FAQ

You can fill out an Express Application without documents*.

• Be 18 years of age or older;

• Be a Canadian resident or permanent resident living in Quebec;

• Have a bank account;

• Have a source of income of at least $1,000 per month, paid by direct deposit;

• Have a valid phone number where we can reach you.

• A bank statement no more than 4 weeks old, showing the last two direct deposits of your income, that has not been altered;

• A void cheque;

• A statement of your income;

• A valid photo ID (drivers licence, passport, health insurance card or Canadian citizenship card);

• A proof of residence if your address does not appear on any of the documents provided.

• An unbalanced budget and/or a profile considered at risk;

• Incorrect information;

• Falsified or non-compliant documents;

• Client with an outstanding balance with one of our finance companies;

• Attitude, e.g. rudeness, lack of respect, refusal to cooperate, difficult communication.

Once all the information has been submitted, you will receive an answer as soon as possible following your application.

• There are several ways to send us your documents. You can send them by fax at 1 844 346-1382

• You can also send them by email to the following address: info@creditmeubles.com

• You can also send your documents using your smartphone, by simply taking a photo of them and sending it by email to the following address: info@creditmeubles.com

If you are self-employed, your file will be reviewed by our approval department. Certain conditions may apply. Contact us for more information.

If you receive income from the CSST, the SAAQ, the pension board, employment insurance or last-resort assistance, your file will be subject to an evaluation. Certain conditions may apply. Contact us for more information.

If you cannot make your payment on time, short-term solutions may be available, depending on your file. You can notably request a payment deferral, but a $15 fee will apply. However, this will help you avoid the additional insufficient-funds fees charged by your financial institution.

In the event of a payment default, our collections department will contact you to reach a payment agreement. Note, however, that a $55 fee will apply. If you miss several payments, your file will then be sent to collections and additional fees may apply. You also risk the repossession of the financed furniture.

It is true that the interest rates are higher than those advertised by a financial institution. However, since employee salaries and the costs of analyzing and processing the file and the payments are the same regardless of the amount requested, it is normal that the proportion paid in interest is higher when the financed amount is under $5,000. In addition, since the risk management is higher, as is the loss percentage (which is precisely why financial institutions refuse certain files), it is understandable that the rates and fees are higher.