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3 Reasons to Choose Money911
Conditions and eligibility
Bonds and other services
Borrow responsibly
Responsible financing policy
Responsible collection
Renewal
Bonds and other services
Money911 alone and at its own discretion determines the fees for each of the financial products offered. It is important to understand that these fees are independent of the interest charged by the lender. There is therefore no interest charged on the additional costs but only on the guaranteed capital.
The interest claimed by the lender varies according to the amount of capital borrowed as well as the repayment period, while the surety fee varies only according to the amount of capital guaranteed.
In addition to this service, we can offer you help with drawing up a budget, consolidating your debts, and evaluating your ability to repay.
Do not hesitate to discuss this with one of our agents: they can help you! Obtaining a micro loan online may not be the best solution for you.
Borrow responsibly
If you are still looking for financing, we invite you to borrow responsibly. We know that we cater to a category of customers with higher credit risk, which is why you should expect to pay a higher interest rate than that of conventional institutions.
Be especially careful not to contract several types of micro-loans online at the same time because you could see your debt ratio increase drastically and thus find yourself unable to pay all your payments.
However, we can guarantee you this: you will never pay a higher interest rate than that permitted by the Consumer Protection Act. The fact remains that this type of financing should only be contracted in an emergency or when you have no other options for obtaining immediate financial assistance.
Responsible financing policy
All requests submitted to us must be subject to an analysis process in order to assess the repayment capacity of the person wishing to obtain a surety bond.
Anyone who claims to be able to offer you financing without analyzing your ability to repay is acting against the requirements of the Consumer Protection Act. If we want to remain compliant with the Act, we must check your monthly salary, the stability of your job, the way you manage your finances, your contractual obligations (lease, other credit agreements) as well as your credit history.
If you do not meet some of our eligibility criteria and we believe that you represent too high a risk, your application will be refused. Rest assured, however, that our first objective is not to harm you but to help you. For any approved request, we recommend that you carefully read the contract sent by the lender in order to know its terms.
Responsible collection
If you are having difficulty making your payments, we recommend that you call one of our agents to advise you on making an agreement with the lender. One of our main commitments to our customers is to respect customers in difficulty.
We are able to negotiate different forms of accommodation for you, such as deferrals or reductions in payments, subject to certain fees charged by the lender. In the event that you become unable to honor your commitments, be aware that responsible collection techniques will be used to process your file.
In the majority of cases, the borrower is responsible for all the legal fees incurred for the recovery of his debt and the latter can be demanded in full as soon as there is a breach of commitment on his part. Once your file has been transferred to the collection, we will not be able to do anything more to help you.
Renewal
Here are the criteria to be met:
- Be 18 years of age and over
- Be a resident of Canada
- Hold a stable job
- Receive your salary by direct deposit into a Canadian bank account
- Have a net income of at least $1500 per month
- Not having made a consumer proposal, debt consolidation or bankruptcy in the last 30 days or considering making a consumer proposal, debt consolidation or bankruptcy in the next 6 months
