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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.
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
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.
Annual Percentage Rate Disclosure
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.
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 ?
Call us now and our customer service will take care of you. 1-866-825-1164
Credit Club Address15 Gamelin, Suite 401, Gatineau (Québec) Canada, J8Y 6N5
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As a licensed and responsible lender, we encourage you to review our sample borrowing costs below.
Please note that Credit Club is not a licensed lender in your area.
Credit Club is a licensed lender in Ontario.
Please review our sample borrowing costs and our Ontario license below.
View licence for this province
Cost per $100 borrowed
Example: Your $500 loan for 14 days / Amount Advanced: $500
Total Cost of Borrowing: $75 / Total you repay: $575
Educational material This poster is required under the Payday Loans Act, 2008
Credit Club is a licensed lender in British Columbia.
Please review our sample borrowing costs and our British Columbia license below.
View licence for this province
Maximum charges permitted in British Columbia for a Payday Loan 15% of Principal
We charge $15 per $100 borrowed
For a $300 loan for 14 days:
Total cost of borrowing = $45
Annual Percentage Rate = 391.07%
This information meets the requirements of the Business Practices and Consumer Protection Act