A variable credit agreement is a contract whereby credit is granted in advance by a merchant to a consumer who is making use of it from time to time, in whole or in part, according to the terms of the agreement..

The variable credit agreement includes, among other things, the contract concluded for the use of what is commonly called a credit card, credit account, revolving credit, line of credit, credit opening and any other contract of the same nature.

You can apply online by filling out our online application form or call us at 877-777-4420 or write at info@creditclick.ca

Applicant must be 18 years of age or older

Applicant must be a resident of Canada

Applicant must have a stable income for a minimum of 4 months

Applicant must receive their income by direct deposit into a Canadian bank account

Applicant must have a minimum income of $2,000 per month

Applicant must not have filed for bankruptcy in the last 6 months or consider filing for bankruptcy or a consumer proposal in the next 6 months

If you are incorporated and your invoices are paid by direct deposit into the account used for the line of credit, you may be eligible for a line of credit.

The rate offered is 12%

Fees will vary dependent on the approved line of credit. Consult the section "Calculate your payments" to estimate your payments

1 hour after the bank verification

If you have filed a consumer proposal or have registered for voluntary deposit;

If you have an unstable professional situation;

If the documentation you provided is incomplete or the information you provided is incorrect.

In the event of default of payment or non-cooperation, a $50.00 fee will be applied to the next payment.

Instant Bank Verification (IBV) is the latest technology used by banking institutions. It allows us to obtain a copy of your bank statement and to confirm your information. With this system, you do not have to send us any documents, which allows us to approve you even faster.

Instant Bank Verification is simply the most secure technology on the market. It has the same level of security as large Canadian banks. We will never have access to your password and username. The copy of your bank statement and the information provided is confidential and will never be shared.

No, never. We receive a read-only copy of your bank statement. We will never have access to your password and username.

Yes. This paperless method is the easiest and fastest way to complete your application.

With the instant bank verification process, you are not required to provide any documentation. It is as secure as the secure system used by large Canadian banks and takes a few 5 minutes to complete.

Easy! You can ask your financial institution to provide you with your online identification information. Once you have your user code and password, it will be important to access your online account before completing the IBV.

YES. To defer a payment, please send an email to info@creditclick.ca at least 72 business hours prior to the collection date.A $25.00 fee will apply. However, by paying on time, you will avoid additional costs related to lack of funds.

YES. We encourage all our clients to make prepayments to save on interest charges and administrative fees. You can ask for your balance at any time and pay it by electronic transfer. It is important to note that pre-authorized debits are mandatory for minimum payments.

We do not perform credit checks. In fact, we do not think that a credit rating is the only aspect that need to be considered. We give credit based on the consistency of your income with your expenses. However, your ability to repay is verified to avoid exposing you to over-indebtedness.

We will verify your employer's phone number, but we will not inform them that it concerns an application for financing. In the event that we are unable to reach you with the number you provided, we may contact your employer or one of your references

You can request a deferral of payment by sending an email to info@creditclick.ca, at least 72 business hours before the collection date. A $25.00 fee will apply. However, by paying on time, you will avoid additional costs related to lack of funds.

Collection Procedure and Credit Rating: CreditClick complies with Canadian legal standards. If a particular situation arises during your repayment period, our collection department will establish a repayment agreement with you, taking into account your situation.In the event that the debtor fails to make any of the payments provided in this contract by the due date,the creditor may require the full payment of any outstanding balance, capital, interest and costs. All judicial and extrajudicial costs that are reasonably incurred in connection with defects in this contract shall be claimed from the debtor for any pre-authorized check or payment returned to the creditor.In the event that no payment agreement is possible between the debtor and the creditor, the creditor may assign the file to a collection agency, which may then affect the credit rating of the debtor.