Our loans range from $350 to $1 000

Opt for a

peace of mind

Regardless of your financial history, we accept all applications, provided you have had a stable income for the past two months. Not the case? We will still review your application!


Are you self-employed or a student?


No worries! Your request will be accepted if it meets our conditions.

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Drop-off in 1 hour

Receive your deposit within one hour of your application being approved. The evaluation takes place within 24 hours of submitting your application.

No refusal

Provided you have had a stable income for at least 2 months

Regardless of your financial history

Even if you have already declared bankruptcy, or your credit report has suffered recently

Your money in 1 hour

Following the approval of your application and the signing of your loan agreement, our assessment is generally completed within a maximum of 3 hours.

Guaranteed approval

If you have had a stable income for at least 2 weeks.

No matter your past

Even if you have already filed for bankruptcy, a consumer proposal, or if you do not have good credit.

No credit check

Your credit report will not be affected.

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Estimate your payments

* Amounts may vary slightly
For 3 months 350$ 500$ 750$
Per week 51$ 68$ 96$
Every 2 weeks 103$ 136$ 192$
Per month 208$ 275$ 387$

Functioning

All applications are being reviewed!

100% online

The entire process is 100% online. You can chat with us anytime!

Request

Fill out the application form and make sure you provide us with all the requested documents.

Signature

Once your application is approved, you will receive your loan agreement by email, which you can sign electronically.

Drop-off in 1 hour!

Deposits are made via Interac e-Transfer. Therefore, you must have a valid email address or cell phone number. It couldn't be simpler!

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Why choose us?

Give yourself a financial break

Drop-off in just 1 hour

100% online application

Regardless of your credit history

Self-employed workers welcome

Welcome to the students

No credit check

Obtaining my funding

Getting my funding today is quick and easy!

Obtaining my funding
Group 4

"I was finally able to buy the supplies I needed to start my business!"

Math

Group 4

"The service was very professional and I would gladly recommend them! My children had been asking me for a little trip for a long time... I was finally able to breathe a little easier with them :)!"

Sarah

Group 4

"Honest and reliable service. Quick and friendly too. We had to cover last-minute veterinary costs for our dog. He is so important to us. Thank you!"

Anthony

97%

of our requests have been accepted

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FAQ

What will your funding be used for?

  • There's no wrong answer! You can apply for a loan for any reason. Including:
  • Covering unexpected medical expenses;
  • Paying for car or home repairs;
  • Treating loved ones or yourself;
  • Providing care for your pet;
  • Avoiding non-funds payments (NSF) on your bank account, which won't affect your credit score;
  • Simply giving yourself a break!

    • Obtaining my funding

    Our eligibility criteria

    • Be at least 18 years old at the time of application;
    • Have recurring income for at least 2 weeks;

    • This income is all deposited by direct deposit;
    • You must not be bankrupt or in a consumer proposal.

    Obtaining my funding

    Who are we?

    Money4today is a company that offers microloans to individuals, self-employed workers, and anyone else seeking immediate support. We also offer a range of other accounting services for self-employed individuals, SMEs, and individuals. We are also known for our accounting and tax training programs, which guide those who come to us or who wish to start their own business.

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    Do you want to repay your loan early?

    No problem! The full loan balance at the time of signing can be paid and your financing will be marked as closed.

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    Renewal of your loan

    You can renew your loan free of charge when at least 75% of your current financing is paid.

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    What documents will you need to provide us?

    • Your bank statements showing your 2 prevous income preceding the date of your application;
    • Proof of residence (any bill showing your name and address);

    Obtaining my funding

    Annual rate

    Our annual percentage rate (APR) is 9.99%.

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    In what cases could your application be refused?

    • Your membership form is incomplete or contains errors;
    • You are unable to provide us with all the requested documents;
    • An unstable source of income for the last 2 income preceding the date of your application;

    Obtaining my funding

    How will your loan be repaid?

    All our loans, which range from $350 to $1000, must be repaid within a maximum of 3 months. We directly deduct your recurring payments from your bank account, which must be the same account into which your income is deposited. The frequency of your payments depends on the frequency of your income. For example, if you receive your pay weekly, we will deduct your payment once a week, on the same day your paycheck is deposited. The same principle applies if you receive your pay bi-weekly or monthly.

    Obtaining my funding

    Safety and conditions

    All our data is secured by an SSL certificate. Our funding application form is hosted by Jotform, which takes the security of your data very seriously. All links to Jotform forms and embed codes are secured (SSL) by default, and give all users the option to encrypt their data. 

    Obtaining my funding

    Responsible lending

    Credit is a tool, just like a hammer. This tool is neither good nor bad. It can help you achieve your goals if used properly. However, credit can have negative consequences if it is not used responsibly.


    Keep an eye on your finances! Here are some tips for managing your credit effectively*.

    01

    Set up direct debits

    Consider setting up direct debits through your bank or credit union. This will allow you to automatically pay your bills on the due date and ensure you have sufficient funds in your account.

    02

    Use your savings to pay your balances

    Remember that the purpose of an emergency fund is to cover unexpected recurring expenses. If you find yourself in more debt than you can afford, using your emergency fund can be a solution.

    03

    Sell a property

    Consider selling an asset that has associated costs. For example, selling a vehicle will provide you with money to pay off debts and may also help reduce other costs, such as gas and insurance.

    04

    Pay off the debt with the highest interest rate first.

    If you're carrying a balance on your credit card, it's likely the debt with the highest interest rate. Pay for your purchases in cash or with a debit card while you pay off your credit card to avoid going further into debt.

    * https://www.ic.gc.ca/eic/site/bsf-osb.nsf/vwapj/Programme-de-consultation-insolvabilite-05-Module-sur-l_utilisation-responsable-du-credit.pdf/$file/Programme-de-consultation-insolvabilite-05-Module-sur-l_utilisation-responsable-du-credit.pdf

    How is your credit score calculated?

    300 to 559

    Weak

    560 to 659

    Average

    660 to 724

    Good

    725 to 759

    Very good

    760 to 900

    Excellent