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Credit Club's application


How to apply


Before you start applying, you should check what you need to apply for a loan. You will need to provide information about your residence, contact information, SIN, employment, and income, as well as provide a loan amount and salary information.

To be eligible for a loan, you must:

  • have an active bank account;

  • be at least 18 years old;

  • be employed by the same employer for more than three months;

  • be a resident of Ontario or British Columbia.

Application details

Applications will be reviewed by Credit Club within 1 hour of submission of electronic bank verification within the lender's business day: Business hours are Monday through Thursday: 8:30 am- 4:30 pm. Saturday 10:00 am – 2:30 pm (for email support and transfers).

After you click on the "Apply" button and request a loan, you will see the form where all fields are mandatory. In order to review your application, Credit Club will ask you to provide your first and last name, date of birth, frequency of payments, date of payment, date of last payment from your employer, bank account information, employer contact information, loan amount, home address and length of stay there. Then you will be directed to the next step to confirm your data and sign a contract.


How long does it take to get approved by Credit Club?

Usually, you will receive the results of the approval within an hour by email. If the credit application was made on the weekend or on holiday and you did not receive the result within 1 hour, you will receive it the next business day.

How trustworthy is Credit Club?

Credit Club has been on the market for ten years and has a good reputation as a direct lender. The company also has all the required current licenses to operate as a payday lender.

Does Credit Club verify income?

There is no specific information on the details of the verifying income procedure, but according to the lender's Terms and Conditions, this company uses personal information to verify employment. They ask for a stable job with the same employer for more than three months. By providing information in the loan application and signing the loan agreement with the company, you assume responsibility for providing reliable and correct information.

Does Credit Club hurt your credit score?

Although Credit Club does not perform a credit check, if you take out a loan with the company and do not repay it, it would affect your credit score and credit history. Credit Club may disclose personal information to credit bureaus, credit reporting agencies, and to one's current or future creditors for the purpose of maintaining their credit history and providing credit references.

Reasons for rejection

If the borrower does not meet the Credit Club's criteria for applicants, the application may be denied (e.g., age under 18, problems with a stable job).

Calculate loan payments in Credit Club

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

Loan amount

Enter the desired loan amount

500 $
1500 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Credit Club

  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 Credit Club 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 Credit Club’s reviews by September 2022
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