shouldn't take more than 10 minutes of your time. If you completed this form with Internet Explorer you will not be redirected.

Let's go!

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Let's select the amount you want to borrow, see the cost and create your profile. This shouldn't take more than 10 minutes of your time. If you completed this form with Internet Explorer, you will not be properly redirected.

Let's go!

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Thank you for your interest in our services. Unfortunately applicants who are on a {{answer_26470101}} source of income are not eligible.

Thank you for your interest in our services. Unfortunately applicants who have 3 or more active short term / payday loans are not eligible for a loan.

Thank you for your interest in our services. Unfortunately applicants who have 4 or more stop payment fees in the last 2 months aren't eligible for a loan.

Thank you for your interest in our services. Unfortunately applicants who have 4 or more NSF or late fees in the last 2 months are not eligible for a loan.

Thank you for your interest in our services. Unfortunately, applicants whose most recent pays were less than usual, because of sick leave or vacation for example, aren't eligible for a loan.

On vous redirige au formulaire en français.

Allons-y

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On vous redirige au formulaire en français.

Allons-y

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Happy Holidays to you and yours from all of us at Brokers Lamina and Lamina.ca!

Unfortunately, we don't currently offer loans to customers residing in {{answer_71222496}}. Best of luck!