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Privacy Policy

We are very aware that fraud and identity theft is a growing problem on the internet. As such CREDIT ALTERNATIF and ONLINE LOAN MONEY is committed to provide a secure internet environment to all our customers.

We have many years of experience in handling personal and confidential information. As such, all of our scheduled transactions go through strict verification procedures by our computer systems and trained personnel. Rest assured that you can submit an application with peace of mind.

We strongly believe it is our duty to protect your personal and banking information as we would our own. Our company only allows your information to be viewed by staff members and managers. All our staff goes through extensive background checks before a position is awarded. We diligently follow this policy regardless of whether you are an active or inactive customer.

As a customer, you provide us with personal information therefore all our websites utilize 256 SSL encryption, the highest level of security as the banks do. Our security is upgraded daily so as ensure the continuous privacy of our customers information. Our application  are provided by Independent servers of JOTFORM. They are 100 % guarantee.

Your personal information is held on secure computers. Only employees within the company that are authorised to handle this information have access to those computers. We do not provide any information about you or regarding your file to anyone but yourself. Expect test questions when you call in to verify your identity.

If you have any questions feel free to contact us. 1.800.536.0811                                 apply now


Fees & Interset

An annual interest rate between 16 to 32% depending of province rules.

The interest rate on defaulted payments is 2.66% per month which translates to 32% per year.

Fee charged for a payment returned as insufficient
funds: 40$.

In the case of continual non-payment and lack of cooperation, the remaining debt will be collected by any means permissable by law.

A brokerage fee will apply once the loan has been approved and transferred to your bank account. We do not request money up front.

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Restore your Credit

Click in this link to get more information.

The fees charged  for this service is for the responsibilities of sending  the  information of your loan to Equifax  to make the follow-up of your loan at credit offices and not for the restoring of your credit. By paying the loans in time you  contribute to improve your score and your credit history.

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At the request of the customer, we shall register your loan in the offices of credit (Equifax). This registration can help to improve your credit rating as you make your payments in time. For 12 weekly payments or 6 semimonthly payments Additional Fee up to $50.00
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 Frequently asked questions  (F.A.Q.)

What is the payday loan ?

A pay day loan is a service which provides customers with a cash advance till there next payday. The loans are from $100 up to $1500  which can be to finance until 3 months according to the conditions of the province.


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What for I use my cash loan ?

A cash advance can be used for a number of things. The most common are: a bill payment, an unexpected expense, a weekend getaway, or avoiding an NSF charge.


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What are the criteria to obtain the payday loan ?

We, essentially, look for our customers to meet our criteria: you will need a valid checking account for at least 3 months, you must have a full time job for at least 6 months, you must live at the same address for at least 6 months, and you must get paid via direct deposit. You must also not be in bankruptcy status or have any garnishes against your pay .                            apply now

How much will your loans cost ?

An annual interest rate between 16 to 32% . A brokerage fee will apply once the loan has been approved and transferred to your bank account. We do not request money up front.


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How to apply ?

You may apply for a payday loan via our simple online application or by phone. Click here to apply


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How fast would I receive the funds ?

If we transfer your loan before the 11:00 A.M. Eastern Standard Time you may receive the funds in your account the same day. However if the transfer is done anytime after 11:00 A.M. it will take a full 24hrs. to receive your funds.

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What would I be required to send in ?

Some documentation such as: personal voided check, the last 90 days of your bank statement, a photo I.D., a utility bill, and your last  3 pay stubs. You can uploaded directly from the website (Send documents) or faxed to 1 800 536 0811 or you can email it at :

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When will I hear from you ?

Once the online application has been submitted an agent will be contacting you, by phone or e-mail, within one hour to address your application and facilitate the application process. Business hours are Monday to Friday between 9:00 A.M. and 4:00 P.M. (EST). For applications submitted after hours we
will contact you first thing the next business day.         apply now