Alterfina: For simple, fast personal financing without a traditional credit check

Presentation of Alterfina

Alterfina is a Quebec company specializing in the granting of short-term personal open credit, offering fast and confidential financial solutions to residents of Quebec and Ontario.

Who is Alterfina?

Based in Saint-Hubert, in the province of Quebec, Alterfina stands out for its mission to offer accessible credit solutions, even to people with a less favorable credit history. The company emphasizes speed, confidentiality and the absence of a traditional credit check, allowing a wide customer base to access funds in times of urgent need.

Products and services offered

Alterfina offers rapid financing solutions adapted to varied needs. Here is a detailed description of the type of product offered, the associated conditions and the advantages that distinguish them from competitors.

Fast personal credit

Thanks to a 100% online process, no documents are required and your request will be processed in less than 24 hours (working days). Trust Alterfina for a quick and easy solution!

The fast personal credit facilities offered by Alterfina are intended to cover unexpected expenses like repairs, urgent bills, temporary cash flow needs and more.

• Credit facility amount: Of $500 to $2,500.
• Reimbursement duration:
  Variable - Reimbursements are adjustable and it is possible to request a cash advance, depending on the funds available in your credit facility.
• Eligibility conditions:
  No rigorous review of the credit file is carried out. The criteria are mainly based on your repayment capacity and your financial stability.
• Interest rate:
  Rates are competitive compared to other online financing. They are clearly indicated in the open credit contract when the application is approved to guarantee total transparency.
• Benefits :
  
  • No thorough credit check;
  • Assessment based on your current repayment capacity;
  • Several other advantages (e.g. merchant discounts, possibility of viewing your credit score, possibility of obtaining a prepaid card, etc.).
• Flexibility:
  Adjustable repayment plans help ease financial pressure and fit payments to your budget.

Financing without a traditional credit check

Alterfina offers no traditional credit check, which is ideal for those who want to avoid the negative impact of a credit check on their file.

• Process :
  The application is simplified with Instant Bank Verification (IBV), which validates your financial information without requiring paper documents.
• Processing time:
  A decision is typically rendered within 24 hours on business days and funds are available within hours of approval.

Why choose Alterfina?

Several reasons make Alterfina an attractive option for those looking for fast, hassle-free credit solutions.

Accessibility for various profiles

Alterfina aims to help Canadians, regardless of their credit history. Alterfina's short-term financing solutions are designed to give you the help you need. Whether you have bad credit or non-traditional income, your application will be evaluated on realistic criteria, increasing your chances of approval.

Simplified online application process

A quick credit application can be completed and sent in minutes, entirely online. With Instant Bank Verification (IBV) technology, no paper documents are required, making obtaining funds simpler and faster.

Flexibility of reimbursement terms

The repayment terms are adapted to each person's financial situation, with payments calculated according to the amount obtained and the frequency of payments. This flexibility allows for easier management of personal finances.

Transparency and customer service

Alterfina makes a point of ensuring the confidentiality and security of its customers’ information. Terms are clearly explained, with no hidden fees and customer service is available to answer any questions, ensuring a positive user experience.

The online credit application process

Obtaining an open credit with Alterfina is a simple and quick process, designed to minimize administrative procedures.

Steps to apply

1. Complete the online form:
   Complete the form with your personal and financial information.
2. Instant Bank Verification (IBV):
   With this technology, no additional documentation is necessary. Verification is done securely and quickly.
3. Receive a quick decision:
   Requests are usually processed the same day, with a quick response.
4. Obtain the funds:
   Once approved, funds are deposited directly into your bank account, often the same day.

Required documents

Thanks to IBV technology, no paper documents are required. However, make sure you have your bank account information for instant bank verification.

Alterfina: A reliable solution for your urgent financial needs

Alterfina offers a fast, flexible and accessible credit solution, without the constraints of traditional credit inquiries. With a simplified online application process and adapted repayment terms, Alterfina presents itself as a reliable alternative to meet your urgent financial needs.