Before starting your application, you must meet the following criteria.

• Be at least 18 years old.
• Have a Canadian bank account (active for at least 5 months) in which you are paid by direct deposit from your employer. We do not accept Koho.
• Have a stable job (for at least 3 months) and a monthly income of at least $1600, received by direct deposit from your employer.
• Have few or no non-sufficient fund transactions.
• Not be considering bankruptcy or entering into a consumer proposal.
• Be a Canadian citizen residing in Ontario, Newfoundland and Labrador, New Brunswick, Prince Edward Island, British Columbia, or Alberta.
• Have a low short-term debt ratio (minimal other active short-term or payday loans).