Welcome to Waves Financial

Takes 5 minutes · No credit check · Instant decision

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Before you apply — make sure you qualify

Funds deposited same day via Interac e-Transfer if approved before our daily cutoff

✓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 with direct deposit enabled

✓Not currently in bankruptcy or consumer proposal

✓Valid Canadian phone number and email address

✓Few or no non-sufficient fund (NSF) transactions

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New Loan

First time applying with Waves Financial? Start your application here.

Apply now →

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Loan Renewal

Existing customer? Renew your current loan quickly — most info pre-filled.

Renew now →

No credit check

Decision in minutes

256-bit encrypted

Licensed Canadian lender

Step 1 — Your Information 1 of 3

Your Info Loan Agreement Bank Verification

How much do you need?

$300

Estimated biweekly payment: ~$34 · 23% APR · No credit check

🔒 Secure ⚡ Same-day e-Transfer 📋 Licensed lender

Your personal info

All information is encrypted and never shared with third parties.

Identity

First Name * ⚠ Required

Last Name * ⚠ Required

Email * ⚠ Valid email required

Date of Birth * ⚠ Must be 18+

Home Phone * ⚠ Required

Cell Phone * ⚠ Required

Sex *

Male Female

⚠ Required

Social Insurance Number

Residential Address

Street Address * ⚠ Required

Apt / Unit

City * ⚠ Required

Province *

⚠ Required

Postal Code * ⚠ Invalid postal code

Employment & Income

Primary Source of Income *

⚠ Required

Other Income Type

Employer Name * ⚠ Required

Work Phone * ⚠ Required

Job Description * ⚠ Required

Immediate Supervisor * ⚠ Required

Approximate Hiring Date * ⚠ Required

When did you start receiving EI? * ⚠ Required

Paid by *

Direct Deposit Cheques

⚠ Required

Pay Frequency *

⚠ Required

Next Pay Deposit Date * ⚠ Required

Loan Details

Declaring bankruptcy or consumer proposal? *

Yes No

⚠ Required

Ever declared bankruptcy in the past? *

Yes No

⚠ Required

Safety Contact

Sharing a safety contact shows us you intend to use our services in good faith. They will not be contacted without cause.

First Name * ⚠ Required

Last Name * ⚠ Required

Phone Number * ⚠ Required

Relationship *

⚠ Required

How would you like to receive your funds? *

Direct Deposit Free Same day if approved before 2:30 PM EST. Instant Deposit In your account within 1–2 hours of approval. Interac e-Transfer® +$6.00 Sent to your email on file within ~2 minutes of approval.

🔒 256-bit SSL🚫 No credit check ⚡ Instant decision🇨🇦 Licensed in Canada

$800 · Review & sign your loan agreement

Loan Agreement

Please read your loan agreement carefully before signing. Your typed signature is legally binding.

📄

Waves Financial Loan Agreement

Personal Loan · 23% APR · $800

Pending signature

Loan Amount

$800

Annual Interest Rate

23% APR

Deposit Method

Direct Deposit

Pay Frequency

—

PERSONAL LOAN AGREEMENT

This Loan Agreement ("Agreement") is entered into between Waves Financial Inc. ("Lender") and the applicant identified in this application ("Borrower"), effective as of the date of signing below.

1. LOAN AMOUNT & DISBURSEMENT

The Lender agrees to provide the Borrower with the loan amount selected above (the "Principal"). Funds will be disbursed via the method selected by the Borrower on the same business day of approval, provided the application is approved before 2:30 PM EST.

2. INTEREST RATE

The loan carries an Annual Percentage Rate (APR) of 23% calculated on a simple interest basis. The total cost of borrowing will be disclosed in your final loan documents.

3. REPAYMENT

Repayments will be collected via Pre-Authorized Debit (PAD) from the bank account verified in Step 3 of this application, aligned with the Borrower's pay frequency. The Borrower may repay the loan in full at any time without penalty.

3a. PAYMENT SCHEDULE

Schedule will appear once payment frequency and next pay date are confirmed.

4. PRE-AUTHORIZED DEBIT AUTHORIZATION

By signing this Agreement, the Borrower authorizes Waves Financial Inc. to initiate pre-authorized debit transactions from the verified bank account for each scheduled repayment amount on or after each due date. This authorization remains in effect until all amounts owing under this Agreement are paid in full.

5. DEFAULT

The Borrower will be considered in default if a scheduled payment is not received within 3 business days of the due date. Waves Financial reserves the right to charge an NSF fee of $45.00 for each returned payment.

6. PRIVACY

The Borrower's personal and financial information is collected solely for the purpose of processing this loan application and administering the loan. Information will not be sold or shared with third parties except as required by law or to facilitate repayment processing.

7. GOVERNING LAW

This Agreement is governed by the laws of the province in which the Borrower resides and applicable federal laws of Canada.

8. ENTIRE AGREEMENT

This Agreement, together with the Terms & Conditions and Privacy Policy, constitutes the entire agreement between the parties and supersedes all prior discussions.

Scroll to read the full agreement before signing.

I have read and understand the full loan agreement above.

✍️

Electronic Signature

Type your full legal name exactly as it appears on your ID

Full Legal Name * ⚠ Your signature is required

By typing your name you are providing an electronic signature and agreeing to be legally bound by the loan agreement above. Timestamp:

I agree to the Terms & Conditions and Privacy Policy, and I authorize Waves Financial to initiate pre-authorized debits from my verified bank account for loan repayments. I accept periodic contact by Waves Financial by email with promotions or account updates. ⚠ Please read the agreement, sign, and accept the terms to continue

$800 · Last step — verify your bank

Connect your bank

Securely link your Canadian bank account to verify income and receive your funds. Read-only — we can never move money.

🏦

Instant Bank Verification

Powered by Flinks — Canada's trusted open banking platform. Your login credentials are entered directly into your bank's secure environment and never transmitted to Waves Financial.

RBCTDBMO CIBCScotiaDesjardins TangerineEQ Bank+700 more

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256-bit encrypted

👁️

Read-only · can't move money

⚡

Under 60 seconds

⚙️

Dev mode — Replace YOUR_FLINKS_CLIENT_ID in the source with your Flinks iframe URL to activate. Use the button below to simulate a successful connection for testing.

✅

Bank Connected!

RBC Royal Bank Chequing ••••4521

Your account is securely verified. Your credentials were never transmitted to Waves Financial.

I authorize Waves Financial to initiate pre-authorized debits from the verified account for loan repayments as outlined in the signed Loan Agreement. ⚠ Please accept the PAD authorization to continue

🔒 Bank-level encryption 👁️ Read-only access 🚫 Credentials never stored

🌊

Application Submitted!

Your signed application and bank verification are in. Our team will review your file and contact you quickly during business hours.

Reference # WF-000000

1We review your application and verified bank data — usually within a few hours.

2You'll receive a final confirmation email with your approved loan details.

3Funds arrive via your chosen method same day if approved before 2:30 PM EST.

← Back to Home

🌊

We can't approve this application

We appreciate you applying. Based on the information provided, we're unable to offer a loan at this time. This is not a credit check.

💡Your monthly income appears to be below our minimum requirement.

💬

Talk to our team

Sometimes exceptions apply. Call or email us.

❓

Eligibility FAQ

Learn what we look for and when you might qualify.

Step 1 — Your Information 1 of 3

Your Info Loan Agreement Bank Verification

How much do you need?

$800

Estimated biweekly payment: ~$91 · 23% APR · Returning customer

🔒 Secure ⚡ Same-day e-Transfer 🔄 Returning customer

Your information

Confirm your details and update only what has changed since your last loan.

Personal Information

First Name * ⚠ Required

Last Name * ⚠ Required

Date of Birth * ⚠ Required

Email * ⚠ Valid email required

Cell Phone * ⚠ Required

Home Phone * ⚠ Required

Address

Did you change address? *

No Yes

⚠ Required

Street Address *

City

Province *

Postal Code

Employment

Did you change jobs? *

No Yes

⚠ Required

Source of Income *

Other Income Type

Approximate Hiring Date *

EI Start Date *

Pay Frequency *

⚠ Required

Banking

Did you change banking information? *

No Yes

⚠ Required

New Bank *

Institution Number *

5-Figure Transit Number *

Account Number *

Loan Request

Amount *

Next Pay Date * ⚠ Required

How would you like to receive your funds? *

Direct Deposit Free Same day if approved before 2:30 PM EST. Instant Deposit Within 1–2 hours of approval. Interac e-Transfer® +$6.00 Sent to your email on file. Available to returning clients only.

$800 · Review & sign your renewal agreement

Renewal Agreement

Please read your renewal loan agreement carefully before signing. Your typed signature is legally binding.

📄

Waves Financial Loan Renewal Agreement

Loan Renewal · 23% APR · $800

Pending signature

Renewal Amount

$800

Annual Interest Rate

23% APR

Deposit Method

Direct Deposit

Pay Frequency

—

LOAN RENEWAL AGREEMENT

This Loan Renewal Agreement ("Agreement") is entered into between Waves Financial Inc. ("Lender") and the existing client identified in this renewal request ("Borrower"), effective as of the date of signing below.

1. RENEWAL AMOUNT & DISBURSEMENT

The Lender agrees to provide the Borrower with the renewal loan amount selected above. Funds will be disbursed via the method selected by the Borrower, on the same business day of approval if approved before 2:30 PM EST.

2. INTEREST RATE

This renewal carries an Annual Percentage Rate (APR) of 23% on a simple interest basis. Total cost of borrowing will be disclosed in your final renewal documents.

3. REPAYMENT

Repayments will be collected via Pre-Authorized Debit (PAD) from the verified bank account, aligned with the Borrower's pay frequency. The Borrower may repay in full at any time without penalty.

3a. PAYMENT SCHEDULE

Schedule will appear once payment frequency and next pay date are confirmed.

4. PRE-AUTHORIZED DEBIT AUTHORIZATION

By signing this Agreement, the Borrower authorizes Waves Financial Inc. to initiate pre-authorized debit transactions from the verified bank account for each scheduled repayment on or after each due date. This authorization remains in effect until all amounts owing are paid in full.

5. DEFAULT & GOVERNING LAW

The Borrower will be in default if a payment is not received within 3 business days of the due date. An NSF fee of $45.00 applies per returned payment. This Agreement is governed by the laws of the Borrower's province of residence and applicable federal laws of Canada.

6. ENTIRE AGREEMENT

This Agreement, together with the Terms & Conditions and Privacy Policy, constitutes the entire agreement between the parties.

Scroll to read the full agreement before signing.

I have read and understand the full renewal agreement above.

✍️

Electronic Signature

Type your full legal name exactly as it appears on your ID

Full Legal Name * ⚠ Your signature is required

By typing your name you are providing an electronic signature and agreeing to be legally bound by the renewal agreement above. Timestamp:

$800 · Last step — verify your bank

Connect your bank

Securely link your Canadian bank account to confirm your details and receive funds. Read-only — we can never move money.

🏦

Instant Bank Verification

Powered by Flinks — your login credentials are entered directly into your bank's secure environment and never transmitted to Waves Financial.

RBCTDBMO CIBCScotiaDesjardins TangerineEQ Bank+700 more

🔒

256-bit encrypted

👁️

Read-only · can't move money

⚡

Under 60 seconds

⚙️

Dev mode — Replace YOUR_FLINKS_CLIENT_ID with your Flinks iframe URL to activate. Use the button below for sandbox testing.

✅

Bank Connected!

RBC Royal Bank Chequing ••••4521

Your account is securely verified. Your credentials were never transmitted to Waves Financial.

I authorize Waves Financial to initiate pre-authorized debits from the verified account for renewal repayments as outlined in the signed Renewal Agreement. ⚠ Please accept the PAD authorization to continue

🔒 Bank-level encryption 👁️ Read-only access 🚫 Credentials never stored

🔄

Renewal Submitted!

Your signed renewal and bank verification are in. Our team will review your file and contact you quickly during business hours.

Reference # WF-R-000000

1We'll verify your renewal request and updated information.

2You'll receive an email confirming your new loan amount and terms.

3Funds arrive via your chosen method same day if approved before 2:30 PM EST.

← Back to Home

🧪

Lead Scoring Engine — Demo

Board presentation · Simulated Flinks bank data

Quick-load a scenario or edit any field manually, then click Run to see the score.

📊 Bank Signals (from Flinks)

Verified Income / month ($)

Declared Income / month ($)

Fixed Obligations / month ($)

Average Daily Balance ($)

NSF Count (last 90 days)

Payment Oppositions (last 90 days)

Account Age (days)

Income Regularity

💰 Loan

Requested Amount ($)