A Few Easy Steps
We have a quick and friendly process so you can stop stressing and get back to just living your life
1. Check your rate
Provide your information in a few minutes
2. Apply
You’ll hear back from us within one business day
3. Receive your funds
When your loan is approved we’ll deposit your money into your account
This DOES NOT affect your credit score
What can you use your loan for?
Grow your business
Take your next trip
Build up your credit
Funds for an emergency
Your big life events
All About Backers
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!
What is a backer?
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.
Do I need a backer?
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.
How do I find a backer?
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.
To qualify for a loan you need to:
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