Why BC-Loans ?
- Because it’s easy, secure and fast.
- Your loan is approved in one hour or less.
- It’s a great alternative to payday loans, because you can reimburse it in 3, 6 or 12 installments depending on your pay frequency over a three month period.
- *No hidden fees, everything is transparent.
- **The money is deposited directly in your bank account the same day.
Quick & Easy Alternative to Payday Loans
The APR on the amount borrowed from the lender is fixed at 32%. With the transactions fees of 0.50 it can add up too 34.4%.
Returning customers may renew after a grace period to give them time to complete a previous loan before payments their new loan begin.
You can payoff your loan faster by making larger payment. You will save on interest.
Missed Payments and credit score:
Any payments that are missed will be put to the end of your contract with a $40 insufficient funds charge as is stated in the contract. This will not impact your credit score with our company. If you need to postpone a payment, you must call us 48 hours in advance, it will be put to the end of your contract with a $25 fee. Well paid loans assure great service and renewing your loan is always hassle free.
Our company uses fair collection practices. If you fail to make your payments, our collection officers may terminate your installment plan and employ different collection methods to recuperate the money that is due. Installments that are terminated will collect interest on the unpaid balance of your loan. The borrower covers any legal fees required to obtain the balance. Any uncollected debts are pursued to the full extent of the law.
Policy regarding responsible lending:
All applications are submitted through a filtering process to ensure
the borrower have sufficient income to repay the loan. This includes, but is not limited to: verifying that your monthly salary is sufficient to repay the loan and qualifies for such a loan. That you do not have an excessive amount of insufficient fund charges in your bank account. That you do not have an excessive amount of preauthorized payments posted to your bank account that would interfere with paying your loan in a timely manner. If you do not meet any of these criteria, your loan application will be refused.
Please borrow responsibly. We are offering you a way to help in a difficult time. However, the interest rate is higher than the rate of local banks. They should only be taken when you have no other options for financial assistance and should be used as seldom as possible. When taken seriously it may be the right answer for you. However, taking on many short term loans at the same time could result in serious financial problems and an overbearing debt.
Avail easy, secure, fast BC payday loan alternatives. BC-Loans offers short term fast loans in Vancouver Ontario Toronto Edmonton Calgary BC Loans Canada.
Bc-Loans.com is a brokerage company that specializes in alternatives to Payday loans. The main difference: Payments plans that extend over 90 days.
100% safe. Our brokerage firm guarantees that your information will be kept confidential. Bc-Loans.com only works with lenders that are licensed with the proper government agencies.
* We do not offer payday loans / short term loans. The minimum payment term is 84 days. Equal payments are done directly from your bank account on your payday for a period of 3 months. You must be paid by direct deposit to be eligible.
** Sometimes transfers may take up to 24 hours depending on your bank.
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