Direct deposit
Request approved and signed contract back before 11:30 a.m.: deposit the same day, between noon and midnight. After 11:30 a.m.: the next day.
Co-borrower service
A co-borrower to back you up.
No co-borrower in your circle? Money911 commits to the loan with you. The loan comes from a separate lender.
Online form, then read-only bank verification. You read the lender’s contract before you sign.
- Bank verification
Read-only (IBV) - Direct deposit
or Interac e-Transfer - Across Canada
In English and French - (877) 215-1293
Talk to our team - 14802675 Canada Inc.
Québec (QC)
Co-borrowing
Co-borrowing, layer by layer
Money911 is not the lender.
- You
You apply online.
- Money911
We commit to the loan with you.
- The lender
A separate lender grants the loan and sends you the contract.
Your request
From request to deposit, panel by panel
Step 1
Fill in the online request
The online form is open anytime.
- Bank statementRead-only copyRead-only
Step 2
Instant bank verification (IBV)
A read-only copy of your statement, never your username or password.
- Review in progressAbility to repay
Step 3
Review of your file
Based on your ability to repay. Approval is not guaranteed.
- Lender’s contractRead it, then signDepositDirect or Interac
Step 4
Contract signature and deposit
You sign the lender’s contract, then the money is deposited.
Two ways to receive the money
Interac e-Transfer
Choose Interac e-Transfer in your request: once you’re approved and the contract is signed, the money lands within the hour. An extra fee applies.
Our services
A co-borrower for your loan or your lease
Co-borrower for a loan
Has your credit history closed a door at the bank? Money911 commits with you to a loan granted by a separate lender.
See the serviceCo-borrower for a lease
Is a landlord hesitant to rent to you because of your credit history? The co-borrower service for a lease backs your application.
Tell us about your lease
In plain terms
Borrow responsibly
Every request is reviewed for your ability to repay; if the risk is too high, it is refused.
Avoid taking several small loans at once: the payments can outgrow your budget.
A payment getting hard? Call us before it is due.
Eligibility
Who can apply?
- 18 or older
- Living in Canada
- A stable job
- Pay deposited into a Canadian bank account
- Net income of at least $1,500 a month
- No consumer proposal, debt consolidation or bankruptcy in the last 30 days, and none planned in the next 6 months
Instant bank verification (IBV) is part of every request. Self-employed? Your request is reviewed like an employee’s.
FAQ
Frequently asked questions
Another question? Our team answers the phone.
Is Money911 the lender?
No. A co-borrower commits to the loan with you, which lowers the lender’s risk. At Money911, that co-borrower is us. The loan itself comes from a separate lender, who sends you the contract.
How much does a loan cost?
The applicable terms are in the contract the lender sends you. Read it before you sign: no payment or advance is required at signing. A question? Call us.
Do you check my credit file?
We review each request for your ability to repay, using your bank statement sent read-only (IBV) and the information in your request.
When does the money arrive?
Once you are approved and the contract is signed: Interac e-Transfer within the hour (extra fee), or direct deposit the same day if the signed contract is back before 11:30 a.m., otherwise the next day.
What does the bank verification see?
Instant bank verification sends us a read-only copy of your statement. We never see your username or password.
Ready to send your request?
Money911 commits to the loan with you, with a separate lender. You apply online, in two steps.
Notice about the co-borrower service
Money911 offers a co-borrower service. The loan is granted by a separate lender. Each request is reviewed for the ability to repay; approval is not guaranteed. The applicable terms are set out in the contract the lender sends.