Skycap Financial

Connecting you with Skycap Financial...

Why SkyCap Financial?

SkyCap Financial is a non-bank lender, providing Canadians with alternative financing since 2013. Based in Kingston, Ontario, SkyCap Financial helps people with poor or bad credit to receive the financial assistance they need.


To get approved for a loan with SkyCap Financial you'll need a few things: a steady income, a good credit score (600 to 900), not a lot of other debt, steady employment (full or part-time).

Borrow up to $10,000, with terms lasting as long as 60 months. SkyCap Financial is an online lender that approves applications based on a borrower’s credibility, stability and current income. If you have a less-than-perfect credit score, you can apply for a SkyCap loan.

We recommend SkyCap Financial because...

Pros & Cons

  • Apply in less than 5 minutes
  • Get a quick decision and quick funds
  • High interest rates compared to competitors
  • They don't serve all provinces

FAQs about SkyCap Financial

What Is SkyCap Financial?

SkyCap Financial provides financial solutions such as money lending to help Canadians without affecting their credit negatively. Their primary focus is on people with poor credit, so they can still access PayDay Loans, Cash Loans, Car Loans, Bad Credit Loans, Healthcare Loans and loans for travel, moving, weddings, furniture and more.

Why Should I Use SkyCap Financial?

There are lots of reasons why you should use SkyCap Financial. The main benefits include the following:

  • Fast and simple process
  • The option to borrow up to $10,000 easily
  • Terms are up to 5 years
  • Payments are affordable

How Do I Apply For A Loan With SkyCap Financial?

The application process is straightforward, simply follow these steps:

  1. Go on SkyCap Financial and fill out the loan application.
  2. Get an instant decision.
  3. Receive your money instantly.

What Are Fees And Interest Rates From SkyCap Financial?

The fees and interest rates involved depend on which loan and the borrower's credit background. However, to get an overview, loam amortization is from 9-60 months, and APR starts from 12.99% - 39.99%.  

What Do I Need To Qualify For A Loan?

SkyCap Financial base its decisions on three factors which are the applicant's credibility, stability and income. Although SkyCap focuses on helping people with poor credit, they also have the right to approve or decline an applicant based on their guidelines and procedures.

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