Frequently Asked Questions

It's simple! To apply for a loan, click the "Apply for Financing" button to submit your application.

We offer various types of loans to meet your needs. Whether you need financing for medical expenses, cosmetic procedures, dental treatments, personal expenses, or the care of your four-legged friend, we have loan options tailored to your specific needs.
Our loan options cover a wide range of purposes and loan amounts, ranging from $500 to $25,000, with competitive low rates.

Medicard: Any medical procedure or product (e.g., plastic or cosmetic surgery, surgical intervention, and more)

Dentalcard: Any dental procedure or product (e.g., orthodontic treatments, Invisalign clear aligners, teeth whitening, dental veneers, dentures, dental implants, emergency dental care, and more)

Petcard: Any veterinary procedure or product (e.g., surgery, spay/neutering, dental care, radiography, laboratory tests, euthanasia, emergency veterinary care, and more)

Virtual credit cards: With our virtual credit card, you can make purchases instantly and enjoy the convenience of buying now and paying later. Say goodbye to limitations and hesitation while shopping online. Simply use our virtual credit card for your purchases and experience the freedom of flexible payments.

Other personal loans: Achieve your dreams with our personal loans! From new furniture to dream vacations and memorable weddings, we've got you covered. Say yes to what you desire and make life's moments extraordinary. Experience the financial freedom you deserve with our personalized loan solutions

Our loan amounts start from $500 and can go up to $25,000.

Certainly! iFinance will directly pay the requested amount to your clinic or merchant, and you can pay the balance at your convenience.

Our interest rates are competitive and personalized based on each applicant's credit profile and financial situation. To find out your personalized rate, we encourage you to apply online. Applying for a pre-qualification does not affect your credit score, ensuring you can apply without risk. A detailed credit review will be conducted only if you choose to proceed with us.

We generally offer loan terms ranging from 12 to 72 months.

Yes, there are no penalties for early repayment. You can repay the loan at any time at your convenience.

Loan requirements may vary depending on the type of loan you are interested in.

In general, we require proof of income, employment details, credit scores, and other relevant financial information.

Yes, you can have a cosigner whose credit history would enable approval and who agrees to assume the obligation.

No, applying for financing is completely free.

No, no down payment is required. It's up to you to decide if you want to make a down payment to your clinic or service provider. iFinance Canada will finance the total cost of your purchase, including a down payment if needed.

Financing approval is instant once the form is filled out and submitted. No more waiting!

Absolutely! Each funded loan is subject to the same approval process to determine your repayment capacity.

Yes, iFinance can pre-approve your financing even before you have chosen a clinic or store for your purchase.

Simply contact iFinance. Our team will reach out to your clinic or store to offer them the opportunity to register.
In the meantime, you can apply for pre-approval of your financing by filling out the online form.

Unlike traditional banks, we consider the strength of the borrower's profile rather than just the asset when lending money.

Our various personal loan programs allow you to offer low and affordable monthly payments, reducing unpleasant surprises related to the cost of purchase. By providing a flexible payment option to clients in need, you can increase your clientele.

Simply invite your clients to apply for financing online, which is simple and fast. Loan approval happens in real-time, and we then directly deposit the payment to your clinic, business, or store.

Absolutely not! Your clients' financing applications are done online (or by phone if necessary). All financing documentation for the client is handled by iFinance and signed electronically by the borrower.

Once you are registered as a service provider, we will send you brochures with application forms and a display stand that you can set up in your waiting room or store.

You can also have your professional practice or business profile listed on our website.

Our personal loan solutions offer various programs ranging from $500 to $25,000 that cater to all needs.

Approval for the personal loan happens in real-time, without any waiting. Simply fill out the online form and press the submit button. It's that simple!

You only need to let us know when you would like to receive the payment, and Medicard will accommodate your request up to four weeks before the procedure date.

Fill out our online registration form, and our team will contact you to finalize your membership application.