Before starting your application, you must meet the following criteria.

• Be at least 18 years old
• Not be considering bankruptcy or entering into a consumer proposal
• Have a Canadian bank account (active for at least 3 months) in which you are paid by direct deposit from your employer
• Have a low short-term debt ratio (minimal other active short-term or payday loans)
• Have a stable job (for at east 3 months) and a monthly income of at least $1,200 received by direct deposit from your employer
• Have few or no non-sufficient fund transactions