Borrow With Confidence

Who We Are?

Conservative Consumer is a Canadian Corporation in the business of finding qualified lenders to match  consumers’ financial needs.

Borrow With Confidence

Conservative Consumer is dedicated to providing consumer loans for all working people in Canada regardless of their financial situation or their credit worthiness.

What information we need from you

To help us ensure we can process your application for a  loan quickly we will need you to supply: Your contact details, including a home landline, a mobile and work contact number which allows our lenders to confirm your information. Your Social Insurance Number is optional, but will help to get you approved and is used to prevent fraudulent claims without relying on credit reference agencies.

Why we need your information

The information is used to confirm your identity and your employment status. Lenders will contact customers on their home, mobile numbers or by e-mail. Your employer will not be informed about your  loan application. If our lenders do need to contact you while you are at work, lenders are experienced enough not to reveal why they are calling and will never discuss your loan with anyone but the borrower.

How we use your information

The information we need from you in order to process your application is used to assess your suitability for a loan and can affect the amount lenders will offer you. It ensures that loan decisions and loan transfers can be made quickly, often on the same day of your application. Our Lenders tend to approve those applications when all information is provided. If you’ve been turned down for a loan by a bank it is probably due to the data held by credit reference agencies. Basing our decision on your circumstances now rather than your credit history improves your chances of receiving a loan.

How we protect your information

We use standard security software used throughout the financial services and retail industry to protect all your banking details. All of our staff that have undergone rigorous security checks. We do not share, sell, lend or lease any of your private financial information except with qualified lenders. We may however pass your email address to carefully selected marketing partners.

Keeping you on top of your money

Loans provided by qualified lenders offers both short term financial solutions as well as long term financial solutions. The best uses for our consumer loan services are for avoiding bank charges and credit card fees, covering surprise bills and unexpected costs and occasionally for special treats. You should never borrow more than you can comfortably repay and should always try to repay the consumer loan in full on your payday to avoid high interest charges. When used for short periods of time consumer loans offer a valuable and speedy solution.

What we will need from you

Ensure that all the information you provide on our secure application form is correct. If you have any problems managing payments contact the lender to discuss your situation, never ignore financial problems they will only get worse. Most of all we want you to enjoy your money safely and securely, stay clear of debt and only borrow what you can afford when you really need it.

Who Can Apply

The good news is that it’s easy to qualify for a loan within our private lenders!
Unlike other traditional loan sources, a consumer loan does not have a number of strict requirements.

To be approved, you simply must:

• Be 18 years of age
• Have a bank account
• Be currently employed and receiving a regular paycheck or regular income including (CPP, EI, Social Assistance)

You are not even required to have a high credit score to qualify because our lenders do not always do credit checks. However, it is at the lenders discretion to assess your credit worthiness. They may need to access your credit history. We understand the situation you are in if you have less than perfect credit, that’s why we match you with a loan lender regardless of your credit score. If you have a checking account, you get paid by direct deposit, or in some cases have an asset, you may be eligible for a loan from one of our qualified lenders.

Service Fees

Our service is to introduce you to qualified lenders. For this we charge a fee. Fees for this service vary for the amount of the loan and the length for which you require it. After filling out and e-signing our secure application form, your request will be promptly presented to our “qualified lenders”.

Please carefully review any loan offer you receive, including its terms, and rates. Then if you are satisfied with your loan offer you may proceed with the lender by accepting that offer. There is no obligation to accept the loan presented to you, and you can feel comfortable exiting the process at any time if you are not satisfied with your loan offer.  You can also contact us by filling out our on line contact form and we will present your application to another lender immediately.

The terms offered to our clients may be  up to a maximum term of (5) five years. However it is at the lenders’ discretion to determine the duration of the loan term. It may be more helpful to focus on the amount you pay back in total rather than on APR alone. Loans provided by lenders can be less expensive than overdraft charges and late payment costs in most cases. When used in the right way short term loans can save borrowers money.

Conservative Consumer is not a lender and does not give loans or make lending decisions. Conservative Consumer only provides a matching service for private lenders, and does not represent any loan provider or single lending service. Conservative Consumer does charge a non-refundable Application and Subscription Fee of Forty Nine Dollars ($49)  together with a .5% Loan Value Fee* plus HST that will be deducted from your bank account within the next (30) thirty days after submitting our secure application form for access to our qualified lenders. Conservative Consumer does not guarantee the applicant a loan product because that decission is based on the lender’s discretion. (HST Registration #: 80194 7003 RT 0001)