Here are a few great reasons why our customers choose us for their payday loans:
We're fast & easy. From application to the disbursement of funds, borrowers can expect the lending process to take a grand total of 30 minutes. That's much quicker than any bank, credit union, or storefront lender can offer!
We love convenience. And we know that you do, too. That's why we've designed our entire borrowing process around making life easier for you! With Credit Club, you'll never have to leave the house, drive to a storefront lender, or even get out of bed (we support being comfortable).
We support iPhone & Android. If you prefer to fill out a loan application from your phone, we support you! If you have an internet connection, you can use your phone to apply online!
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
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 Address
15 Gamelin, Suite 401, Gatineau (Québec) Canada, J8Y 6N5