‍What is CreditPug?

‍CreditPug is a Canadian service designed to help you avoid costly overdraft fees by offering short-term, no-interest Quick Cash advances ranging from $20–$100*. Whether you need a quick buffer before your next paycheck or want to ensure your account stays in the green, CreditPug provides a fast, transparent solution for Canadians seeking peace of mind when it comes to everyday cash flow.

How Does CreditPug Quick Cash Work?

1. Signing up and getting started

• Apply through our website: Since CreditPug does not have a mobile app, all users must apply directly on our official website.
• Upload required documents: You’ll need to provide three months of recent bank statements and a clear photo of your valid Canadian driver’s license. A driver’s license is required by law under Canada’s anti–money laundering regulations.
• Eligibility: We don’t rely on your credit score or credit history. However, to qualify, you must:some text
  1. Earn at least $1,500 per month via direct deposit.
  2. Have at least $100 in your bank account at the time of application.

2. Qualifying for an advance

• Income verification: Our team reviews your uploaded bank statements to confirm you meet the income requirement.
• No credit checks: We focus on your current financial situation rather than your credit history.
• Fast approval, funds in 24–72 hours: While the loan won’t be issued instantly, upon approval funds are typically e-transferred to you within one to three business days.

3. Receiving your funds

• E-transfer deposit: Once approved, you will receive your Quick Cash advance (between $20 and $100*) via e-transfer.
• Optional e-transfer fee: A $1.50 fee may be applied to each advance, but it is not mandatory—you can choose whether or not to include it.
• Optional tip: If you’d like to support CreditPug’s operations, you may leave a tip; it’s completely optional.

4. Repayment

• Flexible repayment window: You can schedule repayment on your next payday or up to 30 days later.
• No automatic withdrawals: Instead of withdrawing from your account, we will send you an e-transfer request via email and SMS. You simply accept and complete the e-transfer to repay the amount owed.
• No interest: You only owe the advance amount and any optional fees/tips you choose.

5. Membership and fees

• Transparency: There are no hidden fees or compounding interest charges. The only fees you might pay—the $1.50 e-transfer fee and any tip—are optional.
• Optional tips: Your financial support helps CreditPug continue offering no-interest loans. However, tipping is not required or expected.

The Benefits of CreditPug Quick Cash

• No-interest advances: Borrow between $20 and $100* without worrying about interest rates unlike predatory paypay lenders.
• Avoid overdraft fees: Cover potential shortfalls before they result in costly bank charges.
• Simple application process: Just upload your driver’s license and bank statements from the last 3 months—no credit checks required.
• Fast turnaround: While funding isn’t immediate, you can typically expect to receive your loan within 24–72 hours.
• Flexible repayment: Choose a repayment date that aligns with your payday, or repay up to 30 days later, via a convenient e-transfer request.

* Not all members will qualify for advances. Depending on eligibility, advances range from $20–$100. Subject to CreditPug’s approval and policies. Tipping is optional and not required. Quick Cash is not available in all provinces.

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