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Micro Click Loans Review

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About lender

Micro Click Loans is a renowned Canadian company that specializes in microcredit, providing swift and hassle-free personal micro loans to cater to urgent financial needs. As an intermediary lender, Micro Click Loans connects borrowers with a network of online lenders, ensuring a seamless loan application process.

Micro Click Loans


  • Quick Application. Micro Click Loans offers a fast and convenient online loan application process. This allows borrowers to apply for a micro loan from the comfort of their own home, without having to visit a physical branch.
  • No Credit Check. Unlike traditional lenders, Micro Click Loans does not perform a hard credit check during the application process. This makes it an accessible option for individuals with bad credit or a lower credit score who may have difficulty obtaining personal loans from banks.
  • Maximum Amount Based on Financial Situation. The maximum amount a borrower can obtain through Micro Click Loans depends on their unique financial situation and ability to repay the loan. This tailored approach ensures that borrowers receive a loan amount that aligns with their income and repayment capacity.
  • Quick Approval and Transfer. Once the loan application is approved, Micro Click Loans issues the transfer order in less than 30 minutes. This swift process enables borrowers to access quick cash for covering unexpected expenses or addressing short-term financial needs.

Pros and cons


Quick Funds Disbursement. Micro Click Loans ensures a rapid transfer of funds upon loan approval, enabling borrowers to access cash within a short timeframe. This feature is particularly helpful for those facing unexpected expenses or urgent financial needs.

No Credit Checks. The company does not perform hard credit checks during the application process, making it an accessible option for individuals with bad credit or a lower credit score. This approach allows more people to qualify for a micro loan compared to traditional lenders.

Online Application. Micro Click Loans offers a convenient online application process, allowing borrowers to apply for a loan from the comfort of their own home. This streamlined process saves time and eliminates the need to visit a physical branch.


No Information On the Website About Loan Amounts. The lack of transparency regarding loan amounts on the Micro Click Loans website may make it difficult for potential borrowers to assess whether the company can meet their financing needs.

Not a Direct Lender. Micro Click Loans acts as an intermediary, connecting borrowers with a network of lenders. This may result in varying loan terms, interest rates, and additional fees, depending on the lender a borrower is matched with.

High-Interest Rates. Micro Click Loans may charge higher interest rates compared to traditional lenders, potentially making the loan more expensive for borrowers. It is essential to carefully consider the interest rate and any additional fees before committing to a loan.


Determining the reliability of Micro Click Loans requires evaluating various factors such as customer reviews, transparency, and loan terms. While the company offers quick funds disbursement, no credit checks, and an online application process, it also has some drawbacks, including a lack of information on loan amounts and high-interest rates. Additionally, Micro Click Loans is not a direct lender, which may lead to varying loan terms and fees.

To assess the reliability of Micro Click Loans, potential borrowers should research customer experiences, compare offers from multiple lenders, and carefully review loan terms and conditions before making a decision. It is crucial to ensure that the chosen lender aligns with individual financial needs and goals.

How to apply for a Micro Click Loans loan

  1. Go to the Micro Click Loans Website. Visit the Micro Click Loans website using your web browser.

  2. Click "Get Started". On the homepage, click on the "Get started" button to start the application process.

  3. Enter Your Email Address. Enter your email address in the field provided. This will be used to create your account and to communicate with you throughout the loan process.

  4. Enter Your Personal Information. Enter your full name, date of birth, social security number, and other personal information as requested.

  5. Enter Your Contact Details. Enter your current address, phone number, and other contact information.

  6. Enter Your Financial Obligations Info. Enter information about your current debts and expenses, such as rent or mortgage payments, credit card payments, and other loans.

  7. Enter Your References Info. Provide the names and contact information of two personal references.

  8. Enter Your Income Info. Enter information about your employment status, income, and other sources of revenue.

  9. Confirmation and Submission. Review your application to make sure all the information is accurate. Then, read and accept the terms and conditions of the loan agreement. Finally, click the "Submit" button to submit your application.


  • Annual Interest Rate. The financial institutions partnered with Micro Click Loans offer an annual interest rate of 28%. However, it is essential to note that the official agent may charge additional fees, which could impact the overall cost of the loan.
  • Loan Duration. Micro Click Loans are set for a period ranging from 90 to 180 days. This short-term loan duration may be suitable for those looking to cover unexpected expenses or address temporary financial needs.
  • Maximum Loan Amount. The maximum amount a borrower can obtain through Micro Click Loans depends on their unique financial situation and ability to repay the loan. This tailored approach ensures that borrowers receive a loan amount that aligns with their income and repayment capacity.


  • Legal Age and Residency. Applicants must be of legal age and reside in Canada to be eligible for a Micro Click Loan. This requirement ensures that borrowers can legally enter into a loan agreement and are subject to Canadian laws and regulations.
  • Regular Source of Income. To qualify for a Micro Click Loan, applicants must have a regular source of income, whether from employment or another form of stable income. This income verification helps lenders assess the borrower's ability to repay the loan and ensures responsible lending practices.
  • Required Documents. Applicants must provide the necessary documents, such as valid identification and proof of income, to complete the loan application process. These documents help lenders verify the applicant's identity and financial situation, which is essential for determining loan eligibility and terms.

Ways to receive the money

After your Micro Click Loan application has been approved, the process of receiving the borrowed amount is quick and efficient. The transfer order is issued in less than 30 minutes, enabling you to access the funds promptly. Typically, the loan amount is electronically transferred to your designated bank account, ensuring a seamless and convenient transaction. This rapid disbursement of funds makes Micro Click Loans an attractive option for those in need of quick cash to cover unexpected expenses or address short-term financial needs. However, it is essential to review the specific disbursement policies and timelines of the lender you are matched with, as they may vary.


Micro Click Loan specializes in offering microcredit loans to help individuals and small businesses address their financial needs. Their primary product is an unsecured loan, with a maximum loan amount determined by several factors. These small loans are designed to cater to various financial requirements, such as covering unexpected expenses, funding small projects, or supporting self-employed individuals and low-income earners.

Reasons you may be denied a Micro Click Loans loan

  • Insufficient Income. Lenders need to ensure that borrowers have a stable source of income to repay the loan. If your income is deemed insufficient or unstable, you may be denied a microloan.
  • Incomplete Application or Insufficient Documentation. Failing to provide all required information or documentation during the application process may lead to the denial of your loan request.
  • Not Meeting Eligibility Criteria. To qualify for a Micro Click Loan, you must be of legal age, reside in Canada, and meet other specific requirements set by the lender. If you do not meet these criteria, your application may be denied.
  • High Debt-to-Income Ratio. If your existing debt obligations are too high compared to your income, lenders may view you as a high-risk borrower and deny your loan application.
  • Inability to Verify Information. Lenders may need to verify your identity, income, or other personal details. If they are unable to confirm this information, your loan application could be denied.

How to repay a Micro Click Loans loan

  1. Understand Repayment Terms. Familiarize yourself with the loan agreement, including the repayment schedule, interest rates, and any additional fees. This will help you plan your budget accordingly.

  2. Set a Budget. Create a budget that includes your loan payment, ensuring you can comfortably pay off the loan while covering your other expenses. Adjust your spending habits as needed to accommodate the loan repayment.

  3. Make Timely Payments. Prioritize making your loan payments on time to avoid late fees and potential damage to your credit score. Set reminders or consider setting up automatic payments to ensure you never miss a due date.

  4. Communicate with Your Lender. If you encounter financial difficulties or anticipate being unable to make a payment, reach out to your lender immediately. They may be able to offer alternative repayment options or provide assistance to help you stay on track.

  5. Pay Off the Loan Early, if Possible. If your financial situation improves or you receive extra funds, consider paying off your Micro Click Loan early. This can help reduce the overall interest paid and improve your financial standing.

Editorial opinion

Micro Click Loans offers a unique lending solution for individuals and small businesses seeking short-term financial assistance. As a microloan program, it caters to those who may not qualify for a traditional personal loan or business loan, often due to a lower minimum credit score or lack of collateral. The application process is straightforward, and loan approval is typically quick, making it an attractive option for those in need of immediate funds for a small project or unexpected expense. However, potential borrowers should carefully consider the loan terms, including repayment options and interest rates, as these factors can vary based on individual financial circumstances. While Micro Click Loans may not be the best option for everyone, it serves as a valuable resource for those seeking accessible lending alternatives to achieve their financial goals. It is crucial for borrowers to weigh the benefits and potential drawbacks before committing to any loan agreement.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Verify that the lender is registered with the appropriate regulatory authorities in Canada, such as the Financial Consumer Agency of Canada (FCAC), or is licensed to operate in your province.
  2. Check if the lender is a member of reputable industry associations in Canada, such as the Canadian Bankers Association (CBA) or the Canadian Lenders Association (CLA).
  3. Thoroughly review all terms and conditions outlined in your loan agreement. Understand the repayment schedule, interest rates, fees, and any penalties for late payments or defaults.
  4. Ensure that the contract clearly states the annual percentage rate (APR) and the total cost of borrowing, including any administrative fees or additional charges.
  5. Familiarize yourself with your rights regarding loan cancellation or early repayment. Canadian consumers have the right to cancel a loan within two business days after signing the agreement, without penalty.
  6. Research the lender's reputation by checking customer reviews, complaints, and feedback on reputable online platforms, as well as through resources provided by organizations like the Better Business Bureau (BBB).


At Finanso, we've carried out a comprehensive analysis of over 70 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

Additional resources

  • Micro Click Loans Customer Reviews



What is Micro Click Loans?

Micro Click Loans is a lending platform that offers short-term loans to individuals and small businesses, providing quick financial assistance for those who may not qualify for traditional personal loans or small business loans.

How quickly the funds can be received?

Once approved, the transfer order for the loan amount is typically issued in less than 30 minutes, enabling borrowers to access funds promptly to address their financial needs.

How do you qualify for Micro Click Loans?

To qualify for Micro Click Loans, applicants must be of legal age, reside in Canada, have a regular source of income, and provide required documents such as valid identification and proof of income.

How much can you borrow from Micro Click Loans?

The average loan amount that can be borrowed from Micro Click Loans depends on the borrower's financial situation and ability to repay. 

Is Micro Click Loans a legitimate company?

While information on the company's background and reputation may be limited, Micro Click Loans appears to operate as a lending platform that connects borrowers with lenders. To ensure legitimacy and safety, potential borrowers should research and compare offers from multiple lenders before committing to a loan agreement.

Thanks to our values, we are committed to providing you with an exceptional lending experience that meets your needs and exceeds your expectations.

© Micro Click Loans
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