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Rating by Finanso®

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.

Fina Capitale's pay off


Repayment of loan

Any loan institute has a paying-off commitment to fulfill. Every repayment should be done in line with the agreed fixed schedule and by the method indicated in the loan contract. The repayment period is agreed upon and fixed before the loan contract is signed and should be strictly followed. In case of emergencies, contact the loan adviser to deal with the commitments.

Conditions of loan extension

In making payments, the borrower should keep the repayment period agreed upon. In case of emergency, loan extension can be considered individually, there are no common rules for that case.

But any refused or postponed payment outside the original loan schedule is charged $35, and any defaulted or refused payment is charged $45.

To get a loan extension, contact the loan advisor 72 hours in advance or earlier.

Early payoff

For paying off your debt earlier and to downturn your financial burden you need to calculate your loan obligations carefully. Not all loans assume early payoff, and those that assume may require some fees.

Fina Capitale allows early payoff to unsecured loans, but the interest rate for them is normally higher than for secured loans. With a secured loan your financial burden could be lower even without the possibility to prepay.


How do I make a payment on Fina Capitale?

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

What happens if you don't pay back Fina Capitale?

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.

Can you pay Fina Capitale early?

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.

Can Fina Capitale sue you?

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).

Calculate loan payments in Fina Capitale

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

Loan amount

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Loan term

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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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