LOAN APPLICATION WITHOUT A CO-BORROWER

GMF offers unsecured loans to anyone whose debt ratio is less than 45%. To do so, you must fill out our application form by disclosing your existing monthly financial obligations (mortgage, rent, car, other loans and micro-loans…), as well as your gross monthly income. These two figures will tell us your debt ratio. If you estimate your debt ratio to be less than 45%, apply now!

• You will get a pre-qualification from our system
• Then, with the other information requested, we will finalize the analysis of your file
• Within approximately 1 hour, our analyst will confirm our decision
• In the case of a positive answer, you will receive your contract electronically for signature
• You will receive your loan in less than 24 hours (in the afternoon even if your loan was approved before 11am)

As simple as that!

LOANS ALSO AVAILABLE IF YOUR DEBT RATIO EXCEEDS 45% (WITH A CO-BORROWER)

If your debt ratio is over 45%, all is not lost! We will agree to issue you a loan if you submit a file with a qualified co-borrower. GMF accepts any co-borrower of YOUR choice: relative, friend, co-worker, whether they do it for free or for a fee, it doesn’t matter, as long as they fill out the same form as you and do not exceed the 45% ratio imposed by the OPC, we accept them!

You are uncomfortable asking someone you know for this favour? We recommend co-borrowers who are members of the l’Association des microprêteurs du Québec because they adhere to a strict code of ethics, unlike some other active actors.