Please note that...
Loans are not automatically renewed. To request a renewal, fill out the simplified form. Your credit rating will not be affected if you repay your loan on time. If you cannot repay your loan on time, interest of 22% per year will apply, and the debt will be sent for collection. You can postpone a payment, but you will have to pay a $25 administration fee. If your cheque is returned NSF, an additional fee of $40 will be charged. Obtaining or renewing a loan entails membership or renewal fees. Beneficiaries of CNESST programs, disability insurance and the Québec Pension Plan are welcome.
Our offices are located at 109 Bromont Boulevard, Suite 200, Bromont (Quebec) J2L 2K7. Please note that no services are offered at that address.
*Certain conditions may apply
Annual Interest Rate (APR)
We offer an annual percentage rate (APR) of 22%.
Loan repayment terms at Prêt sans enquête vary from three to six months.
Responsible Lending Policy
All online loan applications are evaluated to ensure and confirm that you, the borrower, have the ability to repay your loan. This means we will:
- Verify that your salary or sources of income meet our requirements.
- Check that you do not have an excessive number of NSF payments on your bank account.
- Determine the amount of your recurring housing expenses and other credit or lease contract payments that may interfere with your ability to repay your loan.
Following this analysis, if your file meets all our criteria, your request will be accepted.
Repaying a loan of $500 every 2 weeks in 6 installments amounts to $127.27 per payment, for a total of $763.64. This example includes membership or renewal fees that are added to the interest charged.
Repaying a loan of $1000 every 2 weeks in 9 installments amounts to $166.66 per payment, for a total of $1526.92. This example includes membership or renewal fees that are added to the interest charged. Membership fees or renewal fees for each file are independent of the interest claimed by the lender.
Our company uses responsible and lawful Canadian collection practices. If you have a problem repaying your personal loan, our collection agents will make an arrangement with you based on your ability to repay. Payments that are not made accrue interest on the outstanding balance. The borrower is responsible for all legal costs incurred in recovering the outstanding balance.
Borrow prudently and responsibly. Prêt sans Enquête provides help if you have no other solution. Our interest rate is higher than that of traditional financial institutions, so this type of loan should only be taken when all other options have been exhausted. A loan taken out in full knowledge of all the considerations involved may be the right solution for you. If you take out several short-term loans, your financial situation will deteriorate very quickly, and the debt will be impossible to repay.
Prêtsansenquete.ca is a Canadian company offering personal loans online without a credit check. We guarantee a professional, discreet, fast and secure service. Our goal is to provide personal loans to our clients regardless of the status of their credit reports.