Apply for your loan
A form designed to take about five minutes. Bank verification and a complete application are required for the 60-minute response target.
What happens after you apply
After you submit the form, NovaCash sends the file to FinX, the system of record used for assessment. You may be redirected into the FinX environment to review and accept its terms, then connect your account through instant bank verification (IBV) with Flinks. That step replaces paper documents: you log in to your institution, give consent, and the lender reads the account activity needed for the review. An answer is targeted in 60 minutes, depending on when you submit and whether the file is complete. If the verification screen does not open, call (877) 431-4134 instead of sending a second application. If you accept an offer, funds are paid by Interac e-Transfer or direct deposit, as confirmed. The exact rate, schedule, and total cost of borrowing are shown before you accept. Submitting a form does not create an automatic offer. Keep the phone nearby during IBV, and do not open a second application tab in parallel.
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