Our Loan offers terms ranging from 6 to 60 months with a fixed Annual Percentage Rate (APR). In Saskatchewan, Alberta, and Ontario, the maximum APR is 48.99%, with a $5 document fee and a 10% administrative fee. For example, a $1,000 Flex Loan over 12 months with a 10% administrative fee results in approximately a bi-weekly payment of $54.15 and an approximate total cost of borrowing $394.47 ($1,394.47 including principal).In British Columbia, the APR is 55% with no administrative or document fees. For a $1,000 Flex Loan over 12 months, this yields a bi-weekly payment of approximately $50.40, resulting in a total cost of borrowing of approximately $310.40 ($1310.40 including principal).

*To qualify for the $25 Refer a Friend Bonus:Eligibility: The referee must be approved for a loan through our standard approval process.Validation Period: Your submission will be validated within 7-10 business days from the date of referral.Reward: If the submission is validated, the corresponding reward will be issued. The reward amounts are as follows: $10 for cheque-cashing referrals, $20 for short-term loan referrals, and $25 for long-term loan referrals.Inquiries: For any questions regarding the status of your referral, please email us at [email protected]: The program is subject to change or termination at any time without prior notice. The gift card reward is non-transferable and cannot be exchanged for cash.Fraud Prevention: Any fraudulent or false referrals will result in disqualification from the program.Compliance: In accordance with provincial regulations, clients residing in British Columbia are ineligible to receive referral rewards if they are referred for a PDL (short-term loan) product. However, all other products remain eligible for rewards within these provinces. Participants must comply with all applicable laws and regulations. By participating in our Refer a Friend Program, you agree to these terms and conditions.