A Few Easy Steps
We have a quick and friendly process so you can stop stressing and get back to just living your life
If your credit score is a bit low, having a backer drastically increases your chances of being approved.
Actually, over 95% of applications with a backer are approved!
A backer is a co-signer that helps you qualify for a Finjoy loan. Their income and credit history make it easier to approve your loan, as they pledge to make payments on your behalf if you’re unable to.
With a healthy credit profile, you probably don’t need a backer. If you’re building your credit history, that’s all right too—it just means you’ll need a backer to help you qualify for the best Finjoy loan possible.
Think of your backer as a safety net. So, when searching for one, you should look to someone in your family or a close friend that have a good credit history and is willing to co-sign with you.
Be a resident of British Columbia
Have employment income
Provide us with a bank statement
Be a Canadian citizen, permanent resident, or have a work permit