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Lender
Rating by Finanso®
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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.

Alterfina's pay off

Finanso.Multilogin™

Repayment of loan

Loan repayment is done via clicking several buttons on the official website of Alterfina in Canada. All you have to do is to pay the fixed amount of money using the functions of the client portal. You will have your personal account once the registration is complete.

Payments can be made on a weekly, bi-montly and monthly basis.

Loan extension

If you cannot make the payment on time or your financial situation has gone really bad, you can ask for a deferral up to 72 hours prior to your scheduled payment date. But be prepared for a fee that will be implied regardless of the situation. That is why it is wise to foresee any difficulties and search the possible ways to make timely repayments.

FAQ

How to find out the remaining balance?

The remaining balance can be found in the client's portal in Canada. This access to the personal account will be granted after the registration is complete. If there will be any difficulties, contact customer support services.

What to do if the payment has failed?

If the payment has failed you should contact customer support by calling 1-888-350-7738 and follow the further instructions. You can also ask for a deferral up to 72 hours prior to your scheduled payment date if you foresee a delay. To do that, you need to contact Alterfina Payment services by email perception@alterfina.ca or phone 1-888-350-7738. They will help solve the problem as fast as it is possible.

Early repayment

Alterfina applied an open credit policy in Canada, which means that customers can pay off the whole loan any time they want. In short, you can choose to pay a partial amount or the whole balance at any date. This is one of the best advantages of this company - you can be free from a loan at any time you want.

Is it possible to arrange a loan restructuring?

At the moment Alterfina has no programs and functions for loan restructuring. If you have any problems with the payment schedule, it is better to contact the customers support services by email perception@alterfina.ca or by phone 1-888-350-7738.

What to do if I missed the payment?

If you cannot make the payment on time or you are unable to follow the schedule because of personal problems, you can ask for a deferral up to 72 hours prior to your scheduled payment date. You need to contact with Alterfina Payment services by email perception@alterfina.ca or phone 1-888-350-7738.

Calculate loan payments in Alterfina

Alterfina calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
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Enter the desired loan amount

CAD
CAD
500 $
2500 $
Loan term
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Specify the loan term for the calculation

days
months
100
210

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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All Alterfina’s reviews by September 2022
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