Frequently asked
questions

Health loans designed exclusively for dental care.

$1000

The offered terms start from 6 months to up to 10 years, depending on the financed amount.

Institutions offer fixed and variable rate loans. As the rates are subject to change without notice, we suggest that you communicate directly with us.

Yes, it is an open loan, repayable at any time, in part or in totality, without penalty.

No.

Simply let us know. We will communicate with your dental health professional to inform them of our services and invite them to become one of our partners.

No, everything is done at the dental clinic. All you have to do is sign a form and we will contact you by phone to process your credit information. The decision of the institution will be transmitted within 24 hours.

No. You can provide us a void cheque from your institution for automatic debits.

Yes.

Yes. The institution can approve the total amount. As soon as you receive the refund from your insurance, you can apply it to the loan or you can simply get a loan for the amount that is not covered by your insurance.

No. However, you can get two loans, one at each of the professionals involved.

• Be 18 years of age or over (with at least 2 years of credit history)
• Be 73 years old or less (IF Xpress)
• Own a credit card (in some cases, for at least 2 years) or another form of credit such as a mortgage or car financing
• Be a permanent resident (# social security number must not start with 9)
• Bankruptcy and consumer proposal must be completed for 3 years (credit must be redone)
• Be employed or self employed

Admissible type of revenue:
• Employed revenue
• Retirement pension
• Disability income or CNESST
• Maternity leave income
• Employment insurance income (for seasonal workers only)

* For those who do not meet the basic criteria’s, the loan can be obtained by another relative (with consent). In this case, note that the automatic debits for the repayment of the loan will be made from the borrower’s account.