Eligibility
Do you qualify?
Our criteria are simple and income-based. Most Victorians — including those with bad credit — qualify. Check the basics below, then try our 30-second self-check.
Basic Requirements
What you’ll need
Four simple requirements. No minimum credit score.
19 or Older
You must be at least 19 years old and hold valid government-issued photo ID.
BC Resident
You need a permanent address in British Columbia to apply for a loan with us.
Regular Income
Employment, self-employment, pension, or benefits income — we look at all sources.
Active Bank Account
An active Canadian chequing account is required so we can deposit funds by e-Transfer.
You’re likely a fit if…
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You have bad credit, no credit history, or a past bankruptcy — we evaluate income, not just credit score
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You’re self-employed and banks have turned you down for inconsistent income
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You need funds for an emergency — medical bills, car repair, urgent rent
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You receive benefits, disability, or pension income
Things to know
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BC law prohibits us from issuing a new payday loan while you already have one outstanding
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Payday loans are capped at $25,000 under BC’s Consumer Protection Act
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First-time borrowers may start with a lower approved amount that grows with a good repayment history
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Applying uses a soft credit check only — it won’t affect your score
30-Second Self-Check
See where you likely stand
Answer four quick questions. This is not a credit check and doesn’t affect your score.
Question 1 of 4
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