How it works

Fast - Simple - Secure

We provide short-term loans used for
immediate money needs from 100$ to 1,500$

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Apply online in minutes

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Receive instant approval

Import

Funded directly in your bank account

Repay

Repay upon your next payday

We have the solution for you

These loans are deposited directly into your bank account and withdrawn (plus fees) on your next payday. Basically, we provide a quick and convenient way to access a small sum of money for a short amount of time.

Application requirements

  • Have an active checking account in your name
  • Steady source of recurring income
  • Valid email address
  • Working phone number
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Your privacy is protected

Credit Club strongly protects your personal and financial information. We will never sell, rent or otherwise distribute your information; and we only share what's necessary to complete your requested transactions. See our privacy policy for full details.

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Credit Club
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Lender licence

Ontario 4726568

British Columbia 64068

Nova Scotia 222985929

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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 $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

Ontario and British Columbia : Annual Percentage Rate (APR) varies from 90% to 391.07%. The minimum and maximum for repayment period is 62 days. For further details on APR, please refer to the FAQs and Pricing.

Nova Scotia : 391.07%.

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

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