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Why Canadians choose Credit Club when they need a short-term loan?

As a direct lender, we are dedicated to providing you with a solution to meet your immediate money needs right from the privacy of your home. Our service has no hidden costs or charges and our members benefit from the lowest rates. If you have an overdue bill, credit card payment or car repair and you need extra cash, Credit Club is your solution!

  • You can apply online 24/7 and the application process takes just a few minutes
  • Get your money in the next 24 hours
  • Easy repayment using direct debit
  • Perfect Credit not required

Online Loans Across Canada

Credit Club is proud to offer loans online to the residents of Ontario, British Columbia and Québec. Citizens of Toronto or Ottawa can apply online from the comfort of their home and receive the funds usually the same business day. Canadians from Vancouver and Victoria know they can be approved even if they have less-than-perfect credit . Citizens of Montreal and Québec can apply online in minutes and get instant approval.

APR Disclosure

APR varies from 180% to 546% for a term of 14 to 30 days for

first time customers. For further details on APR, please refer to the FAQs and Pricing.

Implications of non payment :

Financial Implications - If a pre-authorized withdrawal is returned to Credit Club for any reason, including but not limited to "NSF" or "account frozen," it will be considered as a non-payment. In these cases you might be charged an NSF fee. You may also incur an overdraft charge from your bank. In addition, an annualized interest of 30% will accrue from the loan repayment date up to and including the eventual repayment date.

Collection Activity - We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail or email. Our collection agencies recover monies owed to us in a professional manner and in keeping with all lawful collections practices.

Impact on Your Credit Score - If you do not repay your loan to Credit Club, your credit score may be negatively affected.

Renewal of your Loan – Credit Club does not offer automatic renewals on its payday loans.

* The 19% interest rate is taking into consideration that you were approved at that rate.

Category: Payday loans

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