How it works
Most people go from rate check to funds as soon as the next business day, once they’re approved and have signed. Timing depends on verification and your bank.
Check your rate
Tell us how much you’d like to borrow and a little about your income. It takes about 5 minutes.
Your data: sent over an encrypted connection to apply.oro168.ca. We use a soft credit check, which doesn’t affect your score.Verify your details
Confirm your ID and connect your bank account so we can confirm your income.
Your data: bank verification uses read-only access through [verification provider]. We can’t move money or see your password.Get your offer
See your rate, payment, total cost of borrowing and every fee before you commit.
Your data: a full credit check happens only if you accept an offer.Sign online
Read your agreement and sign electronically. Your cancellation period starts when you sign.
Your data: we email you a copy of your signed agreement.Receive your funds
By Interac e-Transfer or direct deposit.
What the credit check does
Checking your rate is a soft inquiry. It’s visible only to you and doesn’t change your score. If you accept an offer, we make a hard inquiry, which other lenders can see.
After you get your money
- Payments come out automatically on the dates in your agreement.
- Call or email us any time for your balance, documents or a payoff amount.
- Pay extra or pay off early any time, with no penalty.
Process questions
What do I need to apply?
Government-issued photo ID, your income details, and online banking access for the Canadian account your pay goes into. Full list.
Can I save my application and come back?
[Confirm with the application platform.]
Why do you need to connect my bank account?
It’s the fastest way to confirm your income and the account we’ll pay into. Access is read-only.
What if I’m declined?
We’ll tell you the main reasons where we can. Common reasons and alternatives.