BE INFORMED
Make the best choice for your financial situation.
WHAT'S THE BEST LOAN FOR YOU?
Everyone’s financial challenges are a little unique to them. Including yours!.
CONSIDER YOUR OPTIONS
There are a lot of borrowing options out there. Don’t hesitate to ask important questions. You have to find out how reliable a lender is going to be. Choose a company with which you feel comfortable and confident.
WHAT CAN YOU REALLY AFFORD?
A loan can be a big help in times of trouble. But overextending yourself can actually make things worse. Don’t bite off more than you can chew. Make sure your loan is an amount you’ll be able to repay.
UNDERSTAND YOUR FEE OBLIGATIONS
Not every lender out there is as transparent as Max Cap Solutions. Some have hidden fees. Some will even apply a surcharge for early repayment! Make sure you understand your fee obligations before you sign on the dotted line.
OPT FOR FLEXIBILITY
The arrangement that best suits you is the one closest tailored to your specific situation. That requires flexibility in the borrowing agreement. Can you repay in multiple installments? Are there additional charges hidden in the agreement? Will you get dinged for an early repayment?
OPT FOR TRANSPARENCY
Conscientious and responsible lenders are transparent about their agreements, conditions, limits and fees. Before you take a loan with any company, makes sure they provide all the relevant information in a clear and easy to understand way.
WATCH OUT FOR FRAUD
Not all online lenders are completely ethical or even honest. In this it is buyer beware. Don’t fall victim to the scammer’s trap.
Max Cap Solutions is
rocketing to the top
in the PayDay loan industry.
Here are 5 reasons why we’re
Be Informed’s choice:
Credit Score Not Great?
Don’t be discouraged by a poor credit score. What we’re interested in is your ability to repay. Just because things went badly for you in the past doesn’t mean you’re not able to repay today. We use are advanced algorithm to take in the whole financial picture of your situation. But of course, we don’t want to contribute to making your situation worse, so our Code of Conduct directs us to never loan you any money we don’t think you’ll be able to repay.
Money that’s minutes away
Residents of Be Informed and the larger metropolitan area will be amazed at how efficiently we have down the short-term loan process. In the great majority of cases, your loan will be available in just minutes. We have a leading-edge approvals system that you can use from the comfort of your armchair.
No document fatigue
We know other companies require you to document your whole life. No need to worry about that with us. We won’t ask for faxes or letters, nor will we require to come into our office to sign any documents. It’s all streamlined, online, for your convenience.
Completely transparent
Our Code of Conduct assures you’ll experience the most ethical, responsible and transparent loan experience possible. Everything is clearly explained, and your questions are answered when you ask them. Everything you need to pay is explained up front and transparently. Our job is to make your life easier.
Safe and secure
Of course, we require some personal information to assess your application, but you can rest assured, that your information is safe with our top of the line industry encryption technology. Wherever you live in the Be Informed area, from Delta to Richmond, Burnaby to West Vancouver, and beyond, this is the safest, easiest, most transparent loan process you’ve seen.
We appreciate the encouraging response to our innovative loan business model from our clients in Be Informed. Look forward to more great short-term loan opportunities as we work to make your financial life easier and happier.
Interest fees & transparency
Managing Your Loan
Can I make repayments early?
Yes, it is possible to repay early, and we encourage you to do it if you are able to! There are also no charges for early repayments. Repaying early is a great choice because:
- There are no extra fees
- You can improve your trust rating with Max Cap Solutions
Can I increase my loan amount after I get my cash?
As responsible lenders, we only let our customers take out one loan at a time. That's why it's important when you apply for a loan to consider your finances and to choose the loan amount and repayment options that are right for you.
Interest Fees and Transparency
The cost of borrowing is calculated as a percentage of the amount borrowed and range between $15 to $23 according to the Payday loan legislation of each province:
| Province | Interest Fees & Transparency | Late fee |
| Alberta | $15 per $100 | $25 |
| British-Columbia | $15 per $100 | $20 |
| Manitoba | $17 per $100 | $20 |
| New Brunswick | $15 per $100 | $20 |
| Nova-Scotia | $17 per $100 | $40 |
| Ontario | $15 per $100 | $25 |
| Saskatchewan | $17 per $100 | $25 |
| Newfoundland and Labrador | $21 per $100 | $20 |
When you take a cash advance loan with Max Cap Solutions, you are always in complete control of how much money you will owe and there are no surprises nor hidden fees. Before signing your loan agreement, we will give you a breakdown of all the costs involved in your loan so you will be able to make an informed decision.
Getting Your Money
There is nothing easier than getting your money. After electronically signing your contract, you will receive your funds by e-transfer in the next 5 minutes. We send e-transfers 7 days a week, 24 hours a day. At Max Cap Solutions, we want to ease our clients’ lives since we know that you have more important things to care about. Therefore our services are fast, convenient and hassle-free.
Repaying Your Loan
What happens on my repayment date ?
In order to make the repayment process as straightforward as possible for you, we will automatically debit your bank account on the due date for the amounts specified in the contract. On your repayment date, please make sure you have enough money available in your bank account for the payment in order to avoid any additional fees.
Repayment Plans
We have two repayment plans you can choose from in order to find one that suits you best.
- Cash advance: make a repayment between 7-62 days after you are approved
- Easy Pay: make 2 or 3 repayments between 7-62 days after you are approved
Repeat Borrowing
Trust Rating System
When you apply for your first cash advance loan or Easy Pay loan with Max Cap Solutions, you can apply for up to $750. If you pay back your first loan on time and according to the terms and conditions of your loan, you will gradually be eligible to borrow up to $1,500.
A cash advance loan or Easy Pay loan is considered as a short-term loan and is not intended for frequent use. If another situation arises and you do need to borrow money from us again, the loan application process will be quicker than the first time. Since most of your information are saved in your Max Cap Solutions account, you can simply log in, confirm the existing information, and apply. It's that simple!
As part of our commitment to responsible lending, we may at time make adjustments to ensure that each personal loan we give is in the best interest of our customer's financial health. We consider each application we receive on an individual basis, so repeat borrowers are not guaranteed approval because they have borrowed from us before.
Late Fees
You can avoid any non-sufficient fund fees by making payments on time and ensuring that money is available for pre-authorized debits in your account on the due dates. NSF fees are broken down as follows, depending on each of the following Canadian provinces: British Columbia, Alberta, New Brunswick, Saskatchewan, Ontario, Nova Scotia and Manitoba.
| Province | NSF |
| Alberta | $25 |
| British-Columbia | $20 |
| Manitoba | $20 |
| New Brunswick | $20 |
| Nova-Scotia | $40 |
| Ontario | $25 |
| Saskatchewan | $25 |
| Newfoundland and Labrador | $20 |
Collections
Max Cap Solutions's lending process is fully transparent so you can clearly understand your repayment responsibilities. Depending on your pay period this daily fee may change. Your total amount to be repaid is the loan amount plus the interest fee, no additional fees will be charged to you.
The only way that your repayment amount would increase is if you do not comply with your loan repayment agreement. You must make sure that your bank account has enough funds to cover the preauthorized debit on the date you agreed to make a loan payment. If your bank account has insufficient funds at the time of the preauthorized debit, you will be charged a missed payment fee, and your bank may also charge you a non-sufficient funds fee. From there on, collection interests will be applied to the remaining balance of your loan until it is fully repaid.
From that point on, your file will be passed on to our professional collections team who will do their best to come to an agreement with you. Unfortunately, if you do not work with us to repay your loan in the agreed-upon time frame, Max Cap Solutions will have no other choice but to pass on your file to an external collection agency.
The transfer of your file to an external collection agency may also generate additional fees for you, it can lead your credit file to a negative note and could damage your file for six years. Your credit file information can be passed on to other organizations by credit agencies and fraud protection agencies for verification purposes or to track your whereabouts in order to recover the sums owed.
This is why we reiterate that it is extremely important to respect your commitments with us. Max Cap Solutions is a company with a human side and we understand that difficult situations may happen. If this is the case, please contact us as soon as you can so we can find an arrangement that can reduce costs for you and that will allow you to meet your commitments. However, Max Cap Solutions strongly recommends that you think seriously before applying for a loan. If you have any doubts about your capacity to reimburse this loan according to the established terms, we recommend you to find another source of financing.
We do things differently
Max Cap Solutions is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people’s lives.
Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we’re there to help.
Bad credit isn’t a deal breaker
If you’re worried about having bad credit, don’t let that stop you. It’s not the only criteria. We’re much more interested in your ability to make your repayments.
Don’t worry about documents
It’s an easy, real-time, streamlined process. We’ve already got the necessary evaluation tools. We don’t need all those pieces of paper.
Your pre-approval is minutes away
Any time of day, any day of the year, our fully automated decision system is ready to help you identify the best loan option to meet your needs. There’s no stressful waiting for an answer. Every application is reviewed and answered in just minutes.
Transparent costs
We want you to make the best informed judgment for your situation. All our fees are fully transparent and explained. Plus, we’ll answer your questions and provide you the financial planning tools that you need to make the smart choice.
Maximum charges permitted in British Columbia for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%
Max Cap Solutions, proudly canadian owned and operated, offers personalized payday loans and fast cash advances to thousands of Canadians in British Columbia (Vancouver, Surrey
, Burnaby and others), in Alberta ( Calgary
, Edmonton , Lethbridge , Red Deer , Wood Buffalo , Medicine Hat , Airdrie , and others), in Saskatchewan
( Saskatoon , Regina and others), in Ontario ( Payday Loans Toronto , Ottawa
, Mississauga , Brampton
, Hamilton , Markham
, Niagara Falls and others), in Nova Scotia ( Halifax , Cape Breton , Dartmouth , Truro , Sydney
and others) as well as in Manitoba ( Winnipeg , Dauphin , Morden
, Portage La Prairie , Selkirk , The Pas , Winkler , Brandon , Steinbach , Thompson and others). Easy online payday loans in Canada, Same day fast cash
Ontario, Online loans British Columbia, Get cash money in Alberta, Payday loan Saskatchewan.