
Learn how to get a loan in three easy steps
Complete our secure online form
We do not require any credit check to qualify you.
Get an instant decision on your application
We will process your request quickly and inform you immediately.
Get your money quickly and safely
We deposit funds directly into your bank account


99%* Pre-Approval Rate
99%* pre-approval rate
Simple and quick process
Our loan application process is quick and easy. Fill out the online form and get an instant decision.
Secure direct deposits
We offer secure direct deposits so you can receive your money quickly and safely.
No credit check
We do not perform any credit checks.
Discover our different types of loans
We offer a full range of loan services to meet your financial needs. Whether you need a personal loan or a mortgage or car loan, we are here to help. Our loans are fast, secure and without a credit check.
A secure process to get your loan quickly
Our services offer maximum security to protect your personal information. You can have peace of mind knowing that your data is safe with us.
Loan without credit check
Direct deposit into your account
Secure process

Yes, we have a program specifically designed for self-employed workers.
Here are the admission criteria:
– Be at least 18 years old
– Living in Quebec
– Be employed for a minimum of three months and/or receive eligible income*
– Be paid by direct deposit into a Canadian banking institution
– Not be in the process of bankruptcy
– Receive a minimum income of $1,500 gross per month
*Types of eligible income:
– Employee
– Quebec Parental Insurance Plan (QPIP)
– Occupational Health and Safety Commission (CSST)
– Quebec Automobile Insurance Company (SAAQ)
– Specific Solidarity Allowance (ASS) disability
– Specific Solidarity Allowance (ASS) Salary
– Various annuities
– Self-employedHere are the steps to obtain a credit facility:
1. Complete and submit the form
2. Perform a bank verification
3. If approved: complete the file
4. Deposit of fundsFunds are deposited within 24 hours. In some cases, additional time may be added due to deposit processing by your bank. Please note that we offer a VIP deposit service via Interac e-Transfer for immediate deposit, for a fee of $5.
You can request a payment deferral up to a maximum of 72 business hours before the scheduled date of your withdrawal. To make a deferral, a $30 fee is applicable. Please make the Interac transfer to arret@scfinances.ca.
Instant Bank Verification (IBV) is an essential process for users who want to take out a personal loan on our microloan site. This system quickly and securely validates an applicant’s banking details to ensure that the information provided is correct and up to date. When you apply for a loan, IVB instantly confirms the existence of your bank account and its ability to receive funds, significantly speeding up the loan approval process. This method also minimizes the risk of fraud, ensuring a safe and reliable transaction for all parties involved.
To apply, nothing could be easier! Simply fill out our application form and submit it.
Customer Service:
Monday to Thursday 8:30 a.m. to 4:30 p.m.
Friday 9am to 4pm
Saturday 9 a.m. to 12 p.m.
Sunday closed
Collection service:
Monday to Friday 8:30 a.m. to 6 p.m.
Saturday 9 a.m. to 12 p.m.
Sunday closed
When your application is sent (with the form and bank verification completed), a confirmation of receipt will be sent to you via email. Our agents will then carry out checks to find out what amount of facility can be granted to you. We will then inform you of the status of your application. If your file matches our criteria, the funds will be directly deposited into your account in the next few hours. Please note that a $5 fee is added for a direct deposit.

Contact :
11700 rue de l'avenir, Mirabel, QC J7J 0G7
450-847-4041
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