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Prêt en ligne Review

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About lender

Prêt en ligne is a reputable agency that specializes in providing fast online loans to individuals with varying credit backgrounds. They understand that financial needs can arise unexpectedly, and not everyone has a perfect credit score. Therefore, they offer their services to a broad spectrum of clients, regardless of their credit history.

Pret en ligne


  • Simple Application. Prêt en ligne provides a user-friendly online application process that is easy to navigate and understand. The application can be completed in just a few minutes, and it requires only basic personal and financial information.
  • No Credit Inquiry. Unlike traditional lenders, Prêt en ligne does not perform a hard credit inquiry when evaluating loan applications. This means that applying for a loan with them will not negatively impact your credit score.
  • Quick Disbursement. Prêt en ligne understands that time is of the essence when it comes to financial emergencies. That's why they offer quick disbursement of funds, with most loans approved and disbursed within 24 hours of application.
  • 22.5% Annual Interest Rate. Prêt en ligne offers relatively high-interest rates on their loans, with an annual interest rate of 22.5%. This rate is fixed for the duration of the loan, so borrowers can rest assured that their monthly payments will not fluctuate.

Pros and cons


Online Application. Prêt en ligne offers a convenient online application process that can be completed from the comfort of your own home. This saves time and eliminates the need to visit a physical location.

No Credit Checks. Prêt en ligne does not perform hard credit checks, which can be beneficial for those with poor credit history. This means that applying for a loan with them will not impact your credit score.

Discounted Interest Rate. Borrowers who meet the terms of their loan are eligible for a discounted interest rate of 17.5%, which is a 5% discount from the standard rate of 22.5%.


Limited Loan Amount. Prêt en ligne only offers loans up to $1,500, which may not be sufficient for those with larger financial needs.

High Interest Rate Without Discount. For borrowers who do not qualify for the discounted interest rate, the standard rate of 22.5% can be quite high compared to other lenders.

Short Term Loans. Prêt en ligne only offers short-term loans, which may not be suitable for those who need longer-term financing solutions.


Prêt en ligne seems to be a reliable online lending agency. One indicator of their reliability is their detailed privacy policy, which outlines how they collect, use, and protect the personal information of their clients. This shows that they take their clients' privacy and security seriously, which is an important consideration when choosing an online lender.

How to apply for a Prêt en ligne loan

  1. Go to the Prêt en ligne Website. Visit the Prêt en ligne website using your web browser.

  2. Click "Apply for your loan". On the homepage, click on the "Apply for your loan" button to start the application process.

  3. Click "Get started". On the next page, click on the "Get started" button to begin the application form.

  4. 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.

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

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

  7. 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.

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

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

  10. 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.


  • Loan Amount. Prêt en ligne offers loans up to $1,500.
  • Annual Interest Rate. The annual interest rate for Prêt en ligne loans is 22.5%. However, borrowers who meet the terms of their loan agreement may be eligible for a discounted interest rate of 17.5%.
  • Loan Term. Prêt en ligne loans must be repaid within 3 months.
  • Repayment Schedule. Loan repayments are made on a weekly, bi-weekly, or monthly basis, depending on how often you receive your pay.


  • Age. You must be at least 18 years old to be eligible for a Prêt en ligne loan.
  • Steady Job. You must have a steady job for at least 3 months to be eligible. This helps ensure that you have a reliable source of income to repay the loan.
  • Active Canadian Bank Account. You must have an active Canadian bank account to be eligible. This is where your loan funds will be deposited if your application is approved.
  • Regular Payment. You must receive a regular payment that is deposited directly into your bank account. This can include payroll deposits, government benefits, or other regular income sources.

Ways to receive the money

Once your loan application is approved by Prêt en ligne and you have signed the loan agreement, you will receive the borrowed amount in your bank account within 24 hours. The funds will be transferred electronically, so you don't need to worry about visiting a physical location to receive the money.


Prêt en ligne specializes in offering short-term loans to borrowers who need quick access to funds. Their loan products are designed to help individuals cover unexpected expenses or bridge the gap between paydays.

Reasons you may be denied a Prêt en ligne loan

  • Insufficient Income. To be eligible for a Prêt en ligne loan, you must have a steady source of income. If your income is too low or unstable, you may not qualify for a loan.
  • Incomplete Application. If you do not provide all the required information on your loan application, or if the information you provide is inaccurate or incomplete, your application may be denied.
  • High Debt-to-Income Ratio. If you have a high level of debt relative to your income, you may be denied a loan. This is because lenders want to ensure that you have the ability to repay the loan.
  • No Active Bank Account. Prêt en ligne requires borrowers to have an active Canadian bank account. If you do not have an account, or if the account is not in good standing, you may be denied a loan.
  • Failure to Meet Eligibility Criteria. To be eligible for a Prêt en ligne loan, you must meet certain criteria, such as being at least 18 years old and having a steady job for at least 3 months. If you do not meet these criteria, your application may be denied.

How to repay a Prêt en ligne loan

  1. Review Your Loan Agreement. Make sure you understand the terms of your loan agreement, including the repayment schedule and any fees or penalties associated with late or missed payments.

  2. Set Up Automatic Payments. To ensure that you never miss a payment, consider setting up automatic payments from your bank account. This will ensure that your payments are made on time, every time.

  3. Make Your Payments On Time. It's important to make your loan payments on time to avoid late fees and other penalties. If you're having trouble making a payment, contact Prêt en ligne as soon as possible to discuss your options.

  4. Monitor Your Account. Keep track of your loan balance and payment history by monitoring your account online. This will help you stay on top of your payments and ensure that you're making progress toward paying off your loan.

  5. Pay Off Your Loan Early. If you're able to pay off your loan early, you can save money on interest and fees. Prêt en ligne does not charge prepayment penalties, so you can pay off your loan at any time without incurring additional costs.

Editorial opinion

Prêt en ligne is an online lending platform that offers short-term loans to Canadian residents. The company provides fast and easy access to funds, with loan amounts ranging from $300 to $1,500. One of the advantages of Prêt en ligne is that they do not require a credit check, making it easier for people with poor credit to obtain a loan. However, this also means that the interest rates are higher than those offered by traditional lenders. The company's loan terms are relatively short, with repayment periods ranging from a few weeks to several months. While Prêt en ligne can be a useful option for people who need quick access to cash, it's important to carefully consider the terms and conditions of the loan and to only borrow what you can afford to repay. As with any financial product, it's important to do your research and make an informed decision before taking out a loan with Prêt en ligne or any other lender.


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

  • Prêt en ligne Customer Reviews



What is Prêt en ligne?

Prêt en ligne is an online lending platform that offers short-term loans to Canadian residents.

How quickly the funds can be received?

If your loan application is approved, you can receive the funds within 24 hours.

How do you qualify for Prêt en ligne?

To qualify for a loan from Prêt en ligne, you must be at least 18 years old, have a steady job for at least 3 months, own an active Canadian bank account, and receive a regular payment deposited directly into your account.

How much can you borrow from Prêt en ligne?

Prêt en ligne offers loans ranging from $300 to $1,500.

Is Prêt en ligne a legitimate company?

Yes, Prêt en ligne is a legitimate company that is licensed to operate in Canada. They follow all relevant laws and regulations and have a clear privacy policy and terms of use. However, as with any financial product, it's important to do your research and make an informed decision before taking out a loan.

We are an agency specializing in fast online loans. We offer our services to you, whether you have good or bad credit. Our experts work with you to find a plan that's right for you.

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