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Cash Crunch Loan

Get back on track. And back to your life. When times are tough, a high interest payday loan shouldn’t be your only option.

What's the Cash Crunch Micro Loan?
This loan is for people facing unexpected budgeting challenges, where their expense and income timing is misaligned.

Amount: $500 - $2500
Term: 6–18 months (monthly repayments; no penalty for early pay outs)
Interest Rate: 19% Annual Percentage Rate
Loan Purpose: Flexible. Use this loan to pay off an existing payday loan, or to avoid taking one out.

Qualification Criteria:
To be eligible for this loan you must be:

  1. A member (if you’re not already, we’ll help you become one at your first appointment with us!)
  2. 18+ years old
  3. Have a regular source of income to make regular loan payments

You may not be eligible for this loan if you are dealing with any of the items listed below, however we encourage you to meet with us to help understand your options!

  • You have an outstanding judgment(s)
  • You are enrolled in a Debt Repayment Plan, including the Orderly Payment of Debt (OPD) program
  • You have an Undischarged Bankruptcy or are under a Consumer Proposal

Let’s get started!

Please tell us a little about yourself to find out if this is the right loan for you.

Contact information

Please only include numerical values for your phone number. No spaces, dashes, or brackets.

Loan Requirements

*Are you 18 years of age or older?

*Do you have outstanding payday loans or unpaid collections that are greater than $1,500?

*Are you participating in any of the following debt management strategies; debt repayment program or orderly payment of debt (OPD); or consumer proposal or bankruptcy?

(all sources, including salary, other income and government payments)

(Please include the following, if applicable: rent/mortgage, insurance, property taxes, heat, and other debt payments such as Credit Card/Loans/Lines of Credit)

* Indicates a required field