With express processing, the money will be deposited in your account in less than an hour.
Tired of sleepless nights? Despite your best efforts, the bills keep piling up? Free yourself from the pressure of a lack of money with a secured loan with Cautionexpress.ca. Thanks to a fast and confidential process, get in less than 24 hours, a loan up to 2,000 $ deposited directly into your bank account. Treat yourself to a well-deserved break!
Credit investigation
Worried about being judged because of your credit history? Does the reason for your loan bother you? Get a loan regardless of your credit rating.
Same day deposit
Receive the desired amount directly in your account in less than 24 hours. No endless wait or travel required!
Secure and confidential
We use the highest security standards to safeguard your personal information.
Responsible lending policy
All endorsement applications are reviewed to ensure that you are able to repay the amount borrowed. Your application will therefore be analyzed and a debt ratio will be calculated. This analysis includes, but is not limited to, the following:
- We check your bank account to make sure you haven’t made multiple bad payments;
- We check that your income and expenses meet our criteria.
After analysis, if your file meets all our requirements, your application will be ACCEPTED.
Missed payments and credit score
A fee of 40 $ will be charged to your account if a payment is refused for insufficient funds or otherwise. However, this will not affect your credit score with Cautionexpress.ca. Note that we will not report your file to the credit bureaus. If you are unable to make your payment, notify us by phone 48 hours in advance. A fee of 25 $ will be charged to your account. Repay your loan assiduously and we assure you unparalleled service during your next bond application.
Annual percentage rate (APR)
The APR on the borrowed amount is 22%.
Responsible collection
Our collection practices are responsible and comply with the legal provisions in force in Canada. If there is a problem with the repayment of your personal loan, the debt collectors will make sure to find an agreement according to your repayment capacity. Interest is added to the unpaid balance when you fail to make the required payments. You are responsible for your financing and all associated legal fees.
Renewals
Renewing your secured loan does not happen automatically. You must request it.
Repayment term
The terms of the loans vary between 3 and 5 months depending on the amounts guaranteed.
Example of reimbursement
A secured loan of 750 $, including principal, bond fees and interest, will amount to a repayment of approximately 805 $.
Warning : Cautionexpress.ca is here to help you when all other available solutions have been considered. Our loan guarantee is offered at a higher interest rate than most financial institutions. Be careful and responsible when taking out a loan. If you have thought through and analyzed the situation carefully, a secured loan with us may be the right solution for your needs. Avoid taking out multiple short-term loans. It could worsen your financial situation and put you in debt indefinitely.
