--- title: PretÉcho | Fast Loans and No Credit Check description: Need cash fast? PretÉcho offers quick online loans with no credit check. Apply online and get same-day funds deposited to your account. image: https://www.pretecho.ca/hubfs/rs=w_1440%2ch_1440.jpeg --- [PretÉcho](http://www.pretecho.ca/en#accueil) Menu [Home](http://www.pretecho.ca/en#accueil)[How it works](http://www.pretecho.ca/en#etapes)[FAQ](http://www.pretecho.ca/en#questions)[Contact](http://www.pretecho.ca/en#nous-joindre)[Apply for a loan](http://www.pretecho.ca/en#formulaire-demande) [FR](https://23799422.hs-sites.com/demande-de-pret-quebec)/[EN](http://www.pretecho.ca/en#accueil) Personal loans · Quebec residents only # Your loan application starts here An unexpected expense? Need a little help at the end of the month? PretÉcho offers a fast, simple financial solution. **Loans with no credit check.** [Apply now](http://www.pretecho.ca/en#formulaire-demande) Submitting an application does not guarantee loan approval. Available loan amount Up to $750 Fixed annual interest rate: **10%**. Additional membership fees: **$20 per week** while a balance remains outstanding. [Understand the rates and fees](http://www.pretecho.ca/en#taux) Our approach ## An application tailored to your situation Every financial situation is different. At PretÉcho, we review your application with your ability to repay in mind. Your credit score does not tell your whole story. You can apply without a credit check, subject to a review of your file and the eligibility requirements. Before you begin ## Check your eligibility You must meet the following eight requirements to apply. ### Age Be at least 18 years old. ### Income Have a monthly income of at least $1,200. ### Salary payments Be paid by direct deposit. ### Residence Be a resident of Quebec. ### Bank account Have a Canadian bank account. ### Stable employment Have held stable employment for at least 4 months. ### Bankruptcy Not be bankrupt or about to file for bankruptcy. ### Banking history Have a good banking history. ## Your application steps 01 ### Online form Choose your requested amount and complete the form in 2 minutes, with no documents to send. 02 ### Instant bank verification (IBV) We securely verify your information and confirm your payment arrangements with you. 03 ### Fast payment by Interac Receive your funds by Interac e-Transfer on the same day, subject to application approval and processing times. What to know before borrowing ## Calculate your payments $300 $400 $500 $600 $750 Every two weeks Weekly $101.64Payment amount 5Number of payments This table provides illustrative repayment examples. Actual fees, the total cost of the loan and payment amounts may vary based on the assessment of your application and the agreed terms. Our loans carry a fixed annual interest rate of 10%, a transaction fee of $0.95 per transaction and membership fees of $20 per week while a balance remains outstanding. **Borrow responsibly.** Our loans are a high-cost financing option. Consider other available options and borrow only what you can afford to repay. Early repayment may reduce interest and membership fees associated with the length of the loan, subject to your contract terms. ## Ready to take the next step? Simple, fast and no credit check [Apply for my loan](http://www.pretecho.ca/en#formulaire-demande) For Quebec residents only. Subject to a review of your file and the eligibility requirements. ## Frequently asked questions Who can apply? Any Quebec resident aged 18 or older with a stable income may apply, subject to the eligibility requirements listed above. Our loans are designed to provide a quick solution to your financial needs when other options are not available. Borrow responsibly. Can I apply with bad credit? Yes. You can apply for a loan without a credit check, even with bad credit. Your application remains subject to an assessment of your financial situation and ability to repay. How much can I borrow? You can apply for a loan of up to $750. We encourage you to borrow carefully and responsibly. Our loans cost more than options offered by traditional financial institutions. Review the interest, fees and terms before making a commitment. Do I need to provide collateral? No physical collateral is required. Your employment and income are considered when assessing your ability to repay. How long does it take? Timing may vary depending on your file and our application volume. We do our best to provide funds on the same day, subject to application approval and processing times. Are there any hidden fees? The fixed annual interest rate is 10%. Membership fees of $20 per week apply while a balance remains outstanding, along with a fee of $0.95 per transaction. The interest rate does not represent the total cost of the loan. You may repay the full amount at any time. Early repayment may reduce fees related to the time a balance remains outstanding, according to your contract terms. What if I cannot make a payment? You may request a payment deferral at least 48 business hours before the scheduled date. A returned payment incurs a $50 fee under the terms of your contract. What happens if I cannot repay my loan? We reserve the right to recover overdue loans using available remedies permitted by law, including debt collection and civil legal action. Why do you need to perform an IBV? IBV, or instant bank verification, allows us to verify the information needed to assess your eligibility without asking you to send bank statements or pay stubs. This verification helps us process your application within hours, depending on your file and application volume. Review the security information, data use details and consents presented during this step. How will you use the information collected? We use only the information needed to confirm your identity and assess your ability to repay. Why might my application be declined? - Too many non-sufficient funds payments in your account. - Monthly income below $1,200. - Excessive short-term debt. - Inaccurate or incomplete information in your application. - Several outstanding loans. - A bank account that is too new or has insufficient history. Back to home # Loan application Back to home # Contact us Have a question? Write to us using the form below. Read our [privacy policy](http://www.pretecho.ca/en#vie-privee) to learn more about how your information is used. Back to home # Privacy policy Last updated: July 31, 2025 PretÉcho (8846 8e Avenue, Montréal, QC, H1Z 2Y1) places great importance on protecting your personal information. This policy explains how we collect, use, disclose and protect your personal data as part of our lending services. ## 1. Collection of personal information We collect only the information needed to: - Process your loan application; - Verify your identity and assess your creditworthiness; - Communicate with you about your file. The information collected may include: - Name, address, telephone number and email address; - Date of birth and identification; - Financial information (income, debts and payment history); - Credit records and supporting documents. ## 2. Use of personal information Your personal information is used to: - Assess your eligibility for our services; - Manage your relationship with PretÉcho; - Comply with our legal obligations (Law 25 and anti-money laundering laws); - Improve our services and ensure transaction security. ## 3. Sharing and disclosure Your personal information will never be sold or rented. It may be shared with: - Our service partners (payment platforms and collection agencies); - Legal authorities when required by law. ## 4. Consent By submitting a loan application, you consent to the collection, use and disclosure of your personal information as described in this policy. You may withdraw your consent at any time, subject to ongoing legal or contractual obligations. ## 5. Data retention Your information will be retained for as long as needed to manage your file and meet legal requirements. It will then be securely deleted. ## 6. Information security PretÉcho implements administrative, technical and physical safeguards to protect your data against unauthorized access, loss or theft. All transactions are secured through certified platforms. ## 7. Your rights You have the right to: - Access your personal information held by PretÉcho; - Request the correction of inaccurate information; - Withdraw your consent to the use of your data; - File a complaint with the Commission d’accès à l’information du Québec if you believe your rights have not been respected. ## 8. Changes to this policy PretÉcho reserves the right to amend this policy at any time. Any change will be published on this page with the updated date. ## 9. Contact us For any question, access request or complaint concerning this policy, please contact: PretÉcho Email: [info@pretecho.ca](mailto:info@pretecho.ca) Telephone: [438-901-1353](tel:+14389011353) PretÉcho is committed to respecting the principles of privacy and transparency. By continuing to use our services, you accept this Privacy Policy. Back to home # Legal notice Last updated: July 31, 2025 ## Website hosting This version of the PretÉcho website is hosted by HubSpot. ## 1. Intellectual property All website content (text, images, logos, graphic design and videos) is the exclusive property of PretÉcho, unless otherwise stated. Any reproduction, distribution, modification or use without prior written authorization is strictly prohibited. ## 2. Liability PretÉcho makes every effort to ensure the accuracy of the information published on its website. However, PretÉcho disclaims liability for errors, omissions or delayed updates to content. PretÉcho cannot be held liable for direct or indirect damages resulting from access to or use of the website, including viruses or hacking. ## 3. External links The website www.pretecho.ca may contain links to other websites. PretÉcho has no control over these websites and disclaims liability for their content or privacy practices. ## 4. Personal data protection PretÉcho is committed to protecting users’ personal data in accordance with its [Privacy Policy](http://www.pretecho.ca/en#vie-privee). ## 5. Jurisdiction and applicable law This legal notice is governed by the laws in force in the province of Quebec (Canada). Any dispute relating to its interpretation or enforcement will be submitted to the competent courts of Montréal. PretÉcho © 2026 – All rights reserved. [PretÉcho](http://www.pretecho.ca/en#accueil) ## Contact details 8846 8e Avenue Montréal, QC H1Z 2Y1 [438-901-1353](tel:+14389011353) [info@pretecho.ca](mailto:info@pretecho.ca) ## Navigation [Home](http://www.pretecho.ca/en#accueil)[How it works](http://www.pretecho.ca/en#etapes)[FAQ](http://www.pretecho.ca/en#questions)[Contact us](http://www.pretecho.ca/en#nous-joindre) ## Useful information [Rates and terms](http://www.pretecho.ca/en#taux)[Privacy](http://www.pretecho.ca/en#vie-privee)[Legal notice](http://www.pretecho.ca/en#mentions-legales)[APPLY FOR A LOAN](http://www.pretecho.ca/en#formulaire-demande) Copyright © 2026 PretÉcho - All rights reserved.