Obtenez une avance de fonds allant de 300$ à 1500$ afin de répondre à n’importe quelle urgence financière.
WHO WE ARE
As a co-borrower, we help you find the loan that best suits your situation.
Years of experience
Unlike traditional loan applications, you can apply in just a few minutes, and no documents are required.
No credit check is required, regardless of your credit score. A fast and simplified process thanks to L'IBV.
Take advantage of lightning-fast money deposits into your bank account to handle any emergencies.
FAST LOANS
PLANIFIEZ VOTRE TAUX
Plongez dans l'expérience Prêts Éclair, où l'accès rapide et simple à des prêts allant de 300$ à 1500$ est garanti. Notre processus de demande en ligne simplifié et nos taux d'approbation élevés offrent une flexibilité financière pour répondre à toute urgence ou dépense imprévue.
Clients Satisfaits
CALCULATEUR DE PRÊT
Plongez dans l'expérience Prêts Éclair, où l'accès rapide et simple à un endossement de prêts allant de 300$ à 1500$ est garanti. Notre processus de demande en ligne simplifié et nos taux d'approbation élevés offrent une flexibilité financière pour répondre à toute urgence ou dépense imprévue.
OUR ADVANTAGES
No more endless waiting! Our online application process is fast and intuitive. Available 24/7, you can submit your request easily, wherever you are and whenever you want.
Our approval system is largely based on IBV technology (instant bank verification), which speeds up the process. You will receive an immediate response regarding your approval. This way, you can get the funds you need instantly, without the usual delays. We handle all the steps for you, allowing you to stay focused on what matters.
Once your request is approved, your cash advance will be transferred directly via Interac e-transfer in less than 2 minutes, regardless of the time of day. This flexibility allows you to respond quickly and effectively to any situation.
FAQ
Be 18 years or older, earn a minimum income of $1500 per month, be a Canadian resident, and not be in the process of bankruptcy or a consumer proposal.
Once your application is completed, if you meet our 4 basic criteria, you will receive a response within the next business hour. Please note that during high traffic periods, response times may be longer.
You can apply directly on our website using our online application form or by phone with a consultant at 1 (844) 697-2898.
Regardless of your credit history, at Prêt Éclair, we help you obtain financial assistance ranging from $400 to $2100. Our goal is to provide you with quick access to the funds you need, no matter your financial profile.
At Prêts Éclair, we understand the financial difficulties everyone can face, regardless of their credit score. Our flexible financing solutions are not limited to those with a good credit score. Even with a less-than-ideal credit score, you may still be eligible for a quick loan. We evaluate your request holistically, considering various factors to offer you the best possible solution.
You are eligible when 20% of your initial loan amount remains. To know the renewal conditions of your loan, simply refer to your loan agreement. Typically, once you've repaid your current loan according to the agreed terms, you can consider renewing it to obtain additional funds. Contact us directly for specific information regarding your situation and available renewal options.
Instant Bank Verification (IBV) is a tool used by financial institutions to access information about the accounts and transactions of individuals applying for a loan. For our part, this process allows us to verify your identity and obtain a secure copy of your bank statements, thus speeding up the analysis of your file. It is important to note that this data is not retained once the verification is complete.
Submitting incomplete or incorrect information, having fluctuating income or being self-employed, or having a history of rejected payments due to insufficient funds in your bank account or inability to repay.
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En savoir plusCo-borrower and additional services
Due to their credit history, our clients often face difficulties obtaining financing from traditional banking institutions. We work with lenders who are willing to grant you a loan, provided that a qualified co-borrower is included in your file. To manage the risk associated with this type of loan, the funds will be released in two phases.
In addition to our co-borrower service, we also offer personalized support for budgeting, debt consolidation, and assessing your repayment capacity. Feel free to consult our advisors—they are here to guide you!
It is important to note that a microloan may not necessarily be the most suitable solution for your situation.
Take out a loan responsibly
If you are still looking for financing, we encourage you to borrow responsibly. As we cater to clients with a higher credit risk profile, it is important to note that interest rates will be higher than those offered by traditional banking institutions.
Be especially cautious about taking out multiple online microloans simultaneously, as this could significantly increase your debt level and put you in a situation where meeting all your payments becomes difficult.
That being said, rest assured that the interest rates applied will never exceed the limits set by the Consumer Protection Act. However, this type of financing should only be considered in case of an emergency or when you have no other alternative for quickly accessing financial assistance.
Commitment to responsible lending
Any application submitted to us undergoes a thorough analysis to assess the applicant’s repayment capacity before obtaining a guarantee.
Anyone claiming to offer you financing without verifying your repayment ability does not comply with the requirements of the Consumer Protection Act. To ensure our compliance with this regulation, we must examine various factors, including your monthly income, job stability, financial management, contractual obligations (rent, existing loans), and credit history.
If certain eligibility criteria are not met and we determine that the risk is too high, we will have to decline your request. However, please know that our priority is to support you, not to penalize you. If your application is approved, we strongly recommend carefully reviewing the contract provided by the lender to fully understand its terms and conditions.
Responsible debt collection
If you are having difficulty making your payments, we recommend contacting one of our agents. They can advise you and help you negotiate an agreement with the lender. We place great importance on respecting clients facing financial difficulties.
Depending on your situation, we can negotiate various accommodation solutions, such as payment deferrals or reductions, subject to applicable lender fees. However, if you become unable to meet your obligations, responsible collection procedures will be implemented to manage your case.
In most cases, the borrower is responsible for covering all legal fees related to debt recovery, and the full amount may be claimed as soon as a contractual breach is detected. Once your case has been transferred to collections, we will unfortunately no longer be able to assist you.
Renewal of our guarantee
Just like financing granted by traditional institutions, our clients who have honored their commitments will have the opportunity to renew their guarantee.
Developing good repayment habits could also allow them to access a higher loan amount in the future or even qualify for other financial products. However, it is important to note that this does not impact your credit score with agencies such as Equifax and TransUnion.
Our services are not factored into your credit score calculation. To illustrate this more concretely: if we have guaranteed a loan that you repaid over a period of 2 to 6 months with regular payments, reducing the risk, we may consider guaranteeing a new request.
This way, you could obtain new financing immediately while starting repayment only after the final installment of your previous loan.
