Terms & conditions

CREDIT CLUB understands that your privacy is very important to you

We want every customer, associate, and vendor to know how we protect a customer's personal information and financial privacy. This policy exists so that everyone can understand what our business practices are in relation to the personal information under CREDIT CLUB’s control.

Our privacy policy applies to our collection, use and disclosure of personal information of customers in Canada. Personal information means information about an identifiable individual, as more particularly described by applicable privacy laws. This policy does not apply to information about our employees or information that is not personal information.

Personal Information We Collect: CREDIT CLUB and its representatives and agents collect personal information in a number of circumstances in the course of providing you with payday loans and otherwise administering our business. We collect personal information primarily from you, for instance through loan applications and supporting information and documentation you provide. In connection with processing your loan application, we may collect personal information from credit bureaus. We may also collect personal information about you through your ongoing interactions with us. Personal information we collect includes:

  • information you provide to us on new customer cards, loan applications, account set-up screens, and other forms including your name, address, telephone number, email address, social insurance number (if provided), driver's license or other government photo ID, information about your employment, length at address, spouse or partner's contact information, references, salary, pay dates and other contact, financial or biographical information you provide to us;
  • bank statements, phone bills, cheque or pay stubs and voided cheques;
  • information about your transactions with us, our affiliates, or other non-affiliated third parties, including how often you visit our stores, your recent transactions, size of checks, telephone requests, services purchased and other retail transaction information;
  • information you provide to us on our website, including your name, address, email address and telephone number, to register for our website or receive marketing materials, or information you provide in an online survey; and
  • other information we may collect with your consent or as permitted or required by law.

How We Use It: CREDIT CLUB uses personal information in the course of its business including for the purposes of establishing and verifying identity and the accuracy and completeness of other information provided, verifying creditworthiness and determining eligibility for loan amounts, verifying and determining employment, references and contact information for underwriting, debt collection and fraud avoidance; servicing loans, providing ongoing services and responding to questions, contacting customers for the purposes of administering their account, confirming contact information and collecting debts, administering our business and maintaining records for reasonable periods, meeting legal, regulatory, insurance, security and processing requirements, preventing fraud or abuse, and otherwise with your consent or as permitted or required by law.

If you consent, we may also use your personal information to send you marketing materials or other information regarding CREDIT CLUB products and services. We may also disclose your personal information to affiliates or financial institutions with whom we have a joint marketing agreement, and with unaffiliated third parties who license CREDIT CLUB’s software, so that they may send you information about their own products and services. If you no longer want to receive marketing materials from us or no longer want us to share your personal information as described above, please call 1-866-825-1164 or contact us at info@creditclubloans.com.

Who We Share It With: CREDIT CLUB may disclose personal information to credit bureaus, credit reporting agencies and to your current or future creditors for the purpose of maintaining your credit history and providing credit references. CREDIT CLUB may disclose personal information to collect debts itself or to collect debts through collection agencies including affiliates acting in this capacity. CREDIT CLUB may disclose personal information to organizations who help us locate customers for debt collections purposes. CREDIT CLUB may also disclose personal information to financial institutions for payment processing purposes.

We may transfer personal information to outside agents or service providers (including affiliates of CREDIT CLUB acting in this capacity) so that they may perform administrative, marketing or similar services on our behalf, or otherwise collect, use, disclose, store or process personal information on our behalf for the purposes described in this policy. Some of these service providers or affiliates may be located outside of Canada, including in the United States, and your personal information may be collected, used, disclosed, stored and processed in the United States or elsewhere outside of Canada for the purposes described in this policy. Reasonable contractual or other measures we may take to protect your personal information while processed or handled by these service providers are subject to legal requirements in Canada, the United States and other foreign countries applicable to our affiliates, agents and service providers, for example lawful requirements to disclose personal information to government authorities in those countries.

CREDIT CLUB may use personal information and disclose it to parties connected with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets, for the purposes of evaluating and/or performing the proposed transaction. These purposes may include, as examples, permitting those parties to determine whether to proceed or continue with the transaction and fulfilling reporting, inspection or audit requirements or obligations to those parties. Assignees or successors of CREDIT CLUB may use and disclose your personal information for similar purposes as those described in this policy.

CREDIT CLUB may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law (including as required by applicable Canadian and foreign laws applicable CREDIT CLUB or our agents and service providers, and including lawful requirements to disclose personal information to government authorities in those countries).

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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 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.

APR Disclosure

APR varies from 90% to 390% for a term of 14 to 62 days for first time customers. 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 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 Loan ? Credit Club does not offer automatic renewals on its payday loans.

Do you have a bad credit ? Credit club has the solution for you.

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