Applying through Jessica’s House takes about ten minutes online. Here is each step, what you will be asked for, and what happens on your side.
Check the cost
Use the payday loan calculator to see the most you would repay. If the number would leave you short next payday, stop here and look at the alternatives.
Apply online
Tell us your name, contact details, province, income source and pay schedule. There is no fee and no hard credit check from applying.
Verify your bank account
Connect your bank through a secure, read-only verification service so the lender can confirm your income. Nothing to fax.
Get a decision
A licensed lender reviews your application and tells you how much you qualify for. It may be less than you asked for.
Read and e-sign
Your agreement shows the amount, the total cost in dollars, the APR, the due date and your cancellation rights. Sign only if it all makes sense.
Receive your money
The lender sends the funds by Interac e-Transfer, usually the same business day.
Repay on payday
The full amount is collected by pre-authorized debit on your due date. If you will be short, contact the lender before that date.
Who can apply
- Canadian residents aged 18 or older, or the age of majority in your province
- Living in a province where the lender is licensed (not Quebec)
- Regular income deposited into a Canadian bank account
- A valid email address and mobile number
What you do not need
- A good credit score: most lenders do not run a hard credit pull
- A fax machine, printer or scanner
- Collateral
- To visit a store