Installment Loans for Bad Credit
Many lenders in our network deposit funds the same day you sign
Get an Installment Loan Faster & Easier
We like to keep things simple. You need money, and we can connect you with lenders who can help. We understand the need for short-term loans when you need to pay urgent bills. Everyone deserves a second chance. Lenders in our network offer installment loans to Canadians with bad credit, repaid over months instead of on your next payday. We are there to help and develop a mutually beneficial and trusting relationship.
Funds often the same day you sign
Repay over 90 to 120 days
Bad credit can still be approved
Rebuild your credit with a secured card
A loan isn't the only way forward. If your goal is a better credit history, our network partner Achilles Finance offers the Achilles Secured Mastercard®, issued by Zūm Rails.
- Your security deposit of $200 to $5,000 sets your credit limit.
- $12.99 a month plus tax, with no interest charged on that monthly fee.
- Zūm Rails reports your payments to Equifax. Paying on time helps rebuild your credit history, and late or missed payments can be reported too.
- Interest and fees on purchases are set out in the cardholder agreement you sign with Zūm Rails.
Prefer a prepaid card?
The Achilles Prepaid Mastercard®, also from Achilles Finance and issued by Zūm Rails, is reloadable and works anywhere Mastercard is accepted. There is no credit line and no interest: you spend what you load. It costs $9.99 a month plus tax (for example $11.29 in Ontario, $11.49 in Quebec or $10.49 in Alberta). To see if you're eligible you answer one question, your province, and there is no credit check. It does not build or rebuild credit, because nothing is reported to the credit bureaus. Learn about the prepaid card
Both cards are issued by Zūm Rails. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Have Any Questions?
If you are new to installment loans we understand it can be a little intimidating at first. We are there to answer all your questions and guide you through the application process. Our friendly staff are always ready to help. Send us a message through our contact form. Or Click here to learn more.
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