Credit Club

The best lending services available

Become a member of Credit Club and discover all the benefits today!

As a direct lender, Credit Club is dedicated to providing you with a solution to meet your immediate money needs right from the privacy of your home. Our service has no hidden costs or charges and our members benefit from the lowest rates. Since 2012, thousands of Canadians have trusted us and given us 5-star reviews.

Certificates of Licence

Ontario Credit Club's certificate of licence

British Columbia Credit Club's consumer protection BC

Nova Scotia Credit Club's certificate of licence

Get your loan with these 4 easy steps

Apply online in minutes

Receive instant approval

Funded directly in your bank account

Repay upon your next payday

Apply now

Lender licence

Ontario 4726568

British Columbia 64068

Nova Scotia 222985929

Info

Get a loan

Fast - Simple - Secure

At Credit Club we are dedicated to providing you with a solution to meet your immediate money needs right from the privacy of your home.

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Online Payday Loans Across Canada

Credit Club is proud to offer loans online to the residents of Ontario and British Columbia. Citizens of Toronto or Ottawa can apply online from the comfort of their home and receive the funds usually the same business day. Canadians from Vancouver and Victoria know they can be approved even if they have less-than-perfect credit. Citizens of Hamilton and Mississauga can apply online in minutes and get instant approval.

Understanding our loan fees

Ontario and British Columbia : We charge $15 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $45 and the payback amount $345.

Nova Scotia : We charge $17 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $51 and the payback amount $351.

Annual Percentage Rate Disclosure

Ontario and British Columbia : Annual Percentage Rate (APR) varies from 90% to 390%. The minimum and maximum for repayment period is 62 days. For further details on APR, please refer to the FAQs and Pricing.

Nova Scotia : 443.21%.

Implications of non payment

Financial Implications - If a pre-authorized withdrawal is returned to Credit Club for any reason, including but not limited to "NSF" or "account frozen," it will be considered as a non-payment. In these cases you might be charged an NSF fee. You may also incur an overdraft charge from your bank. In addition, an annualized interest rate of 30% will accrue from the loan repayment date up to and including the eventual repayment date.

Collection Activity - We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail or email. Our collection agencies recover monies owed to us in a professional manner and in keeping with all lawful collections practices.

Impact on Your Credit Score - If you do not repay your loan to Credit Club, your credit score may be negatively affected.

Renewal of your Payday Loan ? Credit Club does not offer automatic renewals on its payday loans.

No unnecessary paperwork
Quick application process
No faxing required
Secure & Confidential
Need help ?
Email us now and our agents will take care of you.

Credit Club Address

15 Gamelin, Suite 401, Gatineau (Québec) Canada, J8Y 6N5