Fina Capitale's pay off

All appropriate payment methods are indicated in the loan contract. Read it carefully and follow the fixed conditions.

The debt will be transferred to the collection department. In case of payment default, the applicable interest rate is 2,66% per month (32% per year).

Collection officers will contact the client by all possible types of communications such as telephone, email, and mail to settle the defaulted payments and make a payment arrangement. All defaulted payments will accrue interest on the outstanding balance. The client is responsible for any legal expenses from recuperating past due balance.

Fina Capitale may also work with third-party collection agencies.

Depending on the terms and conditions of the loan contract, some obligations can be prepaid. But, generally, Fina Capitale marks only unsecured personal loans as available for prepayment.

Yes, this action can be taken. The Terms and Conditions tab stipulates that the borrower is responsible for any/all legal expenses from recuperating funds.

But Fina Capitale stipulates that from the very beginning it follows a responsible loan policy and does its best to offer the loans that the clients can afford. So, it is requested just to follow the repayment schedule and address the loan advisor in case of emergency. If these clear rules are followed, there should not be any court actions to care about.

It is also worth noting, that the collection department of Fina Capitale practices responsible collection procedures complying with Canadian legal requirements along with Quebec’s Office de la Protection du Consommateur (OPC).