How does IF Xpress work?

It’s really simple!

Submit your application in just a few minutes!

1. Submit your personal information by filling out the application form.

2. Get your approval in a few minutes.

Once your application is submitted, an agent will contact you quickly to complete the application with you.

3. Create your financing contract and sign it electronically.

4. Receive your funds in less than 24 hours.*

Obtaining my IF Xpress loan was very simple and easy! In addition to receiving excellent customer service, this loan allowed me to finance the purchase of my new furniture over several months, in order to stay within the budget I had set for myself. Thank you!
IF Xpress customer

Loan Amount:

Interest Rate:

Funding Terms:

Deposit of Funds:

Borrower Fees:

Supporting Proof of Purchase:


1 000$ to 7 500$

12,99% to 29,99%

24 to 60 months

24 hours*





Funding Amount: 1,000$ to 5,000$

Interest Rate: 12,99% to 22,50%

Funding Terms: 24 to 60 months

Deposit of Funds: 24 hours*

Borrower Fees: None

Supporting Proof of Purchase: None

Why using IF Xpress?

Use IF Xpress to finance any type of goods or services, without any proof of purchase. IF Xpress is useful for financing furniture, appliances, travel, debt consolidation, health care, beauty treatments, car repairs, training equipment, sports equipment, electronic equipment, renovations, swimming pools and even more!


| Loan calculator


Loan calculator

1Interest rates range from 12.99% to 29.99%, depending on the borrower’s credit history. Amounts between $1 000 and $1 499.99 are financed at the maximum interest rate of 29.99%.

Contact us!


Phone: 1 855 694 0960

Business hours (Eastern time):
Monday to Friday : 8h30 to 21h00
Saturday and Sunday : 9h30 to 17h30

IF Xpress is a program offered by
IF Xpress is a program offered by