WE LEND RESPONSIBLY
Canada’s most accessible loans
We Lend Responsibly!
At Cloud Nine Loans we take seriously our obligation to conduct ourselves ethically and honestly. Our reputation and the well-being of our customers depend upon such conduct from us. Toward ensuring this end our Code of Conduct establishes principles and rules based on the best practices across the industry. In the end, though, the integrity of our business depends upon us making the best, most ethical choices in our daily interaction with applicants and customers.
Our Code of Conduct:
We are licensed to provide payday loans across the Canadian provinces. We rigorously adhere to the regulatory standards of each of the provinces within which we operate. Our credit solutions are fully consistent with these regulatory environments. We do not violate these regulations and apply them consistently in both our loan underwriting and, should it prove necessary, in our collection operations.
Sustainable Lending:
Financial sustainability for both our business and our customers depends upon sound and responsible lending. Only loans that we believe are within our customers’ capacity for repayment will be offered.
Uncompromising Transparency:
At Cloud Nine Loans transparency is our touchstone. Toward that end, we ensure that all the information we provide, about fees, rates, or any other costs or obligations, are clearly laid out in straightforward, easy to understand language. We will never mislead you, manipulate you or influence you in any fraudulent manner or direction. All employees and agents of Cloud Nine Loans understand the imperative to provide honest and clear answers to your questions.
Your Security:
Your security is important to us. All measures that are reasonably possible are followed to ensure the security of your personal information. Nor will we ever sell your information to any third party.
Our Integrity:
We pledge to treat every decision we make regarding lending with the highest standards of honesty, caution and conscientiousness. Our Code of Conduct informs all our business practices.
Everyone deserves the opportunity to engage in quick and easy financial services that meet the highest ethical standards. Providing you with this opportunity is our aspiration.
You should contact us if you have queries or concerns regarding our Code of Conduct. We will enthusiastically discuss these matters with you, if you contact us via your dashboard through LOGIN
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.
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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