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Before you apply — make sure you qualify
Takes 5 minutes · No credit check · Instant decision
✓ Be at least 18 years old
✓ Resident of BC, ON, NS, NB, PE or NL
✓ Steady income for the past 3 months
✓ Monthly net income of at least $800
✓ Active Canadian bank account (pre-authorized debits enabled)
✓ Not currently in bankruptcy or consumer proposal
✓ Valid Canadian phone number and email address
✓ Few or no non-sufficient fund (NSF) transactions
⚡ Funds deposited same day via Interac e-Transfer if approved before our daily cutoff.
Step 1 — Personal Info 1 of 3
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Personal Financial Banking
You're applying for
$800
via Interac e-Transfer · No credit check · Decision in minutes
🔒 Secure ⚡ Same-day funding 📋 Licensed lender

Tell us about yourself

Your information is encrypted and never shared with third parties.

Please enter your first name
Please enter your last name
You must be 18 or older
Please select your province
Please enter your address
Please enter your city
Enter a valid postal code
Enter a valid phone number
Enter a valid email address
Enter a valid 9-digit SIN 🔒 Your SIN is encrypted with 256-bit SSL and used only for identity verification.

Your financial info

We use this to confirm your ability to repay. No credit check required.

Please select your employment status
Minimum income is $800/month After-tax income in CAD
Please select your pay frequency
Bank-level encryption

Connect your bank

Securely link your bank account so we can verify your income and set up e-Transfer deposits. Your login credentials are never stored by Waves Financial.

🔒 256-bit encrypted connection
👁️ Read-only — we can't move money
⚡ Takes under 60 seconds
🌊

Application Submitted!

Thank you! Your application has been received. Our team reviews applications during business hours and you'll hear from us quickly.

Reference # WF-000000
1 We'll review your application and verify your information — usually within a few hours during business hours.
2 You'll receive an email or call with your approval decision and loan agreement to e-sign.
3 Once signed, your funds are sent by Interac e-Transfer — typically within 2 minutes.
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🔒256-bit SSL
🚫No credit check
📋Licensed lender
⚡Decision in minutes