Eligibility & documents
Check you meet the requirements and have your documents ready before you start. It saves time and avoids a declined application.
Requirements by province
| Province | Age of majority |
|---|---|
| Ontario | 18 |
We only lend in provinces where we hold a licence. See all provinces.
Documents
What you’ll need
Driver’s licence
A valid driver’s licence.
PR card or Canadian passport
Your permanent resident card or Canadian passport.
Pre-authorized debit form or void cheque
So your payments can be taken automatically from your bank account.
Proof of address
A recent bill in your name, such as a utility or phone bill.
2 recent pay slips
Your two most recent pay stubs.
60 days of bank statements
Statements covering your most recent 60 days.
How to send your documents
Email your documents and any questions to oro168operations@gmail.com. Please send clear photos or PDFs.
Declined applications
Common reasons applications are declined
- Income is too low or irregular for the payment
- Existing debt payments are already high
- Recent missed payments or collections
- Details couldn’t be verified
- Living in a province we don’t serve yet
If you’re not eligible
You have other options. Non-profit credit counselling is free and confidential, and can help with budgeting or a debt management plan.
Alternatives and credit counselling