Answer a few questions to see if you meet the initial eligibility criteria. If you do, DUCA will send you a secure Smartie link to validate your income.
About you
Address *
Referral
Were you referred today? *
Select Yes No
Please select the referral partner *
Select referral partner TSI Canada Kingston Data & Credit BDO Farber Go Beyond Smartie website Other
Who sent you to us? *
Your debts
Add each high-interest or payday loan you would like DUCA to consider. The combined total cannot exceed $18,000.
+ Add another debt
Total debts entered $0
This application cannot continue.
Initial eligibility
Are you a Canadian citizen or permanent resident? *
Select Yes No The Escalator Loan currently requires you to be a Canadian citizen or permanent resident.
Do you have a regular source of income? *
Select Yes No A regular source of income is required for this program.
What is your main source of income? *
Select Employment / payroll Self-employed Gig / contract income Pension Government benefits Multiple income sources Other regular income
Are you currently an undischarged bankrupt, or have you entered a consumer proposal within the last 12 months? *
Select No Yes You do not currently meet this Escalator Loan eligibility requirement because of the bankruptcy or recent consumer proposal.
Do you have any outstanding child-support payments? *
Select No Yes You do not currently meet this Escalator Loan eligibility requirement because there are outstanding child-support payments.
I confirm the debts I want to refinance are not credit card debt or CRA debt. I consent to Smartie and DUCA using the information I provide to assess initial eligibility and continue this application.
Check if I may qualify →
