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Loan Express's application


How to apply

To pay your surprise bills quickly, you only need to take one step: apply for a loan with Loan Express. To minimize the time it takes to complete this process, take a minute to read what do you need to apply for a loan:

  • First, you must select your location in Canada in the pop-up window or the system will not let you proceed to the next step;

  • Check that you understand the fee requirements;

  • Your name;

  • Last name;

  • Birthday;

  • Residence;

  • Reference;

  • SIN;

  • Contacts (valid phone number and e-mail);

  • Password;

  • The amount you wish to borrow;

  • Income details;

  • Bank information.

Application details

The application will be approved almost immediately, although it will take a little longer if you email or fax the documents to the lender. Once your loan gets approved and you are eligible for an Interac e-Transfer, you will receive your funds within just a few minutes. Direct transfers are made 3 times per day during regular business hours. If you are with a bank other than CIBC, TD, RBC, Scotia, BMO, or HSBC, the deposit may take longer. Loans approved before 11 a.m. will be deposited by 3:30 p.m. that day. Loans approved between 11 a.m. and 3:45 a.m. will be deposited by 8 p.m. the same day. Credits approved after 3:45 p.m. or on weekends and holidays will be deposited by 3:30 p.m. the next business day. Note: All times are in Pacific Standard Time (PST). According to the information available, the Company does not reject credit applications based on poor creditworthiness. In some cases, the borrower may receive a negative response instead of approval, such as:

  • age under 18;

  • no income on direct deposit;

  • not repaid a previous loan with this lender and are trying to apply for a new loan;

  • they have filed for bankruptcy.

Normally, the examination procedure does not take more than one working day to get approved.

If borrowers need to get their money quickly and they like the terms of the loan, they must click "Apply Online Now" for requesting a loan, select their location, thoroughly read and agree to the fee guidelines, and enter their name and last name, create a password, provide SIN, a valid phone number and email address, provide a reference, bank, and income information.

When the application is approved and the customer signs the loan contract with his digital signature, the money is transferred.


How long does it take to get approved by Loan Express?

This lender is ready to advise and assist you quickly. If you meet the criteria, loans are approved within one business day. If the application was submitted on a late weekend, you can expect your money no later than the next business day.

How trustworthy is Loan Express?

The Company is incorporated and officially registered under Canadian laws and the officially registered office is located in Canada. The business of this company is governed by applicable law and is duly licensed:

  • AB license # 327001

  • BC license # 50028

  • MB license # 39281 valid until 2022-Oct-18

  • NB license # 200001546 valid until 2023-Feb-18

  • NL license # 20-23-LO073-1

  • NS license # 202645507 valid until 2022-Jul-31

  • ON license # 4716499 valid until 2022-Jul-15

  • SK license # 100056

    Professional online services are provided legally, as are all collection proceedings against customers who fail to repay their credit and jeopardize the payment plan.

Does Loan Express verify income?

The lender will check to see if there is a steady income, as this is a critical factor in ensuring that the debt can be repaid. Income sources may vary, but the money must be credited as a direct deposit.

Does Loan Express hurt your credit score?

On the credit side, everything is done to help in a difficult life situation: The total cost is manageable, it is explained that express loans are high-cost loans and it is assumed that borrowers will make a weighted decision about receiving the money under such conditions. If loan funds and interest are not repaid as scheduled, Loan Express begins a collection process that can end in litigation and affect the borrower's credit score. Even without such complications, you may feel uncomfortable. Therefore, we recommend that you do not add to the financial burden if you do not know how to repay the borrowed money.

Calculate loan payments in Loan Express

Loan Express calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

100 $
1500 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Loan Express

  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 Loan Express 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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