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Rating by Finanso®

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Fina Capitale's application


How to apply


Requirements are quite a disturbing aspect of every loan and for every borrower. So, let's see what you need to apply for a loan.

Generally, Fina Capitale requires the following documents and information:

- Two pieces of government-issued identification (driver's license, provincial health card, social insurance card, or passport);

- Two latest pay stubs;

- Two months of complete bank statements until today’s date (last 60 days);

- Void check or direct deposit form.

The list of documents may depend on the loan you require, conformity and validity of the documents should be preferably verified. Applying for a loan, do not forget to send the required documents to

If you apply for a secured loan, additional documents may be required.

Application details

Once the application is submitted with the required documents attached, a loan officer will contact the potential borrower within an hour. Normally, unsecured loans are processed within 3 hours or less, while secured loans are processed within 24 hours or less.

Requesting a loan, you should first of all look through the requirements to qualify for it and send an online application request. You may do this directly via the company’s site entrance page (and immediately get an exact understanding of your weekly repayment) or via the "Apply now" option. Entering the site, do not forget to manage essential and optional cookies. Field blank automatically prevents you from filling out the form.

The button “Apply now” is on the right side of the header, it brings an online application form of three steps. At each step, you should provide the information the company needs to consider the loan and its conditions.

First of all, the Fina Capitale will ask you on the way you get to know about the company and its services. Then you will have to identify the loan amount you wish to get, the frequency of payments, and the purpose you need the loan for. You are recommended to reply honestly.

Your data like name, first name, date of birth, e-mail address, residence status, home address, cell phone, and home phone numbers, the way you prefer to be contacted, employment status, and monthly income are also required.

The required documents shall be sent to The loans are normally approved very quickly. You will be contacted by a loan advisor for final confirmation and the money will be transferred or deposited as you prefer.


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

The time for approval depends on the loan you need, and the information and documents you provided. Unsecured loans are normally approved within 3 hours, while secured ones – 24are hours, you even may ask for the same day cash advance.

Secured loans may require a little bit more time. Such loans need proper assessment and verifications.

How trustworthy is Fina Capitale?

Fina Capitale is a trustworthy organization that performs loan brokerage services. It has a required license and operates in the market for 15 years already. The company is listed at several review places like Loans Canada, Nicelocal site, and Google with rather a good score, including both positive and negative opinions of the borrowers.

Does Fina Capitale verify income?

At the site, the lender does not indicate clearly and directly that the income declared is duly verified and how the company verifies it. But, in any case, the borrower is responsible for the information provided regarding income verification.

Does Fina Capitale hurt your credit score?

It is common for Fina Capitale to report all the loans to the credit bureau(s). But, if the borrower prefers to avoid it or to keep the loan information confidential, he/she may address Fina Capitale with the request not to perform reporting. In that case, the company will comply with the request unless the payments are full and in time. Should any defaulted payment occur, the loan information will be sent to the credit bureau(s)?

The borrower himself/herself can improve or worsen his/her credit score following compliance with a payment schedule.

Reasons for rejection

There should not be any rejections if the borrower meets the requirements announced. But the information provided to the company shall be accurate, true, complete, and current. The same relates to the documents – all documents sent to Fina Capitale must be accurate, true, and void. The company may take over information control at its discretion.

Nevertheless, Fina Capitale, as the majority of companies operating in various fields, not only in lending, reserves the right to refuse service to anyone for any reason at any time. This clause is a standard part of any contract.

Calculate loan payments in Fina Capitale

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

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What to pay attention to when applying for a loan from Fina Capitale

  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 Fina Capitale 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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