Important Information

Responsible Lending Statement

At Cash Depot, we are committed to responsible lending practices. We encourage all applicants to carefully consider their ability to repay before taking out a loan. Our loans are designed for short-term financial needs and should not be used as a long-term financial solution.

Before applying, please ensure that:

• You have reviewed your budget and can afford the repayments
• You understand the total cost of borrowing
• You have explored all other financial options available to you
• You are borrowing only what you need

Cost of Borrowing Example

* This is an example only. Your actual loan terms, payments, and total cost may vary based on the amount borrowed and other factors. All costs will be disclosed in your Loan Agreement before you accept the loan.

Eligibility Requirements

To apply for a loan with Cash Depot, you must meet the following requirements:

• Be at least 18 years of age (19 in some provinces)
• Be a Canadian resident with a valid Canadian address
• Have an active Canadian bank account in your name
• Have a regular source of income
• Have a valid email address and phone number
• Not be currently in active bankruptcy (consumer proposals may be considered)

No Credit Check Policy

We do not perform traditional credit checks that affect your credit score. We use alternative methods to assess your application, focusing on your current financial situation rather than your credit history. This means:

• Applying does not affect your credit score
• Bad credit or no credit history will not automatically disqualify you
• We consider your income and ability to repay

Regulatory Information

Cash Depot operates in compliance with all applicable federal and provincial laws and regulations governing lending practices in Canada, including:

• Quebec Consumer Protection Act
• Personal Information Protection and Electronic Documents Act (PIPEDA)
• Criminal Code of Canada interest rate provisions
• Provincial licensing requirements

What If I Can't Repay?

If you are experiencing financial difficulty and are unable to make your scheduled payments, please contact us immediately. We may be able to work with you on payment arrangements. Ignoring the problem will only make it worse. Options may include:

• Modified payment schedule
• Payment deferrals in certain circumstances
• Referral to credit counseling services

Free Credit Counseling Resources

If you are struggling with debt, we encourage you to seek help from accredited credit counseling agencies:

• Credit Counselling Canada: creditcounsellingcanada.ca
• Financial Consumer Agency of Canada: canada.ca/fcac

Contact Us

If you have any questions about our lending practices or need assistance, please don't hesitate to contact us: