Loans from $20,000 to $500,000
Your next step deserves financing that moves as fast as you do.
A decision within 24 hours, a fully online process, no endless paperwork.
Traditional banks don't move at your pace.
Weeks of waiting
While you wait for an answer, your projects don't wait.
Endless paperwork
Complex forms and rigid criteria that don't reflect your reality.
Missed opportunities
Every day of delay is a growth opportunity slipping by.
We get it. That's why we built EspaceCredit.
EspaceCredit is a Quebec-based company that designed a financing process for people in a hurry to move forward — not to be kept waiting. Clear amount, term, and payment from the start, a decision within 24 hours, and a team that supports you every step of the way.
Our services
Financing solutions tailored to every stage of your personal or business projects.
Personal loan
From $20,000 to $500,000 to fund a life project: renovation, vehicle, education, or a major unexpected expense.
Business loan
Capital to grow your business: inventory, equipment, expansion, or working capital.
Debt consolidation
Combine your debts into one clear monthly payment, at a competitive rate.
Three steps, no surprises.
1. Simulate and apply
Adjust the amount and term below, then submit your application online in minutes.
2. Get a decision within 24 hours
Our team reviews your file and gives you a clear answer, with visible status at every stage.
3. Sign and receive your funds
Sign your contract online and your deposit is scheduled automatically.
20 000 $ - 500 000 $
Estimated monthly payment
2 952 $
A 5% origination fee is deducted from the net deposit, no other fees apply.
Your projects move forward. Your business grows.
No more waiting and uncertainty: you're back in control of your timeline and your decisions.
About us
EspaceCredit is a private lending company based in Quebec City, founded to offer individuals and businesses a fast, human, and transparent alternative to traditional bank financing.
Our team reviews every file rigorously, without the administrative weight of large institutions. Amount, term, and payment are clear from the start, and a real person reviews your application, never an algorithm alone.
We believe access to financing shouldn't be an obstacle to your projects. That's why we commit to a decision within 24 hours and fully disclosed fees, with no surprises.
Contact us
A question before applying? Our team is here to help.
- info@espacecredit.ca
- Phone
- 418 555-0142
- Address
- 62, rue du Petit-Champlain, Québec (Québec) G1K 4H4
- Business hours
- Monday to Friday, 9 am to 5 pm (ET)