Applied online.
Approved instantly.
Money in minutes.
With Waves Financial, your loan doesn't arrive tomorrow or next week — it arrives in approximately 2 minutes via Interac e-Transfer, 24 hours a day, 7 days a week. No branch visit. No waiting on hold. Just fast, simple funding when you need it most.
The fastest path from application to money in your account
Most of our customers go from opening the application to receiving their e-Transfer in under 10 minutes. Here's exactly how.
Fill out our short digital form on any device. No documents to upload, no branch to visit, no appointment needed.
~5 minutesConnect your bank via Flinks — a secure, read-only tool. We review your last 90 days of deposits. No credit check, ever.
Under 60 secondsOur automated system makes a decision instantly. If approved, you'll see your offer and e-sign your agreement digitally.
SecondsThe moment you sign, we send your funds by Interac e-Transfer directly to your bank account. Day or night.
~2 minutesFast funding that actually delivers on its promise
Plenty of lenders claim to be fast. We're built around it — from our automated approval system to our 24/7 e-Transfer delivery.
From approval to your bank account in approximately 2 minutes — midnight on Christmas Eve or 2 PM on a Tuesday. Our e-Transfer system never sleeps and never takes a day off.
Emergencies don't follow business hours. Our entire application, approval, and funding process runs around the clock — including weekends, holidays, and late nights.
We approve based on your income, not your credit score. No hard pull, no soft pull. Applying will never affect your credit report or lower your score in any way.
Every fee and cost is shown clearly before you sign. No surprises, no origination charges, no early repayment penalties. You know exactly what you're agreeing to.
Choose weekly, biweekly, or monthly repayment schedules aligned with your pay cycle. Automatic collection means one less thing to remember.
256-bit SSL encryption protects every piece of data from application to repayment. Your information is never sold or shared with third-party marketers.
Why e-Transfer is the fastest way to receive your funds
If you've ever sent money to a friend using your bank's app, you already know how Interac e-Transfer works. We use the same technology to deliver your loan.
$500 to $1,000 — delivered by e-Transfer in ~2 minutes
Every amount is funded by Interac e-Transfer the moment your application is approved and signed. Day or night, any day of the year.
The money you need, faster than you thought possible.
Apply in 5 minutes. Get an instant decision. Receive your funds by Interac e-Transfer in approximately 2 minutes — any time of day, any day of the year. No branch visit. No hold times. No waiting until morning.
e-Transfer loans available in 6 provinces
Licensed and regulated in every province we serve. Your rights as a borrower are always protected.
They needed it fast. We delivered.
"I applied at 11:45 PM on a Friday — my landlord needed rent by midnight or I'd be locked out. Waves sent the e-Transfer in under 2 minutes. I couldn't believe it. Literally saved my weekend."
"My car broke down on the highway on a Sunday. I needed a tow and couldn't wait until Monday for a bank transfer. Applied on my phone while waiting for the tow truck. Money was there before they arrived."
"I've tried other online lenders that say 'same day' but end up being next morning. Waves Financial is genuinely 2 minutes. I've now used them twice and both times the e-Transfer notification came through before I closed my laptop."