An application, an offer and an accepted agreement are separate stages. Use this guide to prepare for each stage without assuming approval or a funding time.
1. Check the product and location
Read the provincial information and confirm current company service availability. The eligibility guide explains questions to settle before submitting information.
2. Prepare the requested information
Use the application document checklist. Requirements can vary; follow the current application rather than assuming a general example establishes eligibility.
3. Understand verification and consent
If electronic verification is requested, read how bank verification works and the privacy information. Ask who receives the information and what permission you are granting.
4. Review any offer
Do not judge an offer only by the amount available. Check the borrowing charge, total repayment, every payment date and the collection method. Follow the loan-agreement checklist and repayment guide.
5. Confirm the next steps
Funding may involve further checks and banking steps; see what can affect funding timing. Keep copies of accepted documents and confirmations.
Before you continue
Use the before-you-apply checklist for a final review of costs, affordability, rights and alternatives. Submission does not guarantee approval.