Up to $1,500 in your account within 24 hours. We lend based on who you are today — your income, your community, your future.
Minimum repayment
Bi-weekly structured payments
Maximum repayment
Flexible plan, no penalty
Maximum annual rate
All fees included. Nothing hidden.
Loan Terms & Disclosures
Transparent Terms.
No Surprises.
Four Steps
From application to funded — fast.
Apply in minutes.
A short online form from any device. No branch visit, no faxing, no in-person appointment. Takes under five minutes to complete.
Income verified instantly.
Secure IBV technology links to your bank in real time to confirm your income. No pay stubs. No back-and-forth emails.
Your full offer, upfront.
Every payment date and the total cost of borrowing are shown before you commit. Walk away at any point — no obligation, no questions asked.
Funded within 24 hours.
Once approved, funds arrive by direct deposit within one business day. No delays, no conditions after the fact.
The Unity Difference
We see the whole person.
Most lenders reduce you to a number. We look at your income, your stability, your situation — and we make decisions built on that.
One flat rate. Fully disclosed.
34.99% APR is the complete cost of your loan — not an introductory rate or a best-case estimate. No membership fees, no service charges, nothing added after you sign.
Income-first decisions.
Our IBV integration connects directly to your bank to verify income in seconds. No manual review, no uploaded documents, no judgement from your past.
Complete transparency before you sign.
Before any commitment, you see every payment date, every amount, and the total cost of your loan. No surprises — ever.
Implications of Non-Payment
What happens if you miss a payment?
We are transparent about the consequences — not to discourage you, but because you deserve to fully understand what you are agreeing to.
Late fee policy
A one-time late fee may apply after a 3-day grace period. We will reach out before any fee is charged so you have a chance to respond.
Collection practices
Accounts overdue beyond 90 days may be referred to a third-party collections agency. This can affect your credit file. Contact us early — we would rather find a solution.
Credit reporting
Payment history may be reported to Canadian credit bureaus. On-time payments help build your score. Missed payments can damage it. We report both accurately.
Renewal policy
Unity Loans does not automatically renew or roll over loans. Any new loan requires a fresh application and new income verification.
Why Add a Cosigner?
A cosigner reduces lender risk and signals shared commitment — often unlocking faster approvals and stronger terms for borrowers who need a little more support.
Faster Approvals
Cosigned applications move through review quickly. Less back-and-forth, faster decisions.
Higher Acceptance
A cosigner's backing meaningfully improves your odds — especially if your credit file is thin or recovering.
Fully Digital
Our integration with Cosigns.ca makes adding a cosigner entirely online. No paperwork, no in-person meetings.
4 Steps to Approval
Apply
Submit your standard application with Unity Loans.
Get Referred
If extra backing would help, we'll connect you with Cosigns.ca.
Add Cosigner
Your cosigner completes a quick, fully digital verification.
Get Funded
Approval confirmed — funds land in your account the next business day.
Cosigner & Cost Disclosure
- • Maximum APR: 34.99%.
- • Fees for third-party cosigner services through Cosigns.ca are independent of Unity Loans loan terms.
- • These fees are separate from loan interest and may affect the effective Annual Percentage Rate (APR).
We encourage all borrowers to carefully review their agreement and understand the total cost of borrowing before signing.
No guaranteed approval claims, no pressure tactics — just a straightforward income check and a full offer you can review without any obligation.
34.99% max APR · 62-day min term
No fees · Funds in 24 hrs