Here it's simple, we endorse!

Borrow responsibly

If you are still looking for financing, we invite you to borrow responsibly. We know that we are targeting a riskier category of customers in terms of credit, which is why you should expect to pay a higher interest rate than that of conventional institutions.

Be especially careful not to take out 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 make all your payments.

However, we can guarantee you this: you will never pay an interest rate higher than that permitted by the Consumer Protection Act. However, this type of financing should only be taken out in cases of emergency or when you have no other options for obtaining immediate financial assistance.

Responsible financing policy

All requests presented to us must be subject to an analysis process in order to assess the repayment capacity of the person wishing to obtain an endorsement.

Anyone who claims to be able to offer you financing without analyzing your repayment capacity is acting against the requirements of the Consumer Protection Act. If we want to remain compliant with the Act, we must verify your monthly salary, the stability of your employment, the way you manage your finances, your contractual obligations (lease, other credit contracts) as well as your credit history.

If you do not meet some of our eligibility criteria and we consider that you represent too high a risk, your application will be refused. However, rest assured that our first objective is not to harm you but to help you. For any approved request, we recommend carefully reading 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

Just like in the field of financing provided by conventional institutions, all our clients who have faithfully honored their commitments will be offered the opportunity to renew their endorsement.

Establishing good repayment practices could also allow them to obtain higher capital on their next request or even access other types of financial products. Attention! This should not be interpreted as the possibility of improving your credit score with credit agencies such as Equifax and TransUnion.

Our services are not taken into account in the calculation of your credit score. Here is a more concrete example: if we have co-endorsed a loan for you that you repay over 3 to 6 months, regularly making all your payments and reducing our risk, we could then guarantee your next co-endorsement request.

This way, you could obtain new funds immediately and only start repaying after the last installment of your previous financing.