My co-borrower has just passed away. What are the consequences for my current loan?

The credit continues and must be supported by the living borrower. The borrower must contact us and provide us with the death certificate. If the borrower had death insurance, then the insurance will cover all or part of the insured loan. If there is no death insurance, then the living borrower must bear the cost of the loan alone.

I am going to divorce, is it possible to repay an existing loan on my own?

You must first be divorced to consider this solution or have a property separation contract. You can take out a loan to buy out your former spouse's share. If you have a mortgage loan in both names, you can continue to repay it alone if your income is sufficient to repay the initial monthly payment (decoupling of the loan), which requires the agreement of the lending bank. If the monthly payment proves too high, we could refinance the remaining balance of the mortgage loan over a longer term through another bank.

I have several outstanding loans. Can you simplify my situation?

Yes , we recommend that you consolidate all your loans so that you only have one outstanding loan and one monthly payment. Our advisors will offer you an interest rate that will make your new monthly payment less than the sum of your current monthly payments.

My application for credit has been denied. How long do I have to wait to reapply?

You must wait three months and one day to reapply.

How long do I have to wait to get an answer on my credit application?

We introduce your file to one of our financial partners who will give us an answer within 24 hours.

Do I have to come to your offices to apply for credit?

The vast majority of credit requests are made by telephone. However, when your request is accepted, you will need to make an appointment with one of our advisors who will examine your supporting documents and give you the credit contract for signature.