How can I apply for financing?
It's simple! To apply for a loan, click the "Apply for Financing" button to submit your application.
What types of loans are offered?
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.
What types of procedures and products are covered?
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
What are the loan amounts?
Our loan amounts start from $500 and can go up to $25,000.
Can I borrow only a portion of the procedure or purchase amount?
Certainly! iFinance will directly pay the requested amount to your clinic or merchant, and you can pay the balance at your convenience.
What will be the interest rates?
Our interest rates are competitive and personalized based on each applicant's credit profile and financial situation. Contact our customer service for a personalized plan that suits your needs.
What loan terms are available?
We generally offer loan terms ranging from 12 to 72 months.
Can I repay the loan before the end of the term?
Yes, there are no penalties for early repayment. You can repay the loan at any time at your convenience.
What are the requirements to obtain a loan?
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.
If I have no credit history, can I apply with a cosigner?
Yes, you can have a cosigner whose credit history would enable approval and who agrees to assume the obligation.
Will it cost me anything to apply for financing?
No, applying for financing is completely free.
Do I need to make a down payment to borrow?
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.
How long does it take for financing to be approved?
Financing approval is instant once the form is filled out and submitted. No more waiting!
Can I have more than one loan with iFinance?
Absolutely! Each funded loan is subject to the same approval process to determine your repayment capacity.
If I haven't chosen a doctor or service provider yet, can I get pre-approval for financing?
Yes, iFinance can pre-approve your financing even before you have chosen a clinic or store for your purchase.
What should I do if the clinic or store is not registered with iFinance?
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.