YOUR ONLINE MONEY SOURCE
Canada’s most accessible loans
GET YOUR MONEY IN A SNAP
Borrowing the Quick Way
We know that you have your own special financial concerns that are unique to you, that’s why our short-term loan business is geared to meet your personal needs.
Even a bad credit score, whether it’s fairly earned or not, doesn’t have to be an obstacle to getting the money you need, when you need it. As a responsible lender, we know that our job is to see the big picture. Whatever happened in the past, if our evaluation of your overall financial situation indicates that today you can repay your loan, we can provide you the funds you need in an instant.
It’s fast, easy and convenient. As a direct lender that operates fully online, you can get those funds you need without having to go through a bunch of rigmarole. You can apply from the couch, during the commercial breaks of your favourite TV show.
There will be no death-by-document-overkill with us. All we need is your basic employment and financial facts. Our advanced algorithm does all the rest. With the ability to borrow as much as $1,500, without having to wait in line at some counter for an hour, we bring the loaning service of the future to you today.
WHAT'S THE BEST LOAN FOR YOU?
Forget those line-ups down at the brick-and-mortar joint. You can apply for this loan from the comfort of your couch. Our advanced assessment tools instantly determine your eligibility. The hassle-free loan option.
Safe & Secure
Completely confidential and secure, guaranteed! We use the same high security standards like the banks.
Expert Support
Our support staff. Always ready and available to answer any questions that you may have to ensure you get the loan you need.
No Hidden Fees
Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.
Flexibility
Your interest fee is unchanged, whether it’s better for you to pay in 1, 2 or 3 equal repayments.
Transparent
Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.
Fast
You’ll know instantly when you’re approved for your loan and what repayment schedule of 1, 2 or 3 installments best suits your needs.
Our eligibly requirements are basic.
Cloud Nine Loans The hassle-free loan option.
Required
- Are a Canadian citizen or Perminate Resident.
- Live in a province where we do business.
- Are 19 years of age or more.
- Received the same income source for at least 3 months.
- Have at least a monthly net income of $800.
- Are in possession of a Canadian bank account for the last 3 months from which you can do online banking.
- Have valid email and home address, and a mobile phone.
Can I be approved quickly?
Once you’ve filled out your application, our decisions system, with its advanced algorithm, gives you a decision almost instantly.
Most of our customers have their money in the bank the same day. Once you’re approved and you sign your electronic agreement, our e-transfer system has the funds in your bank in 5 minutes.
Is there a borrowing limit?
Currently we offer loans between $100 and $1,500. These come with flexible repayment options. Our advanced algorithm helps us identify the loan amount that suits your financial circumstances best.
How Much Income do I Need?
Our minimum monthly requirement is an income of $800. A lot of sources, which you might not expect, though, can be counted toward this total. That includes child tax credits, ODSP benefits and pensions, among others. Include such income sources in the Employment Details of your application and we’re ready to go.
How about repayment?
We make repayment as easy as a dream. Once repayment day arrives, we will simply debit the amount stipulated in your loan agreement out of the same bank account into which we made the original loan. All you have to do is be sure there are sufficient funds to cover the repayment. Other than that, there’s nothing for you to worry about.
No Credit Check | High Approvals
Get Up To $1,500 From a Safe Trusted Licensed Lender. Easy Application. Multiple repayments, FAST e-Transfer.
We do things differently
Cloud Nine Loans is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people’s lives.
Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we’re there to help.
Maximum charges permitted in Ontario for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%
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