A better borrowing future

Building, Improving and Securing Credit through safe, secure and affordable solutions

  CREDIPLANPLUS provides innovative financial service and loans products.

  CREDIPLANPLUS assists customers from various backgrounds including:

  New Immigrants   Recent Bankrupts   Students   People looking to build their credit   Divorce

The Problem

  Building credit as a new Immigrant is very difficult

  There are no solutions to build credit if a person is going through a consumer proposal

  B20 and the new loan regulations are making it more difficult to obtain financing

  Students need solutions to assist in building a credit history enabling them to get access to future financing

The Solution

  CREDIPLANPLUS is a different kind of loan company. We are not your typical bank or financial institution. We care about helping our clients.

We are not a credit repair Company

  CREDIPLANPLUS has developed a suite of products including its unique Savings Loan product. The product is geared towards helping clients establish and build their credit while saving money each month.

  No matter if the client is awaiting discharge from bankruptcy, making payments in a consumer proposal, has bad credit, or no credit history at all – we can help!

We help build your credit to prepare for a better borrowing future.

How does a CREDIPLANPLUS loan work?

  A CREDIPLANPLUS Savings Loan is a loan and savings product designed to help you save money while you establish and build your credit.

  The net proceeds of the loan are invested by CREDIPLANPLUS in trust for you in a 100% Guaranteed Investment Certificate (GIC).

  The GIC has the same maturity date as the loan.

  You make monthly payments to CREDIPLANPLUS building up equity in your GIC with each payment.

Does CREDIPLANPLUS hold the GIC funds on deposit and how does it help build my credit?

  CREDIPLANPLUS invests the funds in trust for you with a large bank or financial institution. The GIC is covered by a government guarantee under the Canadian Deposit Insurance Corporation so your money is safe.

  The interest earned on the GIC varies depending on market GIC interest rates.

  CREDIPLANPLUS will report your repayment history to your credit profile helping you establish and build your credit.

  At the end of the loan term, your loan with CREDIPLANPLUS is paid off and the GIC investment and the interest on the GIC are yours to keep!

Quick and Easy application process

Application status and Approval within 24 hours

Customer Identity Verified Used to protect identity and meet government anti

money laundering policies

Complete Application Form

Is Everyone Approved?

  No, however the approval ratio is very high

  We can accept clients that are:

 waiting to be discharged from bankruptcy

 want to start rebuilding their credit

 currently making payments in a consumer proposal

 clients with bad credit or no credit

Who can apply?

  Anyone who is the age of majority in their Province.

  CREDIPLANPLUS can offer a loan if an applicant is still making payments in a consumer proposal.

  CREDIPLANPLUS is able to offer an applicant a loan if they are a new immigrant or do not have any established credit.

  An applicant going through bankruptcy can start rebuilding their credit with this product.

  Anyone with poor credit or no credit.

  CREDIPLANPLUS is available in all Provinces with the exception of Quebec.

Are there fees to obtain a loan and what are my monthly payments?

  There are no out of pocket fees to obtain the loan. An application fee is applied to the loan proceeds at the time of issuing. Application fees vary by loan amount:

Term (Months) 36 36 60 60

Loan Amount $2,300 $3,350 $5,500 $10,500

Administration Fee (included in loan)

$300 $350 $400 $500

Monthly Payments

$77.50 $112.86 $125.10 $232.93

What are the interest rates on the loans?   CREDIPLANPLUS offers competitive interest rates that

are lower than secured credit cards. The interest rates vary by term of the loan.

  Our current interest rates start as low as 11.88% - 12.99%.

Can I prepay my loan at any time?

  Yes. Loan prepayments may be made anytime.

CREDIPLANPLUS charges a small fee for all changes.

Does CREDIPLANPLUS promise to repair my credit?

  No. CREDIPLANPLUS is not a credit repair company. We offer a loan and savings product and will report your payment history to your credit profile to help you establish and build your credit. Maintaining scheduled payments for a minimum of six months will allow the payment history to be reflected on your credit report and may help you improve your score.

  Contact CREDIPLANPLUS or your advisor to learn how to establish credit and improve your existing credit score.

Benefits for Agents

  Help your clients establish, rebuild or improve their credit.

  Provide clients with a “forced savings plan”

  Proceeds of the GIC can be used towards a down payment on a home.

  Simple online application.

  Fast closing and funding.

  Earn attractive Referral Fees.

  Contact CREDIPLANPLUS today to get set up as an authorized Referral Agent

Apply today for a better tomorrow

  Apply online - www.crediplanplus.com

  Call our Customer Lending Centre 1.855.660.7130 or 905.660.1898

  Apply by fax – 1.877.660.3078 or 905.660.3078

  For information on how to improve your credit contact us at sales@crediplanplus.com

  Obtain a copy of your credit report by visiting www.crediplanplus.com

A better borrowing future