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