Terms of Use

Last updated: April 23, 2026

These terms of use (“Terms”) govern your access to the website credit2go.ca and the services offered by Credit2Go Inc. By accessing our site or submitting a loan application, you unconditionally accept these Terms.

1. Acceptance of Terms

By using our site and services, you confirm that you have read, understood, and accepted these Terms, as well as our Privacy Policy and Cookie Policy. If you do not accept these Terms, please do not use our services.

2. Eligibility

To apply for a loan with Credit2Go, you must:

• Be at least 18 years old (or the age of majority in your province)
• Be a Canadian resident
• Have stable employment or a regular source of income
• Hold an active Canadian bank account
• Provide accurate and truthful information
• Not be in bankruptcy or active consumer proposal

3. Loan Terms

All our personal loans are subject to the following terms:

• Amounts: $500 to $1,500 CAD (subject to eligibility)
• Interest rate: 1.99% to 2.42% per month
• Annual Percentage Rate (APR): 23.88% to 29.04%
• Compliance: federal 35% APR cap (Criminal Code of Canada, section 347.1)
• Term: variable based on agreement

For full details, see our APR Disclosure page.

4. Payments and Pre-Authorized Debits

By accepting a loan, you authorize Credit2Go to make pre-authorized debits (PAD) from the bank account you have provided, on dates agreed in the contract. You commit to:

• Maintain sufficient funds to honor payments
• Inform us immediately of any change of bank account
• Pay NSF (Non-Sufficient Funds) fees in case of refused payment

5. Default and Remedies

In case of default, Credit2Go reserves the right to:

• Charge late fees in accordance with the contract
• Report the default to credit bureaus (Equifax, TransUnion)
• Initiate collection procedures
• Demand full repayment of the balance
• Commence legal action

6. Cancellation Right

In accordance with applicable provincial laws, you have a cancellation period after signing the loan contract (typically 2 business days). Please refer to your contract for exact terms.

7. Intellectual Property

All content on credit2go.ca (texts, images, logos, design, code) is the property of Credit2Go Inc. or its partners, and is protected by Canadian and international laws on copyright, trademarks, and intellectual property. Any reproduction, modification, or distribution without written authorization is strictly prohibited.

8. Limitation of Liability

Credit2Go provides its services “as is” without warranty of any kind. To the extent permitted by law, we are not responsible for:

• Service interruptions or technical errors
• Indirect losses or damages resulting from use of the site
• Actions of third parties (credit bureaus, banking institutions, Inverité, etc.)

Our total liability shall never exceed the amount of the loan granted.

9. Confidentiality and Security

You commit to not disclosing your site access credentials to third parties. You are responsible for any activity performed under your account. In case of loss or fraudulent use, notify us immediately.

10. Changes to Terms

Credit2Go may modify these Terms at any time. Changes take effect as soon as they are published on this page. Your continued use of the site after modification constitutes your acceptance of the new Terms.

11. Applicable Law and Jurisdiction

These Terms are governed by the laws of Canada and the province of incorporation of Credit2Go Inc. Any dispute relating to these Terms or our services falls under the exclusive jurisdiction of Canadian courts.

12. Contact Us