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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.



About lender

Alterfina is a credit solutions provider from Canada. The founders of the organization believe that everybody should have access to financing options and services. Sometimes it is hard for people in Canada to get help from banks in case funds are instantly required because of the spoiled credit history and other factors. At Alterfina you can receive a fast loan in an easy and convenient way, without checking your credit rating at credit bureaus. All you have to do is to meet the requirements implied for applicants.


Alterfina is a credit organization in Canada that provides fast credits online. The main features of the services provided:

  • Possibility to obtain money from Alterfina on the same date the application has been sent;

  • Any client can borrow from $500 to $2,500 maximum;

  • No credit check and other bureaucratic procedures;

  • The money is sent in a 100% confidential and secure way;

  • Payment frequency: weekly, bi-montly and monthly;

  • The annual interest rate of Alterfina is 18.99%;

  • A membership fee is included, and the amount depends on the credit value;

  • You can pay off the credit in a 210 days period, you will know the exact due date;

  • The lender informs clients if there are new financial products and services.

In short, this organization could be a life saver for those who wish to change their financial situation in one day.


The main advantages:

  • The credit from Alterfina is easy to get if you are a resident of Canada, all you need is to fill in the application form and wait for a quick response.

  • In most cases, the money will be sent on the same day the application has been submitted.

  • You can receive from $500 to $2,500. The services are available for everyone.

  • The pay-off period is rather long – from 100 to 210 days (depending on the cash amount).

  • Good customer service, the specialists are ready to respond to any question from 08:00 to 17:00.

  • Alterfina has implemented the IBV (Instant bank verification) system which is considered to be one of the most secure technologies on the market.

  • The credit approval procedure is conducted in full transparency according to the requlations of Canada.

  • Direct funds deposits to the bank accounts which are open in Canada.

This credit provider likes to work in full transparency. It means that a client will know all about the procedure and conditions. If you would like to check the amount of the loan to be issued, all you have to do is to go to the official website and open the account. All the needed documents and information will be sent via email.

Campaigns and special offers at Alterfina

Basically, Alterfina has only one product - fast online credit. Even if you are a reliable client that has already successfully paid off one credit, you will not be given almost any advantages. At the moment there are no campaigns and special offers. To find out more information on how to manage your credit you need to subscribe to newsletters. This organization can save you financial situation in a blick of an eye.

Loan terms

The credit terms of Alterfina depend on the cash amount:

  • Amount: $500, $750, $1,000, $1,250, $1,500, $1,750, $2,000, $2,250 and $2,500 maximum.

  • Terms: 98, 140, 154, 168, 182, 196 and 210 days, the last date will be determined automatically. The term can not be changed because of the organization's policy.

  • The interest rate for residents in Canada: 18.99%.

The interest rate can't be lower than 18.99% but the conditions can change. Follow the news.

Methods of a loan granting

There is only one method to acquire a loan from Alterfina in Canada, and every step is made via the site. You determine the cash amount that would be deposited for the specified bank account. Then you create an actual account by filling in the form and determining the password and the last stage is bank verification. There are also no other products other than a loan from the organization with 18.99% interest rate.

In short, all you can do is to use the functions of the site to have a direct deposit to your Canada bank account .

Company documents

Privacy Policy

Offer the financial solutions of tomorrow today, with the will to be the best alternative when it comes to personal financing and to give our clients the tools they need to adopt healthy financial habits.

© Alterfina

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What to pay attention to when applying for a loan from Alterfina

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Alterfina from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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