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All loans are subject to underwriting approval. Swift Cash Direct is not a Payday Lender. Swift Cash Direct only works with financial service providers that adhere to Canadian laws and regulations. Loans range from $250-1500 with terms from 3 months to 6 Months. APRs range from 2.99% to 29% and will depend on our partner’s assessment of your credit profile. For example, for a $500 loan paid monthly over 3 months, a borrower will pay $188.52 per month for a total of $565.56 over the course of the entire loan period. This amount includes our partner’s optional loan protection policy. In the event of a missed payment an insufficient funds fee of around 45$ may be charged. In the case of a default on your loan your payment plan will be terminated and different collection methods will be employed to collect your remaining balance. Outstanding debts will be pursued to the full extent of the law. Our lenders employ fair collection practices. All of our loans carry a term EXCEEDING 62 days with an APR of 32% interest. Therefore, Swift Cash Direct is NOT REQUIRED to obtain a lending license to lend in CANADA. Some brokerage fees and admin fees might be added to the instalments. Please read your contract carefully.