
Need information?
Below you will find more general information about our loans to help you make an informed and wise decision.
About Personal Financing
We offer a fixed interest rate of 26%, giving you financial predictability.
Here 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 fundsHere 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-employedTo apply, nothing could be easier! Simply fill out our application form and submit it.
Yes, we have a program specifically designed for self-employed workers.
Funds 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.
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.
About IBV
IBV (Instant Bank Verification) is the most secure technology on the market. It is considered to be as secure as the security systems used in major Canadian financial institutions. We never have access to any of your personal information, such as your password and username.
We simply need to access a read-only copy of your bank statement. As stated in our privacy policy, all information in your bank statement remains confidential and will never be shared.
At no time do we have access to your bank details. We are unable to even log into your account. We only receive a secure, read-only version of your bank statement.
This system makes your application process much easier and faster. You don't have to worry about finding a fax, a scanner or even sending a single document.
Terms
The interest rate is 26%, based on the total amount granted.
Our company complies with Canadian legal standards. If a particular situation arises during your period of use of our services, our customer service department is available to assist you in your payment deferral procedures, or any other request.
Personal loans offered by SC Finances are usually repaid in 10 weeks. Be responsible and borrow sparingly. We strongly suggest that you think about your needs and do not ask for more money than necessary.
About Car Loans
Of course! We are experts in this type of situation and several options are available to you. In addition, we specialize in 2nd and 3rd chance credit and our approval rate is among the best.
Privacy is of the utmost importance to us! In order to guarantee the security of your data, we have made sure that our site has all the necessary security features. Your personal information will therefore remain strictly confidential and will be used exclusively to offer you the best financing options.
Our primary goal is to offer you financing without having to pay a down payment up front.
Have you never borrowed money before, or are you just starting your credit? We offer options specifically designed for people with no credit history. By evaluating your overall financial situation, employment and other factors. After all… everyone has to get a first chance.
We understand that going through bankruptcy must have been a difficult ordeal. Although your credit has been seriously affected, this does not mean that it is not possible to obtain a loan. We offer financing options specifically designed for people who have experienced bankruptcy in the past. These programs take into account your current situation, your repayment capacity and other relevant factors. This is why, once this period is over, Accès Auto finance is here to help you!
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Contact :
11700 rue de l'avenir, Mirabel, QC J7J 0G7
450-847-4041
© 2024 SC Finances. All rights reserved.