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Get extra funds for whatever life throws your way

Have you found yourself in a position where you cannot cover the cost of an emergency or other necessary expense? Whether you have emergency medical bills or recently experienced damage to your home or property, Alpine Credits is here to help. With multiple loan options and approval in under 24 hours, a home equity loan from Alpine Credits can give you the flexibility to access the money you need to take care of temporary expenses.

We have been providing home equity loans to Canadians since 1969 and can help you obtain the money you need quickly. Our team of lending specialists has the expertise to thoroughly understand your financial situation and provide you with financing options for unexpected expenses or temporary needs.

Why a home equity loan may be the best solution for you

Temporary needs

You can rest easy knowing the exact monthly payment you are making towards your home equity loan.

Our financial experts can work with you to help create a flexible payment schedule.

We try our best to get the money transferred to your account within a week, upon application approval.

Homeowners get approved in less than 24 hours

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Apply online in minutes

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Get approved in less than 24 hours

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Funds are deposited directly into your account within a week.

Apply now

See how Alpine Credits compares

There is no shortage of options to choose from when it comes to financial solutions. See how traditional banks, credit cards, and other loan options compare to a home equity loan from Alpine Credits.

Credit cards

Credit cards are known for their highinterest rates, making them harder to pay off. Moreover, it negatively impacts your credit score any time you miss a payment.

Traditional banks

Banks have stringent loan approval criteria. They are also less flexible about reasons for borrowing money.

Personal loans

These loans are typically unsecured, which means higher interest rates. Plus, you’ll pay interest on the total loan amount, even if you don’t need it all.

Approved-stamp

Own your home? You’re approved.

All you need to qualify for a loan is to own your home (or other real estate). Traditional banks look at factors such as your age, income, and credit history to approve you for a loan. At Alpine Credits, we focus on the amount of equity you have in your home or other real estate properties. We make the process as quick and easy as possible.

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Frequently asked questions

Emergency loans are short-term loans that are designed to help you cover unexpected expenses. These loans can be used for things like car repairs, medical bills, or home repairs. Alpine Credits starts your emergency loan application process by evaluating your home equity and giving you the emergency loan you need to take care of your emergency.

Emergency loans are available through Alpine Credits even with bad credit. We specialize in emergency loans for people with bad credit, and we work with you to get approved regardless of your situation. We can help you leverage your home equity to get the funds you need fast.

In order to get an emergency loan without employment, you would normally need to provide documentation that shows that you have a steady income from other sources. This could be in the form of pay stubs, bank statements, or other proof of income. Alpine Credits, on the other hand, makes it simple. We have a quick and easy application procedure that doesn’t take your age, credit history, or income history into account. When determining whether or not you are qualified for a home equity loan, we just look at the equity in your house.

The process for getting an emergency loan is made simple thanks to the Alpine Credits process. You can start by filling out our online form, which only takes a few minutes. Once you have filled out the form, we will evaluate your home equity and let you know if you are approved for a loan, usually within 24 hours. If you are approved, we deposit the money directly to your bank account.

It can be difficult to get an emergency loan with no credit check. Most lenders want to see at least some credit history before they approve a loan. However, there are a few lenders that specialize in emergency loans for people with no credit history, and Alpine Credits is one of them. We understand that sometimes people have emergencies, even if they don’t have a good credit history. That’s why we make the process simple and easy, without any credit checks.

**The above chart entitled “Monthly Loan Payments on $35,000” is for discussion purposes only. The graph is intended to illustrate various monthly payments associated with different product offerings to the reader. Please see below for the unique terms and conditions related to each offering. Final rates and payments for all loans in question are subject to change and vary based on each individual’s situation.
Bank Loans: $35,000 interest-only loan with fixed rate prime (2.95%) + 3% / monthly payment. Two-year term in which 100% of principal is owed at the end of the term. Other fees (appraisal/legal) may apply.
Alpine Credits 1st Mortgage: $40,500 (net $35,000) interest-only loan with 5.75% interest rate in year one and prime + 4.00% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Alpine Credits 2nd Mortgage: $40,500 (net $35,000) interest-only loan with 8.75% interest rate in year one and prime + 6.05% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Credit Cards: $35,000 loan paid off in 5 year & monthly PMT. 19.99% interest rate & fee of primary and secondary user ($99 + 30$ = $129 Yearly).
Online Loan 1: $35,000 loan paid off in 46 Months/Bi-weekly PMT with a 26.90% interest rate. Loan details have been taken directly from the online lending company’s website. Other fees may apply.
Online Loan 2: $35,000 loan paid off in 4 Years/Bi-weekly PMT. Loan details have been taken directly from the online lending company’s website. Other fees may apply.