FAQ
Frequently Asked Questions
- 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?A personal loan is a borrowed sum of money that you can use for a wide variety of needs, providing a flexible solution to consolidate debt, finance a project, or cover unexpected expenses.
Our loan options cover a wide array of purposes and loan amounts, from $750 to $3,000, with competitive rates as low as 9.99%. - What are the steps for a loan application?To get started with your loan application, the process is quick and simple. First, fill out a short form to provide us with your basic information. Next, you’ll verify your identity using Vouched, a trusted and secure facial recognition service. Then, connect your banking institution through Flinks, a reliable platform for securely verifying your income and ensuring eligibility. Additionally, we require evidence of an established credit history in good standing. Once all details are verified, your funds will be transferred to your bank account within 1 to 2 business days.
- What are the loan amounts?Our loan amounts start from $750 and can go up to $3,000.
- Who should I speak to if I need assistance?Please note that while Couche-Tard / Circle K are valued partners, their employees are not able to provide direct assistance. For any support, you are welcome to reach out to our customer service department at 1-888-689-9876, where we will be pleased to help you.
- What will be the interest rates?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.
- What loan terms are available?We generally offer loan terms ranging from 12 to 60 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?To qualify for a loan, we require proof of income, employment details, an established credit history in good standing, and other relevant financial information. This helps us assess your ability to repay the loan and determine the best options for you.
- If I have no credit history, can I apply with a cosigner?Currently, cosigners cannot be added to your application. To qualify, you must meet all the criteria on your own. Please ensure you have the necessary documentation, such as proof of income and an established credit history.
- Will it cost me anything to apply for financing?No, there is no cost to submit an application.
- Where and when will the funds be transferred?The funds will be transferred into the bank account you linked during your approval process, within 1 to 2 business days after your application is completed.
- 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! As long as you meet the required criteria, you can have multiple loans with iFinance. Each loan application will go through the approval process, which will assess your repayment capacity.
- Why do I need to enter my banking details?To complete your loan application, we need to securely verify your income and set up your payment details. Rest assured, we never access your password or make any transactions on your account. Your privacy and security are our top priority.
- How does the facial recognition process work?The facial recognition process begins with you providing a live image or video of yourself, which the system then compares to the photo ID that you've submitted. Using advanced algorithms, it analyzes the facial features to ensure a match, confirming your identity without the need for physical documentation or in-person verification. This secure method allows for quick and easy identity confirmation as part of the application process
FAQ
- 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?A personal loan is a borrowed sum of money that you can use for a wide variety of needs, providing a flexible solution to consolidate debt, finance a project, or cover unexpected expenses.
Our loan options cover a wide array of purposes and loan amounts, from $750 to $3,000, with competitive rates as low as 9.99%. - What are the steps for a loan application?To get started with your loan application, the process is quick and simple. First, fill out a short form to provide us with your basic information. Next, you’ll verify your identity using Vouched, a trusted and secure facial recognition service. Then, connect your banking institution through Flinks, a reliable platform for securely verifying your income and ensuring eligibility. Additionally, we require evidence of an established credit history in good standing. Once all details are verified, your funds will be transferred to your bank account within 1 to 2 business days.
- What are the loan amounts?Our loan amounts start from $750 and can go up to $3,000.
- Who should I speak to if I need assistance?Please note that while Couche-Tard / Circle K are valued partners, their employees are not able to provide direct assistance. For any support, you are welcome to reach out to our customer service department at 1-888-689-9876, where we will be pleased to help you.
- What will be the interest rates?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.
- What loan terms are available?We generally offer loan terms ranging from 12 to 60 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?To qualify for a loan, we require proof of income, employment details, an established credit history in good standing, and other relevant financial information. This helps us assess your ability to repay the loan and determine the best options for you.
- If I have no credit history, can I apply with a cosigner?Currently, cosigners cannot be added to your application. To qualify, you must meet all the criteria on your own. Please ensure you have the necessary documentation, such as proof of income and an established credit history.
- Will it cost me anything to apply for financing?No, there is no cost to submit an application.
- Where and when will the funds be transferred?The funds will be transferred into the bank account you linked during your approval process, within 1 to 2 business days after your application is completed.
- 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! As long as you meet the required criteria, you can have multiple loans with iFinance. Each loan application will go through the approval process, which will assess your repayment capacity.
- Why do I need to enter my banking details?To complete your loan application, we need to securely verify your income and set up your payment details. Rest assured, we never access your password or make any transactions on your account. Your privacy and security are our top priority.
- How does the facial recognition process work?The facial recognition process begins with you providing a live image or video of yourself, which the system then compares to the photo ID that you've submitted. Using advanced algorithms, it analyzes the facial features to ensure a match, confirming your identity without the need for physical documentation or in-person verification. This secure method allows for quick and easy identity confirmation as part of the application process
