Affiliate Disclosure

How We Make Money

24/7 E-transfer Loans Canada operates as a referral platform connecting Canadian borrowers with licensed payday lenders and alternative credit providers. We do not lend money directly. Instead, when you complete an application through our site and are approved by a lender partner, that lender pays us a referral commission.

This commission model allows us to offer our service free to you. We do not charge application fees, processing fees, or any other cost to use our platform. The lender pays us; you do not.

Our Lender Partners

We work with a carefully selected network of licensed lenders operating across Canada. Each partner is required to comply with provincial lending regulations and consumer protection laws in their jurisdiction. Our partners offer e-transfer loans, payday loans, installment loans, and lines of credit to borrowers in various credit situations.

The specific lenders available to you depend on your province, credit profile, and the loan type you select. Not all lenders are available in all provinces, and not all borrowers will qualify with every partner.

Affiliate Relationships and Transparency

We maintain transparent relationships with our lender partners. Our referral commissions are:

• Paid only when a borrower completes an application and is approved by a lender
• Fixed or tiered amounts per referral (not a percentage of your loan amount)
• Disclosed in this policy so you understand our incentive

Our commission structure does not influence the loan terms, interest rates, or fees you receive from a lender. Those are determined solely by the lender based on your creditworthiness, loan amount, and provincial regulations. We do not negotiate rates on your behalf, nor do we have the authority to alter a lender's pricing.

No Bias in Our Recommendations

Although we earn commissions from all lenders equally, we strive to present lender options fairly. Our goal is to connect you with a lender that suits your needs, not to push you toward the partner that pays the highest commission. We recommend reviewing the How We Rate Lenders page to understand our evaluation criteria.

We also encourage you to compare terms, read the lender's disclosure documents, and ask questions before accepting any loan offer.

Editorial Independence

Our content, guides, and educational materials are created to inform and help you make better borrowing decisions. While we are compensated through referrals, our editorial team—led by Chad Powers—maintains independence in reviewing lenders, explaining loan types, and discussing responsible borrowing practices.

We do not allow lender partners to dictate our content or suppress critical information. If we identify concerns about a lender's practices or compliance, we address them transparently and may adjust our partnerships accordingly.

Your Data and Privacy

When you submit an application through our platform, your information is shared with the lender(s) you selected. We do not sell your data to third parties beyond what is necessary to process your referral. For full details on how we collect, use, and protect your information, please review our Privacy Policy.

Responsible Lending Commitment

We are committed to connecting borrowers with responsible lenders. We encourage all users to review our Responsible Borrowing guide, which covers budgeting, repayment strategies, and how to avoid predatory lending practices. Payday loans and e-transfer loans are short-term financial tools and should not be used as a long-term solution to debt.

Questions About This Disclosure

If you have questions about our affiliate relationships, how we are compensated, or our editorial practices, please contact us directly. Transparency is fundamental to how we operate, and we welcome your inquiry.

Changes to This Policy

We may update this Affiliate Disclosure from time to time to reflect changes in our business practices or regulatory requirements. We recommend reviewing this page periodically. Continued use of our site following any update constitutes your acceptance of the revised disclosure.

Last Updated: This policy reflects our current affiliate and referral practices across all Canadian provinces where we operate.