Lender
Rating by Finanso®
i

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.

Apply For Fina Capitale

Advertiser Disclosure

Fina Capitale offers a range of loan products designed to meet the diverse financial needs of individuals and businesses across Canada. With loan amounts ranging from $3,000 to $100,000, borrowers can access both unsecured and secured personal loans tailored to their specific requirements. These loans feature competitive interest rates, flexible repayment terms spanning from 12 to 60 months, and a quick approval process often completed within 24 hours. Whether for personal expenses, home renovations, or business investments, Fina Capitale provides accessible financial solutions with a focus on confidentiality, professionalism, and customer satisfaction.

How to apply for a Fina Capitale loan

  1. Visit the Fina Capitale Website. Start by visiting the official website of Fina Capitale to access the loan application portal.

  2. Calculate Your Payments. If you decide to do so, Fina Capitale provides a loan calculator on their website.

  3. Complete the Application Form. Click on the "Apply Now" button to initiate the application process. You'll be directed to a secure online application form where you'll need to provide personal information such as your name, address, date of birth, and contact details.

  4. Provide Employment Details. Along with personal information, you'll need to provide details about your current employment status, including the name of your employer, your position, and the duration of your employment.

  5. Select Loan Amount and Terms. Specify the loan amount you wish to borrow and choose the repayment terms that best suit your financial situation. Fina Capitale offers loan amounts ranging from $3,000 to $100,000 with repayment terms ranging from 12 to 60 months.

  6. Submit Required Documents. Gather the necessary documents to support your loan application, including identification, pay stubs, and bank statements. Ensure that all documents are accurate and up-to-date before submitting them online.

  7. Review and Confirm. Double-check all the information provided in your application before submitting it. Review the terms and conditions of the loan agreement to ensure clarity and understanding.

  8. Wait for Approval. After submitting your application, a qualified loan officer from Fina Capitale will review your information. You can expect to receive a response regarding your loan approval within 24 hours.

  9. Receive Funds. Upon approval, Fina Capitale will disburse the funds directly to your bank account. Depending on your preference, the funds can be received via direct deposit, wire transfer, or another approved method.

Conditions

  1. Loan Amounts. Fina Capitale offers loan amounts ranging from $3,000 to $100,000, providing borrowers with flexibility to address various financial needs.

  2. Repayment Terms. Borrowers can choose repayment terms spanning from 12 to 60 months, allowing for tailored payment schedules to suit individual financial situations.

  3. Interest Rates. Interest rates on Fina Capitale loans vary based on factors such as creditworthiness and loan amount. Rates typically range from 11.99% to 17.99% for secured loans and from 13.99% to 34.99% for unsecured loans.

  4. Secured and Unsecured Options. Fina Capitale offers both secured and unsecured loan options. Secured loans require collateral, such as home or vehicle equity, while unsecured loans do not require collateral.

  5. Quick Approval Process. Fina Capitale prioritizes a quick approval process, often providing loan approvals within 24 hours, ensuring borrowers have timely access to funds.

Requirements

  1. Canadian Residency. Borrowers must be Canadian residents to qualify for a loan with Fina Capitale.

  2. Age Requirement. Applicants must have reached the age of majority in their province to be eligible for a loan.

  3. Steady Employment. Borrowers must have steady employment and be past the probationary period, typically three months, with their current employer.

  4. Minimum Income. Borrowers must have a minimum monthly income of $1,200 to qualify for a loan.

  5. Documentation. Applicants are required to provide documentation, including two pieces of government-issued identification, two recent pay stubs, and three months of complete bank statements.

  6. Credit Check. Fina Capitale may conduct a credit check to assess creditworthiness and determine loan terms and interest rates.

  7. Employment Benefits. In certain cases, Fina Capitale may accept beneficiaries of specific employment benefits, such as CSST or EI, as eligible borrowers.

Reasons for rejection

  1. Insufficient Income. If the applicant's monthly income does not meet the minimum requirement of $1,200, their loan application may be rejected due to concerns about their ability to repay the loan.

  2. Unstable Employment History. Applicants with a history of frequent job changes or instability in employment may be seen as higher risk and could face rejection.

  3. Poor Credit History. A low credit score or a history of missed payments, defaults, or high levels of debt may result in the rejection of the loan application.

  4. Inadequate Collateral. For secured loans, if the collateral offered by the applicant does not meet the lender's requirements or is deemed too risky, the application may be rejected.

  5. Incomplete Documentation. Failure to provide all required documentation or providing inaccurate information could lead to rejection of the loan application.

  6. Excessive Debt-to-Income Ratio. If the applicant's monthly debt payments are too high relative to their income, they may be considered unable to afford additional debt and could face rejection.

Additional resources

Sources

FAQ

How long does it take to get approved by Fina Capitale?

The approval process with Fina Capitale is known for its efficiency, typically taking around 24 hours from the submission of the loan application to receive a decision. This quick turnaround time ensures that borrowers can swiftly obtain the financial assistance they need to address their urgent needs or financial goals. Fina Capitale prioritizes a streamlined application process, leveraging technology and experienced professionals to review applications promptly and provide timely responses to applicants.

How quickly funds can be received?

Once approved, funds from Fina Capitale can be received promptly, often within the same day. Depending on the chosen method of disbursement, such as direct deposit, wire transfer, or email transfer, borrowers can expect to access the funds swiftly after approval. This expedited fund transfer process allows borrowers to access the loan amount without unnecessary delays, enabling them to address their financial needs promptly and effectively.

How trustworthy is Fina Capitale?

Regarding trustworthiness, Fina Capitale is considered a legitimate and reputable financial institution with over 15 years of experience serving clients across Canada. The company is registered with the appropriate regulatory bodies and adheres to industry standards and regulations to ensure compliance and consumer protection. While individual experiences may vary, Fina Capitale's track record, commitment to professionalism, and focus on client satisfaction contribute to its reputation as a trustworthy provider of financial services and loans.

Does Fina Capitale verify income?

Yes, Fina Capitale typically verifies income as part of the loan application process. Ensuring that applicants have a steady source of income is crucial for assessing their ability to repay the loan. Applicants are often required to provide documentation such as recent pay stubs, bank statements, or proof of employment to verify their income. This verification process helps Fina Capitale make informed lending decisions and ensures that borrowers can afford the loan they are applying for.

Does Fina Capitale hurt your credit score?

Applying for a loan with Fina Capitale may involve a credit check, which can impact your credit score. When you submit a loan application, Fina Capitale may conduct a hard inquiry on your credit report to assess your creditworthiness. While a single hard inquiry typically has a minimal impact on your credit score, multiple inquiries within a short period could potentially lower your score. However, once the loan is approved and you begin making timely payments, it can have a positive effect on your credit score by demonstrating responsible borrowing behavior.

Financial products
Fina Capitale
Secured vacation loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
up to $100,000
Rate
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Effective interest rate on the product

up to 14.99%
Term
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Loan term for the financial product

up to 120 months
Fina Capitale
Unsecured vacation loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
up to $50,000
Rate
i

Effective interest rate on the product

up to 34%
Term
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Loan term for the financial product

up to 60 months
Fina Capitale
Secured wedding day loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
up to $100,000
Rate
i

Effective interest rate on the product

up to 14.99%
Fina Capitale
Unsecured wedding day loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
up to $50,000
Term
i

Loan term for the financial product

up to 60 months
Fina Capitale
Secured home renovation loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
up to $100,000
Rate
i

Effective interest rate on the product

up to 14.99%
Fina Capitale
Unsecured home renovation loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
up to $50,000
Rate
i

Effective interest rate on the product

up to 34%
Term
i

Loan term for the financial product

up to 60 months
Fina Capitale
Secured personal loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$5,000 - $100,000
Rate
i

Effective interest rate on the product

up to 14.99%
Term
i

Loan term for the financial product

up to 120 months
Fina Capitale
Unsecured personal loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$1,000 - $50,000
Rate
i

Effective interest rate on the product

up to 34%
Term
i

Loan term for the financial product

up to 60 months
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Recommended FinScore™
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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.

Recommended FinScore™
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300
650
1000
to 1500.00 C$
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Loan term for the financial product

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All Fina Capitale’s reviews by may 2024
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