Frequently asked questions

Click Check your rate. Your application opens on our secure application site, apply.oro168.ca. You can also call us and we’ll guide you.

A driver’s licence, a PR card or Canadian passport, a pre-authorized debit form or void cheque, proof of address (a recent bill), your 2 most recent pay slips, and 60 days of bank statements. Full list.

About 5 minutes to check your rate. Verification and signing usually take a little longer, depending on your bank.

Anyone who has reached the age of majority in their province, lives in a province we serve, has regular income, a Canadian bank account and photo ID.

Between $1,000 and $15,000. The amount we offer depends on your income, existing debts and credit history.

Most personal costs, such as repairs, moving, medical bills or paying off higher-interest debt. We don’t lend for business purposes.

Yes, if your income shows up as regular deposits in your bank account. We’ll tell you if we need anything else.

No. No responsible lender can. We check that the payments fit your budget before we lend.

We’ll tell you, and give the main reasons where we can. Common reasons and alternatives.

No. We serve borrowers online and by phone only.

No. Checking your rate uses a soft credit check, which only you can see. It doesn’t change your score.

Only if you accept an offer. That’s a hard inquiry, which other lenders can see on your credit report.

A soft check is visible only to you and doesn’t affect your score. A hard check is recorded on your report and can lower your score slightly for a short time.

[Equifax / TransUnion].

Possibly. We look at your whole situation, including income and existing debts, not only your score.

Yes, you can apply. Without a history we rely more on your income and banking information.

[If we report to credit bureaus:] Yes. We report your payments to [bureau], so on-time payments can help build your credit history.

Your report may include accounts or inquiries you didn’t know about. You can get a free copy of your report from Equifax and TransUnion and dispute any errors.

Between 9.99% to 34.99% on approved credit. You’ll see your exact APR before you sign.

The annual percentage rate is the yearly cost of your loan, including interest and any charges the law requires us to include. It lets you compare loans fairly.

By your credit history, income, existing debts, and the amount and term you choose.

Yes. Your rate and payment stay the same for the whole loan.

Yes. No rate we offer or show is above 35% APR, the legal limit in Canada.

Every fee is listed on Rates & fees and in your loan agreement. There are no hidden fees.

Everything you pay on top of the amount you borrowed, shown in dollars. It’s in your offer before you sign.

So you can see a realistic cost before you apply. Our calculator uses our representative APR, not our lowest, so it doesn’t under-state what you might pay.

Payments are taken automatically from your bank account by pre-authorized debit on the dates in your agreement.

Yes. You can choose monthly, every two weeks or weekly payments when you sign.

Usually, yes. Call us at least [3] business days before your payment is due.

Yes, at any time, with no prepayment penalty. You pay interest only for the time you had the money.

Yes. Extra payments go straight to your balance, which reduces the interest you pay.

Call us as soon as you can. A missed payment may lead to a fee of [$ amount] and can affect your credit. We’ll work with you to get back on track.

Your bank may charge you a fee, and we may charge [$ amount]. Call us so we can arrange a new payment.

Call us before your payment is due. We may be able to change your payment date or arrange a temporary plan. Hardship help and free credit counselling.

On our application platform at apply.oro168.ca. This website never stores your application.

Yes. Information is encrypted in transit between your device and our systems.

To confirm your income and the account to pay into. Bank verification is read-only: we can’t move money, and we never see or store your password.

No. We never sell your personal information. Privacy policy.

Only the staff and service providers who need it to assess and manage your loan, and credit bureaus with your consent.

Only as long as we need it for your loan and as the law requires. Then we delete or anonymize it.

Yes. Email our Privacy Officer at oro168operations@gmail.com. We reply within 30 days.

We never ask for an upfront fee to approve or release a loan, and we never ask for gift cards or cryptocurrency. If someone does, it isn’t us. Call us to check.

Call 778-995-7168 or email oro168operations@gmail.com.

We email you a copy when you sign. If you need another, contact us.

Call or email us. For your security, we’ll confirm your identity first.

Call us. We’ll need to verify the new account before the change takes effect.

Call or email us. The amount is valid up to a specific date because interest is charged daily.

We send you confirmation by email that your loan is paid in full and stop all payments.

Yes, within your cancellation period. How to cancel.

Mon–Fri, 9am–6pm ET, at 778-995-7168.

Call 778-995-7168 or email oro168operations@gmail.com. Our complaints process.

Your name, contact details, loan number if you have one, what happened and what you’d like us to do.

We acknowledge complaints within [2] business days and aim to resolve them within [15] business days.

Ask for a review by our [Complaints Officer]. If you’re still not satisfied, you can contact your provincial consumer protection office.

No. Making a complaint won’t affect how we treat you or your loan.

Contact our Privacy Officer at oro168operations@gmail.com. You can also contact the Office of the Privacy Commissioner of Canada.

Tell us by phone or email. Accessibility statement.

Yes, we’d like to hear it. Email oro168operations@gmail.com.