Our Process

What Happens After You Apply

One free form sets the process going. From there your details travel to licensed lenders, their offers come back to you, and you decide whether any of them are worth taking.

Submit Your Free Request

Step by Step

Four steps, from the first form to funded

No printing, faxes, or office visits at any point.

Fill In One Short Form

You tell us the amount you are considering and how to reach you. There is no charge, and most people finish in a few minutes.

Your Request Reaches Lenders

We pass it to licensed lenders that work in your province and offer the kind of credit you asked about.

You Weigh the Numbers

The amount, the fees, and the repayment date are set out in full. Nothing binds you until you decide it should.

Money Arrives by e-Transfer

Accept an offer and sign, and the funds are usually sent by Interac e-Transfer, often within minutes.

Questions

What people ask before they apply

How much time does the form take?

For most people, a few minutes is enough. Have your personal details, income information, and banking numbers nearby before you start.

Does sending a request hurt my credit score?

It does not. Stars For Youth makes no credit enquiry, so your score is untouched. Individual lenders may run their own checks before they confirm an offer.

When does the money arrive?

Usually within minutes of accepting an offer and signing, sent by Interac e-Transfer. The exact timing depends on your bank.

What does Stars For Youth cost?

Nothing. Borrowers never pay us a fee; we are compensated by the lending partners we introduce you to.

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