Bad credit loans

Money when you need it most

Bad credit prevents you from borrowing money. Bad credit loans let you obtain money, even with a bad credit rating.


Like you, we’re real people. Questions? Concerns? Our team is always ready to help you.

You get your loan fast. Complete your application in 3 easy steps and receive a response within the following hour.

The consequences of bad credit

Bad credit doesn’t only affect your ability to borrow from the bank. It can also prevent you from getting a job, buying a car, or renting an apartment. Landlords, employers, dealers, and others often perform credit checks before making a decision.


What is “bad credit”?

Your credit corresponds to the status of your credit report. This is based primarily on your credit rating or your “FICO score,” which is a number between 300 and 900. Your credit rating is used by banks, lenders, and others to measure the risks to which they expose themselves by granting you a loan. The closer your credit rating is to 300, the worse your credit is.

The benefits of a bad credit loan

If you need money fast but your credit rating is low, banks and certain lenders will consider you to be high-risk and reject your application. By contrast, bad credit loans let you obtain a fast money loan despite your bad credit rating. They help you pay your bills quickly and thereby avoid penalties.


What is a short-term loan?

A short-term loan is a service that lets you obtain emergency funds quickly. This fast loan must be repaid within two years or according to the terms indicated in the contract.

What can a fast money loan be used for?

A short-term loan can be used to cover:

  • Bill payments
  • A weekend getaway
  • Unexpected expenses
  • Late fees
  • Fees generated by bounced cheques
  • Emergencies
  • Etc.

Short-term loans are ideal for dealing with urgent financial situations, but should not be considered long-term solutions.

When will you contact me?

After submitting your online application, a member of our team will contact you by phone or email.

We are open Monday to Friday from 10 am to 6 pm (EST).

For any application submitted during our business hours, a Cash Depot agent will contact you within the following hour.

When will I receive the funds?

For any application submitted outside of our business hours, we will contact you within the first hour of the following business day.

For any application completed before 11 am (EST), the funds will be deposited the same day.

For any application completed after 11 am (EST), the funds will be deposited within 24 hours.

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