Everything you need to know

You apply online in about 3 minutes. We review your application, verify your identity and income digitally, and present you with loan options. Once you accept an offer, funds are deposited directly into your bank account — often the same day.

Omni Loans offers competitive rates starting from 9.99%*. Your actual rate depends on your credit profile, loan amount, and term length. We'll show you exactly what you'll pay before you commit — no hidden fees.

Yes. We believe you're more than your credit score. We consider your full financial picture — income, expenses, and ability to repay. Many Canadians with lower credit scores are approved every day.

If approved, you can receive funds as soon as the same day via direct deposit. Most applications are processed within hours, not days.

You'll need active online banking, a government-issued ID, and proof of income. Everything is verified digitally — no faxing, no mailing, no branch visits.

No. Submitting an application with Omni Loans does not affect your credit score. A full credit check is only done if you choose to proceed with a loan offer.

Chloe is our AI-powered loan assistant. She's available 24/7 by phone or online to answer your questions, explain your options, help you through the application, and connect you to a human advisor when needed.