How it works
See how easy it is to get a loan with FINOVATE GLOBAL: a clear, fast and stress-free process built for maximum transparency and simplicity.
Application time
Quick approval
Online process
Video: How to apply for a loan in 3 easy steps
A simple and fast process
FINOVATE GLOBAL has revolutionized the way to apply for a loan in Canada. We eliminate unnecessary bureaucracy and reduce wait times, making everything digital and accessible.
No paperwork
No lines at the branch, no paper documents to print or sign.
100% online
From application to signing, everything takes place online from the comfort of your home.
Fast response
Get approved in record time: within 24 hours after your complete application.
Full transparency
Clear terms, no hidden fees, fixed interest rates disclosed in advance.
The process in 4 easy steps
Learn how FINOVATE GLOBAL works: from the application to the payment of your loan, in a simple and transparent way.
Fill out the form
Complete our online form, we require only essential information. Fast and simple, less than 3 minutes.
- Basic personal information
- Income details
- Desired amount and term
Immediate verification
Our system automatically analyzes your application and verifies eligibility criteria in real time to provide you with a fast and secure assessment.
- Digital identity verification
- Rapid credit analysis
- Creditworthiness assessment
Electronic signature
Once approved, you will receive the contract to sign digitally—no paper or documents to print.
- Contract sent by email
- Simple and secure digital signature
- Step-by-step guide
Immediate disbursement
Funds are deposited directly into your Canadian bank account, usually the same day or within 24 hours of signing.
- Secure bank transfer
- Deposit notification by SMS
- Immediate availability of funds
Required documents
We've also simplified the required documents. To apply for a loan, you only need the following basic documents:
ID document
Valid government-issued photo ID, passport, or driver's licence.
Proof of income
Most recent pay stub or tax return (for self-employed individuals).
Banking details
Your Canadian bank account number for deposits and monthly payment debits.
Note: For certain types of loans (e.g. car loan, renovation), additional documents such as quotes or information about the asset may be required.
Simplified upload
You can upload your documents directly from your smartphone, tablet, or computer. We accept JPG, PNG, or PDF files.
Your documents are protected by advanced encryption and are automatically deleted after processing.
Your loan history
Here is a chronological overview of the approval and funding process for your loan.
Application
Fill out the online application and upload the necessary documents.
Approval
Verification of information and application approval within 24 hours.
Contract signing
Electronic signature of contract documents and loan confirmation.
Funds disbursement
Deposit of the amount to your chequing account within 24 hours of signing.
Repayment
Start of repayment plan with automatic withdrawal of monthly payments.
Eligibility criteria
In order to request a loan on FINOVATE GLOBAL, you need to meet these basic requirements:
Age
Between 18 and 75 years old
Residence
Residence in Quebec
Income
Stable and verifiable income (salary, pension or benefits)
Bank account
Bank account with residence in Canada
Note: Even if you've had financial difficulties in the past, we review every case individually. Contact us for personalized advice.
Acceptance rate
FINOVATE GLOBAL accepts most applications thanks to our innovative evaluation system that considers more factors than traditional banks.
Want to know if your loan application will be approved?
Hear from our clients
Read what our clients are saying after completing their loan process.
Miguel S.
"At first I was skeptical, but the process was truly easy. I completed the application at 4:00 PM and the next day at 11:00 AM the money was already in my account. Amazing!"
Sofia R.
"I applied for an auto loan from several banks, but they required too many guarantees. With FINOVATE GLOBAL, it was fast and simple. The advisor was very helpful."
António E.
"I consolidated all my debts into a single payment and lowered my monthly payment by over $200. The process was clear and everything was explained in detail."
Frequently asked questions
Here are answers to the most common questions about the loan application process.
How long does the whole process take?
The process is extremely fast:
- Application completion: about 3 minutes
- Verification and approval: within 24 hours of application
- Electronic signature: 5-10 minutes
- Funds disbursed: within 24 hours of signing
In many cases, less than 48 hours pass between your application and funding.
Do I need to go to a branch to sign documents?
No, the process is fully digital. Signature is done online through a simple and secure procedure:
- Receive the contract by email
- Follow the instructions for electronic signature
- Confirm your identity with an OTP sent to your mobile
Electronic signatures have the same legal value as handwritten ones, but are much more convenient and faster.
How is my identity verified online?
We use a secure and legally compliant process for identity verification:
- Verification of uploaded ID document
- Cross-check with provided data
- Bank account verification
- In some cases, fast video identification
Everything is automated and fast, with top security and compliance with Canadian anti-money laundering regulations.
Can I apply for a loan if I've had credit problems in the past?
Yes, we assess every application individually:
- We consider your current situation, not just the past
- If you’ve had minor late payments in Canada, this may not be an issue
- For more serious issues, we evaluate your current repayment capacity
Our approval algorithm is more flexible than traditional institutions. Contact us for a personalized assessment.
What happens if I have trouble paying a monthly installment?
We understand that temporary difficulties can happen:
- Contact us immediately if you're having trouble
- We can offer flexible solutions, such as deferring a payment (maximum once per year)
- For more serious problems, we work together on a custom repayment plan
Our priority is to help you manage your loan stress-free. Prompt communication is essential to finding the best solution.
Any other questions about our process?
Ready to request your loan?
It only takes a few minutes to fill out the application and receive your loan within 24-48 hours. Our process is secure, fast, and fully online.
