Bad credit?
We don't check it.
Your income tells us all we need
A three-digit number from your past shouldn't stop you from covering an emergency today. We evaluate your current income — not your credit history. Bad credit, no credit, past bankruptcy — you can still apply.
Six reasons Canadians with bad credit choose Waves Financial
Being turned down by banks because of your credit score is frustrating and frankly unfair. Here's what we offer instead.
We never perform a hard or soft credit inquiry. Your score isn't checked, not now, not ever. Applying will not appear on your credit report and will not impact your score in any way.
Once approved and signed, your funds are sent by Interac e-Transfer within 2 minutes — 24 hours a day, 7 days a week, including weekends and holidays.
Our APR is 23.00% — clearly disclosed before you sign anything. No hidden fees, no application costs, no early repayment penalties. Ever.
Choose weekly, biweekly, or monthly repayments to match your pay cycle. Payments collected automatically — no manual transfers needed.
256-bit SSL encryption protects every piece of data you submit. Your information is never sold or shared with third parties.
Real people, based in Canada, available by phone and email. No chatbots, no overseas call centres — just honest help when you need it.
From "I need help" to money in your account — in under 10 minutes
Complete our 100% digital application from any device. Takes about 5 minutes. No documents to scan or upload.
~5 minutesOur automated system reviews your application immediately. No credit check. No waiting for a loan officer to call back.
Under 60 secondsSign your digital loan agreement and your funds are sent by Interac e-Transfer directly to your bank account.
~2 minutesPick your amount — approved regardless of credit history
Every amount is available to applicants with bad credit, no credit, or past financial difficulties — as long as you meet our income requirements.
Your credit score is not the whole story. We know that.
Waves Financial was built for Canadians who've been told no before. We look at your income, not your past. Apply in 5 minutes and if approved, receive your funds by e-Transfer before you finish your coffee.
Available in 6 Canadian provinces
We are licensed and regulated in every province we operate in. Your borrowing rights are always protected.
Canadians with bad credit who got approved
"I've been turned down by every bank because of my credit score. Waves Financial didn't even look at it. Approved in under a minute, money in my account before I went to bed."
"I've been turned down by every bank because of my credit score. Waves Financial didn't even look at it. Got approved in seconds and the money came right away."
"I'm new to Canada with zero credit history. I thought no lender would touch me. Waves Financial approved me based on my job — 4 months in. Simple, fast, no judgment."