Terms and conditions

Last Updated: September 23, 2026

These General Terms and Conditions (“Terms”) govern the use of the CREDIT EXPRESS CANADA website and the relationship between CREDIT EXPRESS CANADA and users who access our website, request information, or apply for financing.

By accessing this website or submitting a financing request, you acknowledge that you have read and understood these Terms.

1. Company Information

CREDIT EXPRESS CANADA is a financing provider based in Thornhill, Ontario, Canada.

CREDIT EXPRESS CANADA is a subsidiary of:

GTA Financial & Investment Corp.

FINTRAC MSB Registration Number: M08235689
Ontario Incorporation Number: 1744616

Phone: +1 672-703-1007
Email: contact@creditexpress-ca.com

Business Hours: Monday to Friday, 8:00 a.m. to 6:00 p.m.

2. Purpose of the Website

The CREDIT EXPRESS CANADA website provides information about financing solutions available to individuals and businesses across Canada.

The website may allow visitors to:

Learn about our financing solutions;
Submit a financing inquiry;
Request information;
Contact our team;
Begin a financing application process.

Information presented on the website is provided for general informational purposes and does not, by itself, constitute a binding financing offer.

3. Financing Amounts

Subject to eligibility, approval, applicable requirements, and the terms of the financing agreement, CREDIT EXPRESS CANADA may provide financing ranging from:

$1,000 to $50,000 CAD

The amount ultimately approved may be different from the amount requested.

The approved amount may depend on factors including:

The applicant’s financial situation;
The purpose of the financing;
Information and documentation provided;
Eligibility requirements;
Credit and risk assessment;
Applicable regulatory requirements;
The applicant’s ability to meet the repayment obligations.

Submitting an application does not guarantee approval for a particular amount.

4. Eligibility

Financing is available only to applicants who meet the applicable eligibility requirements.

Depending on the financing request, applicants may be required to provide:

Valid identification;
Contact information;
Proof of address;
Proof of income or revenue;
Banking information;
Employment information;
Financial information;
Business documentation, where applicable;
Other documents reasonably required to assess the application.

CREDIT EXPRESS CANADA may request additional information or documentation when necessary.

5. Application Process

Applicants must provide complete and accurate information during the application process.

Providing false, misleading, incomplete, or fraudulent information may result in:

Rejection of the application;
Cancellation of a financing offer;
Suspension or termination of services;
Other action permitted by applicable law.

CREDIT EXPRESS CANADA may verify information provided by an applicant through appropriate sources, including credit reporting agencies, financial institutions, identity verification services, or other authorized sources, where permitted by law.

6. Application Review and Approval

All financing requests are subject to review and approval.

An application does not constitute a financing agreement.

A financing agreement becomes binding only when the applicable approval and contractual requirements have been completed and the agreement has been accepted and executed as required.

CREDIT EXPRESS CANADA reserves the right to decline an application where eligibility, verification, compliance, risk, documentation, or other applicable requirements are not satisfied.

7. Availability of Funds

Once a financing request has been approved and all required documentation and conditions have been satisfactorily completed, the approved funds may be made available:

Within a maximum of 48 hours after the complete file has been provided and validated.

The 48-hour period begins only once CREDIT EXPRESS CANADA has received the information and documentation required to complete the applicable verification and approval process.

The actual timing may vary depending on:

Completion and accuracy of the applicant’s file;
Verification requirements;
Banking procedures;
Payment processing;
Compliance requirements;
Circumstances outside CREDIT EXPRESS CANADA’s reasonable control.

The 48-hour timeframe therefore does not constitute a guarantee that funds will be deposited in every circumstance.

8. Repayment Start Date

Unless otherwise specified in the applicable financing agreement, repayment is scheduled to begin:

Three (3) months after the financing has been obtained.

The exact repayment start date, payment amount, payment frequency, and other repayment conditions will be specified in the applicable financing agreement.

Applicants should carefully review their financing agreement before accepting the financing.

9. Repayment Period

The repayment period may range from:

1 year to 20 years

The applicable repayment period depends on factors including:

The amount financed;
The type of financing;
The applicant’s financial profile;
The agreed financing terms;
Applicable eligibility requirements.

The exact repayment period will be stated in the financing agreement.

10. Interest, Fees and Financing Costs

Any applicable interest rate, fees, charges, or other financing costs will be disclosed in the applicable financing documentation.

Before accepting financing, applicants should carefully review:

The amount financed;
The interest rate;
The applicable annual percentage rate or equivalent disclosure, where required;
Applicable fees;
Payment amounts;
Payment frequency;
Total cost of borrowing;
Repayment period;
Early repayment provisions;
Any other applicable terms.

No applicant should accept financing without first reviewing and understanding the applicable financing agreement.

11. Repayment Obligations

Once a financing agreement has been accepted, the borrower is responsible for making all required payments according to the agreed payment schedule.

Failure to make payments when due may have financial or contractual consequences, including applicable fees, interest, collection measures, or impacts on credit reporting, where permitted by law and applicable to the agreement.

Borrowers experiencing difficulty meeting their repayment obligations should contact CREDIT EXPRESS CANADA as soon as possible.

12. Early Repayment

Borrowers may have the ability to repay some or all of their financing before the scheduled maturity date.

Any applicable conditions, restrictions, fees, or procedures concerning early repayment will be specified in the applicable financing agreement and governed by applicable law.

Borrowers should contact CREDIT EXPRESS CANADA before making an early repayment if they require clarification regarding the applicable terms.

13. Credit Assessment

CREDIT EXPRESS CANADA may conduct appropriate credit, financial, identity, and risk assessments as part of the financing process.

Depending on the financing product and applicable law, information may be obtained from credit reporting agencies or other authorized sources.

Applicants may be required to provide authorization for such checks where required.

14. Identity Verification and Regulatory Compliance

Applicants may be required to provide identification and other information necessary to satisfy applicable legal and regulatory requirements.

CREDIT EXPRESS CANADA may be required to collect, verify, retain, and disclose certain information in accordance with applicable Canadian laws and regulatory obligations.

This may include requirements relating to identity verification, anti-money laundering, anti-terrorist financing, fraud prevention, and other compliance obligations.

Failure to provide information required for regulatory or verification purposes may prevent an application from being processed.

15. Accuracy of Information

Applicants are responsible for ensuring that all information submitted to CREDIT EXPRESS CANADA is accurate, complete, and current.

Applicants must notify CREDIT EXPRESS CANADA of any material change in information that may affect their financing relationship.

CREDIT EXPRESS CANADA is not responsible for delays or consequences resulting from inaccurate, incomplete, or outdated information provided by an applicant.

16. Confidentiality and Privacy

Personal information collected during the application and financing process is handled in accordance with our Privacy Policy and applicable privacy legislation.

Information may be collected, used, retained, and disclosed where necessary to:

Process financing applications;
Verify identity;
Assess eligibility;
Manage financing relationships;
Prevent fraud;
Meet legal and regulatory requirements;
Provide requested services.

For more information, please consult our Privacy Policy.

17. Electronic Communications

By contacting CREDIT EXPRESS CANADA electronically or submitting information through our website, you acknowledge that communications may be conducted electronically where permitted by applicable law.

Electronic communications may include:

Emails;
Application notifications;
Requests for additional documentation;
Financing-related communications;
Account or payment communications;
Service updates.

Applicants are responsible for ensuring that the contact information they provide is accurate and accessible.

18. Website Information

Information published on the CREDIT EXPRESS CANADA website is intended to provide general information about our services.

While we make reasonable efforts to maintain accurate information, we do not guarantee that all website content will always be complete, current, or free from errors.

Specific financing terms are governed by the applicable financing agreement and not solely by information displayed on the website.

19. No Guarantee of Approval

Submitting a financing inquiry or application does not guarantee approval.

Approval, financing amount, repayment period, interest rate, fees, and other conditions are subject to the applicable assessment and financing agreement.

CREDIT EXPRESS CANADA reserves the right to approve or decline applications in accordance with applicable eligibility requirements and law.

20. Prohibited Uses

Users must not use the website or financing services for unlawful purposes.

Users must not:

Provide fraudulent information;
Impersonate another person;
Submit applications using another person’s identity without authorization;
Attempt to circumvent verification procedures;
Use the website to facilitate unlawful activities;
Attempt unauthorized access to our systems;
Introduce malicious software or harmful code.

CREDIT EXPRESS CANADA may take appropriate action where misuse or fraudulent activity is identified.

21. Third-Party Services

CREDIT EXPRESS CANADA may use third-party service providers to support its operations, including services relating to:

Technology;
Data storage;
Identity verification;
Credit assessment;
Payment processing;
Communications;
Fraud prevention;
Compliance;
Customer support.

Where applicable, third-party services are subject to their own terms and privacy policies.

22. Intellectual Property

Unless otherwise stated, all website content, including text, logos, graphics, images, designs, trademarks, and other materials, is owned by or licensed to CREDIT EXPRESS CANADA or its applicable rights holder.

Users may not reproduce, distribute, modify, publish, or commercially exploit website content without prior written authorization, except where permitted by applicable law.

23. Limitation of Liability

To the extent permitted by applicable law, CREDIT EXPRESS CANADA shall not be responsible for losses resulting from:

Website interruptions;
Technical failures;
Delays caused by third parties;
Incorrect information provided by an applicant;
Unauthorized access beyond reasonable control;
Reliance on general website information;
Banking or payment processing delays outside our reasonable control.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

24. Changes to These Terms

CREDIT EXPRESS CANADA may modify these General Terms and Conditions from time to time.

Updated Terms will be published on this website and will indicate the applicable revision date.

Continued use of the website after changes are published may constitute acceptance of the updated Terms to the extent permitted by applicable law.

Financing agreements already entered into will remain governed by their specific contractual terms unless otherwise permitted by law or agreed by the parties.

25. Governing Law

These Terms are governed by the applicable laws of Canada and the Province of Ontario, except where mandatory applicable laws provide otherwise.

Any dispute relating to these Terms or the use of the website shall be subject to the jurisdiction of the courts having appropriate jurisdiction.

26. Contact Us

If you have questions regarding these General Terms and Conditions or our financing services, please contact us:

CREDIT EXPRESS CANADA

A subsidiary of GTA Financial & Investment Corp.