{"id":26107,"date":"2025-10-21T19:13:36","date_gmt":"2025-10-21T19:13:36","guid":{"rendered":"https:\/\/springfinancial-mex.sf-stg.ca\/help-centre\/personal-loans\/"},"modified":"2026-03-30T22:56:37","modified_gmt":"2026-03-30T22:56:37","slug":"prets-personnels","status":"publish","type":"page","link":"https:\/\/springfinancial-mex.sf-stg.ca\/fr\/help-centre\/prets-personnels\/","title":{"rendered":"FAQ &#8211; Pr\u00eats Personnels"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"26107\" class=\"elementor elementor-26107\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56b65e21 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"56b65e21\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_range&quot;:&quot;viewport&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d8ddb0b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1d8ddb0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-517cf1eb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"517cf1eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">FAQ pr\u00eats personnels<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6392f48a elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6392f48a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_tablet&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Foire aux questions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b278bf elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"59b278bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vos finances sont importantes pour vous. Notre objectif est d\u2019offrir une transparence totale sur nos produits afin\u00a0 de vous aider \u00e0 choisir la solution qui vous convient le mieux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29386463 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"29386463\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-768b74ce elementor-widget__width-initial elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"768b74ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a 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class=\"elementor-element elementor-element-59936490 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"59936490\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55be82c9 elementor-widget elementor-widget-heading\" data-id=\"55be82c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pr\u00eats personnels<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2dd1774c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"2dd1774c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-433266f1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"433266f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bad3f82 elementor-widget elementor-widget-heading\" data-id=\"7bad3f82\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pr\u00eats personnels : bases et taux<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f8c5d4c elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"3f8c5d4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1060\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1060\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Qu\u2019est-ce qu\u2019un pr\u00eat personnel non garanti? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1060\" class=\"elementor-element elementor-element-1fae962b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1fae962b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2173c791 elementor-widget elementor-widget-text-editor\" data-id=\"2173c791\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Un pr\u00eat personnel non garanti est un type de pr\u00eat qui ne n\u00e9cessite aucun bien en garantie, comme une voiture ou une maison.<\/span><\/p><p><span style=\"font-weight: 400;\">L\u2019approbation est bas\u00e9e sur plusieurs facteurs, notamment votre revenu, vos obligations financi\u00e8res actuelles et votre profil de cr\u00e9dit global, plut\u00f4t que sur un actif mis en garantie.<\/span><\/p><p><span style=\"font-weight: 400;\">Une fois approuv\u00e9, vous recevez un montant forfaitaire qui est rembours\u00e9 par paiements planifi\u00e9s sur une dur\u00e9e d\u00e9termin\u00e9e.<\/span><\/p><p><span style=\"font-weight: 400;\">Comme aucune garantie n\u2019est requise, les pr\u00eats personnels non garantis sont souvent utilis\u00e9s pour :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">consolider des dettes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">couvrir des d\u00e9penses impr\u00e9vues<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">financer des achats importants<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1061\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1061\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Comment fonctionne un pr\u00eat personnel chez Spring Financial? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1061\" class=\"elementor-element elementor-element-66f66b1d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"66f66b1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-274ff715 elementor-widget elementor-widget-text-editor\" data-id=\"274ff715\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Spring Financial offre des pr\u00eats personnels non garantis au Canada que vous pouvez demander enti\u00e8rement en ligne.<\/span><\/p><p><span style=\"font-weight: 400;\">Le processus de demande est simple et rapide. Toutes les \u00e9tapes \u2014 de la demande \u00e0 la signature des documents \u2014 peuvent \u00eatre compl\u00e9t\u00e9es de fa\u00e7on num\u00e9rique.<\/span><\/p><p><span style=\"font-weight: 400;\">Les montants de pr\u00eat varient de <\/span><b>500 $ \u00e0 35 000 $<\/b><span style=\"font-weight: 400;\">, avec des dur\u00e9es de remboursement de <\/span><b>6 \u00e0 84 mois<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Une fois approuv\u00e9, vous pouvez consulter et signer vos documents imm\u00e9diatement. Les fonds sont g\u00e9n\u00e9ralement envoy\u00e9s peu apr\u00e8s.<\/span><\/p><p><span style=\"font-weight: 400;\">Nos pr\u00eats sont <\/span><b>des pr\u00eats ouverts<\/b><span style=\"font-weight: 400;\">, ce qui signifie que vous pouvez rembourser votre solde plus t\u00f4t en tout temps, <\/span><b>sans frais ni p\u00e9nalit\u00e9<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Les fonds peuvent \u00eatre utilis\u00e9s pour presque n\u2019importe quel besoin, par exemple :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">consolidation de dettes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">d\u00e9penses d\u2019urgence<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\">achats importants<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1062\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1062\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> \u00c0 quoi peut servir un pr\u00eat personnel? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1062\" class=\"elementor-element elementor-element-63c660ed e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"63c660ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49757d43 elementor-widget elementor-widget-text-editor\" data-id=\"49757d43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Un pr\u00eat personnel peut servir \u00e0 financer plusieurs types de d\u00e9penses selon vos besoins.<\/span><\/p><p><span style=\"font-weight: 400;\">Voici quelques utilisations courantes :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">consolidation de dettes (par exemple rembourser des dettes \u00e0 taux \u00e9lev\u00e9)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">achat ou r\u00e9paration de v\u00e9hicule<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">d\u00e9penses m\u00e9dicales ou dentaires<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00e9v\u00e9nements importants (mariage, voyage, etc.)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">achats majeurs<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">d\u00e9penses impr\u00e9vues<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Les pr\u00eats personnels offrent un montant forfaitaire pouvant \u00eatre utilis\u00e9 pour presque n\u2019importe quelle d\u00e9pense, tant que cela respecte votre contrat de pr\u00eat.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1063\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1063\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je utiliser un pr\u00eat personnel pour rembourser mes cartes de cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1063\" class=\"elementor-element elementor-element-24368a8c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"24368a8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-278728bf elementor-widget elementor-widget-text-editor\" data-id=\"278728bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui. Un pr\u00eat personnel peut servir \u00e0 rembourser des cartes de cr\u00e9dit. On appelle cela <\/span><b>la consolidation de dettes<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">En utilisant un pr\u00eat personnel pour regrouper des soldes de cartes de cr\u00e9dit \u00e0 taux \u00e9lev\u00e9, vous pouvez transformer plusieurs paiements en <\/span><b>un seul pr\u00eat avec des paiements fixes<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Cela peut rendre vos paiements plus simples \u00e0 g\u00e9rer et plus faciles \u00e0 suivre.<\/span><\/p><p><span style=\"font-weight: 400;\">Selon le taux d\u2019int\u00e9r\u00eat et les modalit\u00e9s qui vous sont accord\u00e9s, la consolidation peut \u00e9galement r\u00e9duire le co\u00fbt global de votre dette.<\/span><\/p><p><span style=\"font-weight: 400;\">Avant de proc\u00e9der, assurez-vous que le plan de remboursement correspond bien \u00e0 votre situation financi\u00e8re.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1064\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1064\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Comment consolider des dettes avec un pr\u00eat personnel? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1064\" class=\"elementor-element elementor-element-3d959bd3 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3d959bd3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4624691 elementor-widget elementor-widget-text-editor\" data-id=\"4624691\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pour consolider vos dettes avec un pr\u00eat personnel, vous utilisez les fonds du pr\u00eat pour rembourser plusieurs dettes existantes et les regrouper en un seul nouveau pr\u00eat.<\/span><\/p><p><span style=\"font-weight: 400;\">Une fois approuv\u00e9, vous recevez un montant forfaitaire que vous pouvez utiliser pour rembourser des dettes \u00e0 taux \u00e9lev\u00e9 comme :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cartes de cr\u00e9dit<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">autres dettes non garanties<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Vous remboursez ensuite le pr\u00eat personnel par paiements fixes selon la dur\u00e9e convenue.<\/span><\/p><p><span style=\"font-weight: 400;\">La consolidation peut simplifier vos finances en r\u00e9duisant le nombre de paiements \u00e0 g\u00e9rer chaque mois.<\/span><\/p><p><span style=\"font-weight: 400;\">Selon votre situation, elle peut aussi r\u00e9duire vos co\u00fbts d\u2019int\u00e9r\u00eat globaux.<\/span><\/p><p><span style=\"font-weight: 400;\">La meilleure fa\u00e7on de savoir si cette option vous convient est de <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>remplir une demande en ligne<\/b><\/span><\/a><span style=\"font-weight: 400;\"> afin que notre \u00e9quipe puisse examiner votre dossier.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1065\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1065\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Quel montant puis-je obtenir avec un pr\u00eat personnel? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1065\" class=\"elementor-element elementor-element-1903254 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1903254\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68840844 elementor-widget elementor-widget-text-editor\" data-id=\"68840844\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Spring Financial offre des pr\u00eats personnels non garantis allant de <\/span><b>500 $ \u00e0 35 000 $<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Le montant auquel vous pourriez \u00eatre admissible d\u00e9pend notamment de :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre revenu<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vos obligations financi\u00e8res actuelles<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre profil de cr\u00e9dit<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre capacit\u00e9 de remboursement globale<\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Chaque demande est \u00e9valu\u00e9e individuellement afin de d\u00e9terminer le montant de pr\u00eat et le taux d\u2019int\u00e9r\u00eat disponibles.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour savoir exactement combien vous pourriez emprunter, vous pouvez <a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>remplir une demande en ligne<\/b><\/span><\/a><\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1066\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1066\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Quels sont vos taux d\u2019int\u00e9r\u00eat pour les pr\u00eats personnels? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1066\" class=\"elementor-element elementor-element-50dd08d4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"50dd08d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56d605cd elementor-widget elementor-widget-text-editor\" data-id=\"56d605cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les taux d\u2019int\u00e9r\u00eat des pr\u00eats personnels de Spring Financial varient actuellement entre <\/span><b>9,99 % et 34,95 %<\/b><span style=\"font-weight: 400;\">, selon votre demande.<\/span><\/p><p><span style=\"font-weight: 400;\">Les <\/span><b>taux annuels effectifs globaux (TAEG)<\/b><span style=\"font-weight: 400;\"> varient de <\/span><b>9,99 % \u00e0 35,00 %<\/b><span style=\"font-weight: 400;\">, avec des dur\u00e9es de remboursement de <\/span><b>6 \u00e0 84 mois<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Le taux pr\u00e9cis d\u00e9pend de plusieurs facteurs, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre profil de cr\u00e9dit<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre revenu et votre stabilit\u00e9 financi\u00e8re<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vos dettes actuelles<br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Chaque demande est \u00e9valu\u00e9e individuellement.<\/span><\/p><p><span style=\"font-weight: 400;\">Votre taux d\u2019int\u00e9r\u00eat et votre TAEG seront clairement indiqu\u00e9s dans votre contrat de pr\u00eat avant la signature.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1067\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1067\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Mon taux d\u2019int\u00e9r\u00eat est-il fixe ou variable? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1067\" class=\"elementor-element elementor-element-7d6c8b22 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7d6c8b22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ffe3308 elementor-widget elementor-widget-text-editor\" data-id=\"1ffe3308\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les pr\u00eats personnels de Spring Financial ont <\/span><b>un taux d\u2019int\u00e9r\u00eat fixe<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Cela signifie que votre taux est \u00e9tabli au moment de l\u2019approbation et <\/span><b>ne changera pas pendant la dur\u00e9e du pr\u00eat<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Vos paiements resteront donc constants, ce qui facilite la gestion de votre budget.<\/span><\/p><p><span style=\"font-weight: 400;\">Tous les d\u00e9tails du pr\u00eat \u2014 y compris :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">le taux d\u2019int\u00e9r\u00eat<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">le montant des paiements<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">l\u2019\u00e9ch\u00e9ancier de remboursement<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">seront indiqu\u00e9s clairement dans votre contrat avant la signature.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1068\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1068\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Qu\u2019est-ce que le TAEG et quelle est la diff\u00e9rence avec le taux d\u2019int\u00e9r\u00eat? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1068\" class=\"elementor-element elementor-element-5107dca1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5107dca1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc87b34 elementor-widget elementor-widget-text-editor\" data-id=\"cc87b34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le <\/span><b>taux d\u2019int\u00e9r\u00eat<\/b><span style=\"font-weight: 400;\"> repr\u00e9sente le co\u00fbt d\u2019emprunt du montant du pr\u00eat.<\/span><\/p><p><span style=\"font-weight: 400;\">Le <\/span><b>taux annuel effectif global (TAEG)<\/b><span style=\"font-weight: 400;\"> repr\u00e9sente le co\u00fbt total du pr\u00eat sur une base annuelle.<\/span><\/p><p><span style=\"font-weight: 400;\">En plus du taux d\u2019int\u00e9r\u00eat, le TAEG peut inclure certains frais associ\u00e9s au pr\u00eat.<\/span><\/p><p><span style=\"font-weight: 400;\">En r\u00e9sum\u00e9 :<\/span><\/p><p><span style=\"font-weight: 400;\">Taux d\u2019int\u00e9r\u00eat = co\u00fbt d\u2019emprunt du capital<\/span><\/p><p><span style=\"font-weight: 400;\">TAEG = co\u00fbt total annuel du pr\u00eat incluant certains frais<\/span><\/p><p><span style=\"font-weight: 400;\">Votre taux d\u2019int\u00e9r\u00eat et votre TAEG seront indiqu\u00e9s clairement dans votre contrat de pr\u00eat avant la signature.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce qu\\u2019un pr\\u00eat personnel non garanti?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un pr\\u00eat personnel non garanti est un type de pr\\u00eat qui ne n\\u00e9cessite aucun bien en garantie, comme une voiture ou une maison.L\\u2019approbation est bas\\u00e9e sur plusieurs facteurs, notamment votre revenu, vos obligations financi\\u00e8res actuelles et votre profil de cr\\u00e9dit global, plut\\u00f4t que sur un actif mis en garantie.Une fois approuv\\u00e9, vous recevez un montant forfaitaire qui est rembours\\u00e9 par paiements planifi\\u00e9s sur une dur\\u00e9e d\\u00e9termin\\u00e9e.Comme aucune garantie n\\u2019est requise, les pr\\u00eats personnels non garantis sont souvent utilis\\u00e9s pour :consolider des dettescouvrir des d\\u00e9penses impr\\u00e9vuesfinancer des achats importants\"}},{\"@type\":\"Question\",\"name\":\"Comment fonctionne un pr\\u00eat personnel chez Spring Financial?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Spring Financial offre des pr\\u00eats personnels non garantis au Canada que vous pouvez demander enti\\u00e8rement en ligne.Le processus de demande est simple et rapide. Toutes les \\u00e9tapes \\u2014 de la demande \\u00e0 la signature des documents \\u2014 peuvent \\u00eatre compl\\u00e9t\\u00e9es de fa\\u00e7on num\\u00e9rique.Les montants de pr\\u00eat varient de 500 $ \\u00e0 35 000 $, avec des dur\\u00e9es de remboursement de 6 \\u00e0 84 mois.Une fois approuv\\u00e9, vous pouvez consulter et signer vos documents imm\\u00e9diatement. Les fonds sont g\\u00e9n\\u00e9ralement envoy\\u00e9s peu apr\\u00e8s.Nos pr\\u00eats sont des pr\\u00eats ouverts, ce qui signifie que vous pouvez rembourser votre solde plus t\\u00f4t en tout temps, sans frais ni p\\u00e9nalit\\u00e9.Les fonds peuvent \\u00eatre utilis\\u00e9s pour presque n\\u2019importe quel besoin, par exemple :consolidation de dettesd\\u00e9penses d\\u2019urgenceachats importants\"}},{\"@type\":\"Question\",\"name\":\"\\u00c0 quoi peut servir un pr\\u00eat personnel?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un pr\\u00eat personnel peut servir \\u00e0 financer plusieurs types de d\\u00e9penses selon vos besoins.Voici quelques utilisations courantes :consolidation de dettes (par exemple rembourser des dettes \\u00e0 taux \\u00e9lev\\u00e9)achat ou r\\u00e9paration de v\\u00e9hiculed\\u00e9penses m\\u00e9dicales ou dentaires\\u00e9v\\u00e9nements importants (mariage, voyage, etc.)achats majeursd\\u00e9penses impr\\u00e9vuesLes pr\\u00eats personnels offrent un montant forfaitaire pouvant \\u00eatre utilis\\u00e9 pour presque n\\u2019importe quelle d\\u00e9pense, tant que cela respecte votre contrat de pr\\u00eat.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je utiliser un pr\\u00eat personnel pour rembourser mes cartes de cr\\u00e9dit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Un pr\\u00eat personnel peut servir \\u00e0 rembourser des cartes de cr\\u00e9dit. On appelle cela la consolidation de dettes.En utilisant un pr\\u00eat personnel pour regrouper des soldes de cartes de cr\\u00e9dit \\u00e0 taux \\u00e9lev\\u00e9, vous pouvez transformer plusieurs paiements en un seul pr\\u00eat avec des paiements fixes.Cela peut rendre vos paiements plus simples \\u00e0 g\\u00e9rer et plus faciles \\u00e0 suivre.Selon le taux d\\u2019int\\u00e9r\\u00eat et les modalit\\u00e9s qui vous sont accord\\u00e9s, la consolidation peut \\u00e9galement r\\u00e9duire le co\\u00fbt global de votre dette.Avant de proc\\u00e9der, assurez-vous que le plan de remboursement correspond bien \\u00e0 votre situation financi\\u00e8re.\"}},{\"@type\":\"Question\",\"name\":\"Comment consolider des dettes avec un pr\\u00eat personnel?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour consolider vos dettes avec un pr\\u00eat personnel, vous utilisez les fonds du pr\\u00eat pour rembourser plusieurs dettes existantes et les regrouper en un seul nouveau pr\\u00eat.Une fois approuv\\u00e9, vous recevez un montant forfaitaire que vous pouvez utiliser pour rembourser des dettes \\u00e0 taux \\u00e9lev\\u00e9 comme :cartes de cr\\u00e9ditautres dettes non garantiesVous remboursez ensuite le pr\\u00eat personnel par paiements fixes selon la dur\\u00e9e convenue.La consolidation peut simplifier vos finances en r\\u00e9duisant le nombre de paiements \\u00e0 g\\u00e9rer chaque mois.Selon votre situation, elle peut aussi r\\u00e9duire vos co\\u00fbts d\\u2019int\\u00e9r\\u00eat globaux.La meilleure fa\\u00e7on de savoir si cette option vous convient est de remplir une demande en ligne afin que notre \\u00e9quipe puisse examiner votre dossier.\"}},{\"@type\":\"Question\",\"name\":\"Quel montant puis-je obtenir avec un pr\\u00eat personnel?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Spring Financial offre des pr\\u00eats personnels non garantis allant de 500 $ \\u00e0 35 000 $.Le montant auquel vous pourriez \\u00eatre admissible d\\u00e9pend notamment de :votre revenuvos obligations financi\\u00e8res actuellesvotre profil de cr\\u00e9ditvotre capacit\\u00e9 de remboursement globale\\u00a0Chaque demande est \\u00e9valu\\u00e9e individuellement afin de d\\u00e9terminer le montant de pr\\u00eat et le taux d\\u2019int\\u00e9r\\u00eat disponibles.Pour savoir exactement combien vous pourriez emprunter, vous pouvez remplir une demande en ligne.\"}},{\"@type\":\"Question\",\"name\":\"Quels sont vos taux d\\u2019int\\u00e9r\\u00eat pour les pr\\u00eats personnels?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les taux d\\u2019int\\u00e9r\\u00eat des pr\\u00eats personnels de Spring Financial varient actuellement entre 9,99 % et 34,95 %, selon votre demande.Les taux annuels effectifs globaux (TAEG) varient de 9,99 % \\u00e0 35,00 %, avec des dur\\u00e9es de remboursement de 6 \\u00e0 84 mois.Le taux pr\\u00e9cis d\\u00e9pend de plusieurs facteurs, notamment :votre profil de cr\\u00e9ditvotre revenu et votre stabilit\\u00e9 financi\\u00e8revos dettes actuellesChaque demande est \\u00e9valu\\u00e9e individuellement.Votre taux d\\u2019int\\u00e9r\\u00eat et votre TAEG seront clairement indiqu\\u00e9s dans votre contrat de pr\\u00eat avant la signature.\"}},{\"@type\":\"Question\",\"name\":\"Mon taux d\\u2019int\\u00e9r\\u00eat est-il fixe ou variable?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les pr\\u00eats personnels de Spring Financial ont un taux d\\u2019int\\u00e9r\\u00eat fixe.Cela signifie que votre taux est \\u00e9tabli au moment de l\\u2019approbation et ne changera pas pendant la dur\\u00e9e du pr\\u00eat.Vos paiements resteront donc constants, ce qui facilite la gestion de votre budget.Tous les d\\u00e9tails du pr\\u00eat \\u2014 y compris :le taux d\\u2019int\\u00e9r\\u00eatle montant des paiementsl\\u2019\\u00e9ch\\u00e9ancier de remboursementseront indiqu\\u00e9s clairement dans votre contrat avant la signature.\"}},{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce que le TAEG et quelle est la diff\\u00e9rence avec le taux d\\u2019int\\u00e9r\\u00eat?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le taux d\\u2019int\\u00e9r\\u00eat repr\\u00e9sente le co\\u00fbt d\\u2019emprunt du montant du pr\\u00eat.Le taux annuel effectif global (TAEG) repr\\u00e9sente le co\\u00fbt total du pr\\u00eat sur une base annuelle.En plus du taux d\\u2019int\\u00e9r\\u00eat, le TAEG peut inclure certains frais associ\\u00e9s au pr\\u00eat.En r\\u00e9sum\\u00e9 :Taux d\\u2019int\\u00e9r\\u00eat = co\\u00fbt d\\u2019emprunt du capitalTAEG = co\\u00fbt total annuel du pr\\u00eat incluant certains fraisVotre taux d\\u2019int\\u00e9r\\u00eat et votre TAEG seront indiqu\\u00e9s clairement dans votre contrat de pr\\u00eat avant la signature.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-935eb84 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"935eb84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3d6ca362 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3d6ca362\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f90143f elementor-widget elementor-widget-heading\" data-id=\"f90143f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Admissibilit\u00e9 et exigences de cr\u00e9dit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e783a42 elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"7e783a42\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2120\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2120\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Quelles sont les conditions pour obtenir un pr\u00eat personnel? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2120\" class=\"elementor-element elementor-element-3b21008a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3b21008a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3876ab05 elementor-widget elementor-widget-text-editor\" data-id=\"3876ab05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pour faire une demande de pr\u00eat personnel au Canada avec Spring Financial, vous devez :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">avoir l\u2019\u00e2ge de la majorit\u00e9 dans votre province ou territoire<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">avoir une pi\u00e8ce d\u2019identit\u00e9 gouvernementale valide<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">avoir un compte bancaire canadien actif<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">avoir une source de revenu stable<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Apr\u00e8s avoir soumis votre demande en ligne, un membre de notre \u00e9quipe pourrait communiquer avec vous pour compl\u00e9ter votre dossier.<\/span><\/p><p><span style=\"font-weight: 400;\">Chaque demande est \u00e9valu\u00e9e individuellement selon votre situation financi\u00e8re globale.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2121\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2121\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je obtenir un pr\u00eat personnel avec un mauvais cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2121\" class=\"elementor-element elementor-element-27eee1e4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"27eee1e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-498fae25 elementor-widget elementor-widget-text-editor\" data-id=\"498fae25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui, il peut \u00eatre possible d\u2019obtenir un pr\u00eat personnel m\u00eame si votre cr\u00e9dit n\u2019est pas parfait.<\/span><\/p><p><span style=\"font-weight: 400;\">Bien que votre historique de cr\u00e9dit soit pris en compte, il ne s\u2019agit pas du seul facteur.<\/span><\/p><p><span style=\"font-weight: 400;\">Nous examinons \u00e9galement :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre revenu<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vos obligations financi\u00e8res<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre capacit\u00e9 \u00e0 effectuer les paiements<\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Chaque demande est \u00e9valu\u00e9e individuellement.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2122\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2122\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Combien puis-je emprunter avec un mauvais cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2122\" class=\"elementor-element elementor-element-7b901e02 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7b901e02\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d8ee619 elementor-widget elementor-widget-text-editor\" data-id=\"6d8ee619\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les pr\u00eats personnels de Spring Financial varient de 500 $ \u00e0 35 000 $. Le montant auquel vous pourriez \u00eatre admissible d\u00e9pend de votre situation financi\u00e8re globale \u2014 et pas seulement de votre historique de cr\u00e9dit.<\/span><\/p><p><span style=\"font-weight: 400;\">Lors de l\u2019analyse de votre demande de pr\u00eat, nous prenons en compte plusieurs facteurs, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Votre revenu<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vos obligations financi\u00e8res actuelles<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Votre historique de remboursement<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Votre capacit\u00e9 \u00e0 g\u00e9rer des paiements r\u00e9guliers<\/span><\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Les demandeurs ayant une cote de cr\u00e9dit plus faible pourraient \u00eatre admissibles \u00e0 des montants de pr\u00eat ou \u00e0 des taux d\u2019int\u00e9r\u00eat diff\u00e9rents de ceux ayant un profil de cr\u00e9dit plus solide. Chaque demande est \u00e9valu\u00e9e individuellement afin de d\u00e9terminer le montant et les modalit\u00e9s de pr\u00eat disponibles.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour savoir combien vous pourriez emprunter, <span style=\"text-decoration: underline;\"><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\">remplissez une demande en ligne<\/a><\/span> et faites analyser votre dossier par notre \u00e9quipe.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2123\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2123\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Quel pointage de cr\u00e9dit minimum est requis? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2123\" class=\"elementor-element elementor-element-13c07138 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"13c07138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7090d29c elementor-widget elementor-widget-text-editor\" data-id=\"7090d29c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Il n\u2019y a <\/span><b>pas de pointage de cr\u00e9dit minimum unique<\/b><span style=\"font-weight: 400;\"> pour faire une demande de pr\u00eat personnel chez Spring Financial.<\/span><\/p><p><span style=\"font-weight: 400;\">Votre dossier est \u00e9valu\u00e9 selon plusieurs facteurs financiers.<\/span><\/p><p><span style=\"font-weight: 400;\">Le montant du pr\u00eat, le taux d\u2019int\u00e9r\u00eat et les modalit\u00e9s d\u00e9pendent de votre profil financier global.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2124\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2124\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Est-ce que ma cote de cr\u00e9dit influence ma demande? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2124\" class=\"elementor-element elementor-element-594e379f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"594e379f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34e7219c elementor-widget elementor-widget-text-editor\" data-id=\"34e7219c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui, votre profil de cr\u00e9dit fait partie des \u00e9l\u00e9ments \u00e9valu\u00e9s lors de l\u2019analyse de votre demande.<\/span><\/p><p><span style=\"font-weight: 400;\">Cependant, nous examinons \u00e9galement :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre revenu<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre situation financi\u00e8re globale<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">d\u2019autres renseignements pertinents<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Chaque demande est \u00e9valu\u00e9e individuellement.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2125\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2125\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je obtenir un pr\u00eat sans v\u00e9rification de cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2125\" class=\"elementor-element elementor-element-785768fe e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"785768fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35423d93 elementor-widget elementor-widget-text-editor\" data-id=\"35423d93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les pr\u00eateurs l\u00e9gitimes au Canada doivent g\u00e9n\u00e9ralement consulter votre dossier de cr\u00e9dit dans le cadre du processus de demande.<\/span><\/p><p><span style=\"font-weight: 400;\">Cette v\u00e9rification permet d\u2019\u00e9valuer le risque et de d\u00e9terminer les modalit\u00e9s appropri\u00e9es du pr\u00eat.<\/span><\/p><p><span style=\"font-weight: 400;\">Chez Spring Financial, votre dossier de cr\u00e9dit peut \u00eatre examin\u00e9 en plus d\u2019autres facteurs financiers.Si vous ne savez pas si vous \u00eates admissible, remplir une <\/span><span style=\"text-decoration: underline;\"><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><b>demande en ligne<\/b><\/a><\/span><span style=\"font-weight: 400;\"> permet \u00e0 notre \u00e9quipe d\u2019examiner votre situation et de d\u00e9terminer les options qui pourraient s\u2019offrir \u00e0 vous.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2126\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2126\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je obtenir un pr\u00eat personnel sans v\u00e9rification de cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2126\" class=\"elementor-element elementor-element-2d688f0c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2d688f0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41f1b58a elementor-widget elementor-widget-text-editor\" data-id=\"41f1b58a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les pr\u00eateurs l\u00e9gitimes au Canada effectuent g\u00e9n\u00e9ralement une v\u00e9rification de cr\u00e9dit dans le cadre du processus de demande de pr\u00eat.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Obtenir un pr\u00eat personnel sans v\u00e9rification de cr\u00e9dit est rare aupr\u00e8s des pr\u00eateurs r\u00e9glement\u00e9s, puisque l\u2019analyse du dossier de cr\u00e9dit permet d\u2019\u00e9valuer le risque et de d\u00e9terminer des modalit\u00e9s de pr\u00eat appropri\u00e9es. La v\u00e9rification de cr\u00e9dit sert notamment \u00e0 examiner l\u2019historique de remboursement et les dettes existantes.<\/span><\/p><p><span style=\"font-weight: 400;\">Chez Spring Financial, votre profil de cr\u00e9dit peut \u00eatre \u00e9valu\u00e9 en combinaison avec d\u2019autres facteurs, comme votre revenu et votre stabilit\u00e9 financi\u00e8re, lors de l\u2019analyse de votre demande. L\u2019historique de cr\u00e9dit ne repr\u00e9sente qu\u2019un \u00e9l\u00e9ment parmi d\u2019autres dans l\u2019\u00e9valuation globale.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous ne savez pas si vous \u00eates admissible, <span style=\"text-decoration: underline;\"><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\">remplir une demande en ligne<\/a><\/span> permet \u00e0 notre \u00e9quipe d\u2019examiner votre situation et de d\u00e9terminer les options qui pourraient s\u2019offrir \u00e0 vous.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2127\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2127\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Existe-t-il des pr\u00eats personnels avec approbation garantie? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2127\" class=\"elementor-element elementor-element-20b3d32c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"20b3d32c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed60d7d elementor-widget elementor-widget-text-editor\" data-id=\"3ed60d7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Aucun pr\u00eateur l\u00e9gitime ne peut garantir l\u2019approbation d\u2019un pr\u00eat personnel sans examiner votre demande.<\/span><\/p><p><span style=\"font-weight: 400;\">Au Canada, tous les pr\u00eateurs doivent \u00e9valuer certains facteurs comme le revenu, les dettes existantes et l\u2019historique de cr\u00e9dit avant d\u2019approuver un pr\u00eat. Les publicit\u00e9s qui mentionnent des \u00ab pr\u00eats personnels avec approbation garantie \u00bb utilisent g\u00e9n\u00e9ralement un langage marketing et ne constituent pas une garantie r\u00e9elle.<\/span><\/p><p><span style=\"font-weight: 400;\">Chez Spring Financial, chaque demande de pr\u00eat est examin\u00e9e individuellement. Bien que nous travaillions avec des demandeurs ayant diff\u00e9rents profils de cr\u00e9dit, l\u2019approbation et les conditions du pr\u00eat d\u00e9pendent de votre situation financi\u00e8re globale et de votre capacit\u00e9 \u00e0 effectuer des paiements r\u00e9guliers.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous ne savez pas si vous \u00eates admissible, la meilleure chose \u00e0 faire est de <\/span><span style=\"text-decoration: underline;\"><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><b>remplir une demande en ligne<\/b><\/a><\/span><span style=\"font-weight: 400;\"> afin que votre dossier puisse \u00eatre examin\u00e9.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2128\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2128\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Est-ce que Spring effectue une v\u00e9rification de cr\u00e9dit souple ou stricte? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2128\" class=\"elementor-element elementor-element-1b9b4d0b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1b9b4d0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e0618cb elementor-widget elementor-widget-text-editor\" data-id=\"4e0618cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lorsque vous soumettez votre demande initiale, nous utilisons une <\/span><b>v\u00e9rification de cr\u00e9dit souple<\/b><span style=\"font-weight: 400;\"> pour examiner votre dossier. Une v\u00e9rification souple n\u2019affecte pas votre cote de cr\u00e9dit.<\/span><\/p><p><span style=\"font-weight: 400;\">Dans certains cas, apr\u00e8s l\u2019analyse initiale de votre demande, nous pouvons devoir effectuer une <\/span><b>v\u00e9rification de cr\u00e9dit stricte<\/b><span style=\"font-weight: 400;\"> dans le cadre des v\u00e9rifications finales d\u2019admissibilit\u00e9. Si une v\u00e9rification stricte est n\u00e9cessaire, nous vous en informerons et demanderons votre consentement avant de proc\u00e9der.<\/span><\/p><p><span style=\"font-weight: 400;\">Les conditions de votre pr\u00eat approuv\u00e9 (y compris le taux d\u2019int\u00e9r\u00eat et les d\u00e9tails de remboursement) seront clairement indiqu\u00e9es avant que vous signiez votre contrat de pr\u00eat.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2129\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2129\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je obtenir un pr\u00eat personnel si je suis travailleur autonome? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2129\" class=\"elementor-element elementor-element-347ac54b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"347ac54b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c0382fb elementor-widget elementor-widget-text-editor\" data-id=\"7c0382fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui, vous pouvez tout de m\u00eame faire une demande de pr\u00eat personnel si vous \u00eates travailleur autonome.<\/span><\/p><p><span style=\"font-weight: 400;\">Lors de l\u2019examen de votre demande, nous \u00e9valuons votre situation financi\u00e8re globale, notamment votre revenu, vos obligations financi\u00e8res et votre capacit\u00e9 \u00e0 effectuer les paiements pr\u00e9vus. Le fait d\u2019\u00eatre travailleur autonome ne vous disqualifie pas automatiquement.<\/span><\/p><p><span style=\"font-weight: 400;\">La plupart des pr\u00eateurs exigent que vous ayez <\/span><b>produit votre d\u00e9claration de revenus pour l\u2019ann\u00e9e pr\u00e9c\u00e9dente<\/b><span style=\"font-weight: 400;\"> afin de v\u00e9rifier votre revenu. Dans certains cas, des documents suppl\u00e9mentaires peuvent \u00eatre demand\u00e9s, par exemple :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">relev\u00e9s bancaires<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">preuve de revenu<\/span><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Chaque demande est \u00e9valu\u00e9e individuellement. La meilleure fa\u00e7on de savoir \u00e0 quoi vous pourriez \u00eatre admissible est de <\/span><span style=\"text-decoration: underline;\"><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><b>remplir une demande en ligne<\/b><\/a><\/span><span style=\"font-weight: 400;\"> afin que notre \u00e9quipe puisse examiner votre dossier.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-21210\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-21210\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je obtenir un pr\u00eat personnel si mon revenu provient de l\u2019AE, du RPC, de la SV ou de prestations gouvernementales? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-21210\" class=\"elementor-element elementor-element-35e849d5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"35e849d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17fa2574 elementor-widget elementor-widget-text-editor\" data-id=\"17fa2574\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui, nous examinons les demandes de personnes dont le revenu provient de sources telles que :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9gime de pensions du Canada (RPC)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u00e9curit\u00e9 de la vieillesse (SV)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">prestations d\u2019invalidit\u00e9<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pensions<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">certains types d\u2019assurance-emploi (AE)<\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">L\u2019admissibilit\u00e9 d\u00e9pend de votre situation financi\u00e8re globale, notamment du type et de la stabilit\u00e9 de votre revenu, de vos obligations financi\u00e8res actuelles et du produit demand\u00e9. Certaines formes d\u2019assurance-emploi peuvent \u00eatre admissibles selon les circonstances.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous ne savez pas si votre revenu est admissible, la meilleure fa\u00e7on de le savoir est de <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>remplir une demande en ligne<\/b><\/span><\/a><span style=\"font-weight: 400;\">. Notre \u00e9quipe examinera votre dossier et vous indiquera quelles options pourraient \u00eatre disponibles.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-21211\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-21211\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je \u00eatre admissible \u00e0 un pr\u00eat personnel si je suis en proposition de consommateur ou en faillite? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-21211\" class=\"elementor-element elementor-element-3aad8b41 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3aad8b41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-305366bf elementor-widget elementor-widget-text-editor\" data-id=\"305366bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Nous comprenons que des difficult\u00e9s financi\u00e8res peuvent survenir. Le fait d\u2019avoir une proposition de consommateur ou une faillite \u00e0 votre dossier ne vous emp\u00eache pas automatiquement de faire une demande.<\/span><\/p><p><span style=\"font-weight: 400;\">Spring Financial examine les demandes de personnes qui sont :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">actuellement en proposition de consommateur<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">actuellement en faillite<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">r\u00e9cemment lib\u00e9r\u00e9es d\u2019une proposition de consommateur ou d\u2019une faillite<\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">L\u2019admissibilit\u00e9 d\u00e9pendra de votre situation financi\u00e8re globale, notamment de votre revenu et d\u2019autres facteurs. Chaque demande est \u00e9valu\u00e9e individuellement.<\/span><\/p><p><span style=\"font-weight: 400;\">La meilleure fa\u00e7on de savoir quelles options pourraient \u00eatre offertes est de <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>remplir une demande en ligne<\/b><span style=\"font-weight: 400;\">.<\/span><\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-21212\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"13\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-21212\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je obtenir un pr\u00eat apr\u00e8s une faillite? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-21212\" class=\"elementor-element elementor-element-74a5d4f0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"74a5d4f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c0e799f elementor-widget elementor-widget-text-editor\" data-id=\"2c0e799f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui, vous pouvez faire une demande de pr\u00eat personnel apr\u00e8s une faillite, y compris si vous avez r\u00e9cemment \u00e9t\u00e9 lib\u00e9r\u00e9 de votre faillite.<\/span><\/p><p><span style=\"font-weight: 400;\">Une faillite pass\u00e9e fait partie de votre historique financier, mais elle ne vous emp\u00eache pas automatiquement de faire une demande. Lors de l\u2019\u00e9valuation de votre dossier, nous examinons votre situation financi\u00e8re actuelle, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre revenu<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vos obligations financi\u00e8res actuelles<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">la fa\u00e7on dont vous avez g\u00e9r\u00e9 vos finances depuis la faillite<\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Comme une faillite est un \u00e9v\u00e9nement financier important, l\u2019admissibilit\u00e9 et les conditions du pr\u00eat peuvent varier selon la date de la faillite et votre profil financier global.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous souhaitez aller de l\u2019avant apr\u00e8s une faillite, remplir une demande permet \u00e0 notre \u00e9quipe d\u2019examiner votre dossier et de d\u00e9terminer quelles options pourraient \u00eatre disponibles.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-21213\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"14\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-21213\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Ai-je besoin d\u2019un cosignataire ou d\u2019un garant? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-21213\" class=\"elementor-element elementor-element-47ff185e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"47ff185e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b792c11 elementor-widget elementor-widget-text-editor\" data-id=\"6b792c11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Non, un cosignataire ou un garant n\u2019est pas requis pour faire une demande de pr\u00eat personnel avec Spring Financial.<\/span><\/p><p><span style=\"font-weight: 400;\">Cependant, dans certains cas, ajouter un cosignataire peut soutenir votre demande. Un cosignataire accepte de partager la responsabilit\u00e9 du pr\u00eat, ce qui peut offrir une s\u00e9curit\u00e9 suppl\u00e9mentaire lors de l\u2019\u00e9valuation du dossier.<\/span><\/p><p><span style=\"font-weight: 400;\">Chaque demande est \u00e9valu\u00e9e individuellement. Si vous envisagez de faire une demande avec un cosignataire, notre \u00e9quipe pourra vous indiquer quelles informations seront n\u00e9cessaires.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-21214\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"15\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-21214\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Offrez-vous des pr\u00eats dans toutes les provinces et tous les territoires? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-21214\" class=\"elementor-element elementor-element-32b10634 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"32b10634\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ba71c71 elementor-widget elementor-widget-text-editor\" data-id=\"1ba71c71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Spring Financial offre des pr\u00eats personnels aux demandeurs admissibles <\/span><b>partout au Canada<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour faire une demande, vous devez avoir atteint l\u2019\u00e2ge de la majorit\u00e9 dans votre province ou territoire et r\u00e9pondre \u00e0 nos crit\u00e8res d\u2019admissibilit\u00e9 standards.<\/span><\/p><p><span style=\"font-weight: 400;\">Chaque demande est \u00e9valu\u00e9e individuellement afin de d\u00e9terminer l\u2019approbation et les conditions offertes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7718d9e6 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7718d9e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-854de00 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"854de00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-698b137e elementor-widget elementor-widget-heading\" data-id=\"698b137e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Demande et processus d\u2019approbation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f1034a8 elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"6f1034a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1860\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1860\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Combien de temps prend le processus de pr\u00eat personnel? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1860\" class=\"elementor-element elementor-element-7cd835af e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7cd835af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58a8858a elementor-widget elementor-widget-text-editor\" data-id=\"58a8858a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le processus de pr\u00eat personnel peut \u00eatre rapide, mais le d\u00e9lai exact d\u00e9pend de votre demande et des documents fournis.<\/span><\/p><p><span style=\"font-weight: 400;\">Apr\u00e8s avoir soumis votre demande en ligne, un membre de notre \u00e9quipe pourrait communiquer avec vous pour examiner votre dossier. Dans plusieurs cas, l\u2019analyse et l\u2019approbation peuvent \u00eatre compl\u00e9t\u00e9es <\/span><b>le jour m\u00eame<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Une fois approuv\u00e9, vous pouvez signer vos documents imm\u00e9diatement.<\/span><\/p><p><span style=\"font-weight: 400;\">Si tous les documents requis sont complets et v\u00e9rifi\u00e9s, les fonds peuvent \u00eatre envoy\u00e9s <\/span><b>le jour m\u00eame<\/b><span style=\"font-weight: 400;\">. Dans la plupart des cas, les fonds sont re\u00e7us <\/span><b>dans un d\u00e9lai de 1 \u00e0 2 jours ouvrables<\/b><span style=\"font-weight: 400;\"> apr\u00e8s la signature des documents.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour \u00e9viter les retards, assurez-vous que votre demande est compl\u00e8te et que tous les documents demand\u00e9s sont fournis rapidement, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pi\u00e8ce d\u2019identit\u00e9 valide<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">informations bancaires<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">preuve de revenu<\/span><\/li><\/ul><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1861\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1861\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Combien de temps prend l\u2019approbation? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1861\" class=\"elementor-element elementor-element-7e96b2cf e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7e96b2cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4529c360 elementor-widget elementor-widget-text-editor\" data-id=\"4529c360\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les d\u00e9lais d\u2019approbation peuvent varier selon votre demande et les renseignements fournis.<\/span><\/p><p><span style=\"font-weight: 400;\">Dans de nombreux cas, les demandes sont examin\u00e9es peu apr\u00e8s leur soumission et les demandeurs peuvent recevoir une r\u00e9ponse <\/span><b>le jour m\u00eame<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Cependant, si une v\u00e9rification suppl\u00e9mentaire ou des documents additionnels sont requis, le processus peut prendre plus de temps.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour acc\u00e9l\u00e9rer l\u2019approbation, assurez-vous que votre demande est remplie correctement et que tous les documents demand\u00e9s sont transmis rapidement.<\/span><\/p><p><span style=\"font-weight: 400;\">Une fois la d\u00e9cision prise, vous serez contact\u00e9 avec le r\u00e9sultat et les prochaines \u00e9tapes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1862\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1862\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Quand saurai-je si mon pr\u00eat est approuv\u00e9? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1862\" class=\"elementor-element elementor-element-f7a6557 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"f7a6557\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66e2578c elementor-widget elementor-widget-text-editor\" data-id=\"66e2578c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">De nombreux demandeurs re\u00e7oivent une mise \u00e0 jour peu apr\u00e8s avoir soumis leur demande.<\/span><\/p><p><span style=\"font-weight: 400;\">Dans certains cas, l\u2019analyse peut prendre plus de temps, notamment si des v\u00e9rifications suppl\u00e9mentaires sont n\u00e9cessaires.<\/span><\/p><p><span style=\"font-weight: 400;\">Apr\u00e8s avoir soumis votre demande, gardez votre t\u00e9l\u00e9phone \u00e0 proximit\u00e9. Un membre de notre \u00e9quipe pourrait communiquer avec vous pour v\u00e9rifier certaines informations ou demander des documents suppl\u00e9mentaires.<\/span><\/p><p><span style=\"font-weight: 400;\">Avoir vos documents pr\u00eats \u2014 notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pi\u00e8ce d\u2019identit\u00e9 valide<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">informations bancaires<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">preuve de revenu<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">peut aider \u00e0 acc\u00e9l\u00e9rer le processus.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1863\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1863\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Comment vais-je recevoir les fonds de mon pr\u00eat? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1863\" class=\"elementor-element elementor-element-6712057f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6712057f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1850b15a elementor-widget elementor-widget-text-editor\" data-id=\"1850b15a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Une fois votre pr\u00eat approuv\u00e9 et vos documents sign\u00e9s, les fonds sont envoy\u00e9s directement dans votre compte bancaire par <\/span><b>virement \u00e9lectronique de fonds (EFT)<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Si tous les documents sont complets et v\u00e9rifi\u00e9s, les fonds peuvent \u00eatre d\u00e9pos\u00e9s <\/span><b>le jour m\u00eame<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Dans la plupart des cas, les fonds sont re\u00e7us <\/span><b>dans un d\u00e9lai de 1 \u00e0 3 jours ouvrables<\/b><span style=\"font-weight: 400;\">, selon les d\u00e9lais de traitement de votre institution financi\u00e8re.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1864\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1864\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Y a-t-il des frais cach\u00e9s ou des frais pour faire une demande? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1864\" class=\"elementor-element elementor-element-4a426fe2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4a426fe2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36bb6788 elementor-widget elementor-widget-text-editor\" data-id=\"36bb6788\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Non. Il n\u2019y a <\/span><b>aucun frais cach\u00e9 ni frais initiaux<\/b><span style=\"font-weight: 400;\"> pour soumettre une demande.<\/span><\/p><p><span style=\"font-weight: 400;\">Faire une demande est enti\u00e8rement gratuit.<\/span><\/p><p><span style=\"font-weight: 400;\">Tous les co\u00fbts li\u00e9s \u00e0 un pr\u00eat \u2014 comme les int\u00e9r\u00eats ou les produits optionnels \u2014 sont clairement indiqu\u00e9s avant que vous acceptiez d\u2019aller de l\u2019avant et figurent dans votre contrat de pr\u00eat.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1865\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1865\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Comment le revenu est-il v\u00e9rifi\u00e9 pour un pr\u00eat personnel? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1865\" class=\"elementor-element elementor-element-5b77a758 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5b77a758\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13c8d08f elementor-widget elementor-widget-text-editor\" data-id=\"13c8d08f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Dans le cadre du processus de demande de pr\u00eat, nous v\u00e9rifions votre revenu afin d\u2019\u00e9valuer votre admissibilit\u00e9 et de d\u00e9terminer les modalit\u00e9s appropri\u00e9es du pr\u00eat.<\/span><\/p><p><span style=\"font-weight: 400;\">Dans la plupart des cas, le revenu est v\u00e9rifi\u00e9 \u00e0 l\u2019aide d\u2019un <\/span><b>syst\u00e8me s\u00e9curis\u00e9 de v\u00e9rification bancaire en ligne<\/b><span style=\"font-weight: 400;\"> qui se connecte directement \u00e0 votre institution financi\u00e8re. Ce syst\u00e8me utilise un chiffrement et des protocoles de s\u00e9curit\u00e9 de niveau bancaire pour transmettre vos renseignements de fa\u00e7on s\u00e9curis\u00e9e. Vos identifiants bancaires ne sont pas conserv\u00e9s par Spring Financial.<\/span><\/p><p><span style=\"font-weight: 400;\">Si la v\u00e9rification en ligne n\u2019est pas disponible ou ne peut pas \u00eatre compl\u00e9t\u00e9e, nous pouvons demander des documents suppl\u00e9mentaires, tels que :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">relev\u00e9s bancaires r\u00e9cents<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">talons de paie<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">autre preuve de revenu<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Toutes les informations sont examin\u00e9es dans le cadre de notre processus d\u2019analyse et sont utilis\u00e9es uniquement pour \u00e9valuer et administrer votre pr\u00eat.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1866\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1866\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Pourquoi avez-vous besoin de mon relev\u00e9 bancaire? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1866\" class=\"elementor-element elementor-element-1979997 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1979997\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c60a676 elementor-widget elementor-widget-text-editor\" data-id=\"6c60a676\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Nous demandons un relev\u00e9 bancaire r\u00e9cent dans le cadre de notre processus d\u2019\u00e9valuation afin de v\u00e9rifier votre revenu et de confirmer le compte bancaire o\u00f9 :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">les fonds de votre pr\u00eat seront d\u00e9pos\u00e9s<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vos paiements de pr\u00eat seront pr\u00e9lev\u00e9s<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Votre relev\u00e9 nous aide \u00e0 :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">confirmer la source et la r\u00e9gularit\u00e9 de votre revenu<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">examiner votre activit\u00e9 financi\u00e8re dans le cadre de l\u2019analyse du dossier<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">v\u00e9rifier les renseignements bancaires n\u00e9cessaires pour les d\u00e9p\u00f4ts et les paiements pr\u00e9autoris\u00e9s<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Vous pouvez transmettre votre relev\u00e9 de fa\u00e7on s\u00e9curis\u00e9e \u00e0 l\u2019aide de notre outil de v\u00e9rification bancaire en ligne, qui utilise un chiffrement et des protocoles de s\u00e9curit\u00e9 de niveau bancaire.<\/span><\/p><p><span style=\"font-weight: 400;\">Cet outil nous permet d\u2019obtenir les informations n\u00e9cessaires pour traiter votre demande et configurer vos paiements, mais <\/span><b>il ne nous permet pas d\u2019acc\u00e9der \u00e0 votre compte ni de le contr\u00f4ler<\/b><span style=\"font-weight: 400;\">, sauf pour les d\u00e9p\u00f4ts et les retraits autoris\u00e9s que vous acceptez.<\/span><\/p><p><span style=\"font-weight: 400;\">Vos renseignements financiers sont trait\u00e9s de mani\u00e8re s\u00e9curis\u00e9e et utilis\u00e9s uniquement pour l\u2019\u00e9valuation et l\u2019administration de votre pr\u00eat.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1867\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1867\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Pourquoi pourrait-on me demander des r\u00e9f\u00e9rences? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1867\" class=\"elementor-element elementor-element-7067e4e8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7067e4e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b370416 elementor-widget elementor-widget-text-editor\" data-id=\"3b370416\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Dans certains cas, nous pouvons demander <\/span><b>une r\u00e9f\u00e9rence professionnelle et\/ou personnelle<\/b><span style=\"font-weight: 400;\"> dans le cadre de l\u2019examen de votre demande.<\/span><\/p><p><span style=\"font-weight: 400;\">Les r\u00e9f\u00e9rences nous aident \u00e0 v\u00e9rifier certains renseignements et \u00e0 compl\u00e9ter votre dossier lorsque des confirmations suppl\u00e9mentaires sont n\u00e9cessaires.<\/span><\/p><p><span style=\"font-weight: 400;\">Dans la majorit\u00e9 des cas, les r\u00e9f\u00e9rences personnelles <\/span><b>ne sont pas contact\u00e9es<\/b><span style=\"font-weight: 400;\"> et sont simplement conserv\u00e9es dans votre dossier.<\/span><\/p><p><span style=\"font-weight: 400;\">Si nous devons communiquer avec une r\u00e9f\u00e9rence, il s\u2019agira g\u00e9n\u00e9ralement d\u2019une r\u00e9f\u00e9rence professionnelle pour v\u00e9rification, conform\u00e9ment \u00e0 votre contrat de pr\u00eat et aux r\u00e8glements applicables.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1868\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1868\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Spring Financial est-elle une entreprise l\u00e9gitime? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1868\" class=\"elementor-element elementor-element-3b8bb721 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3b8bb721\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c0a26c8 elementor-widget elementor-widget-text-editor\" data-id=\"4c0a26c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui. Spring Financial est un pr\u00eateur canadien qui exerce ses activit\u00e9s depuis <\/span><b>2014<\/b><span style=\"font-weight: 400;\">. Nous avons aid\u00e9 des centaines de milliers de Canadiens \u00e0 acc\u00e9der \u00e0 des pr\u00eats personnels et \u00e0 d\u2019autres produits financiers.<\/span><\/p><p><span style=\"font-weight: 400;\">Nous sommes une entreprise enregistr\u00e9e au Canada et nous transmettons l\u2019activit\u00e9 des pr\u00eats aux principales agences d\u2019\u00e9valuation du cr\u00e9dit au pays.<\/span><\/p><p><span style=\"font-weight: 400;\">Notre processus de demande est enti\u00e8rement s\u00e9curis\u00e9 et <a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><span style=\"text-decoration: underline;\">compl\u00e9t\u00e9 en ligne<\/span><\/a>, et les fonds sont d\u00e9pos\u00e9s directement dans votre compte bancaire une fois votre pr\u00eat approuv\u00e9.<\/span><\/p><p><span style=\"font-weight: 400;\">Vous pouvez \u00e9galement consulter les avis v\u00e9rifi\u00e9s de nos clients <a href=\"https:\/\/springfinancial-mex.sf-stg.ca\/general-terms-of-service\/\"><span style=\"text-decoration: underline;\">sur notre <\/span><\/a><\/span><span style=\"font-weight: 400;\"><a href=\"_wp_link_placeholder\"><span style=\"text-decoration: underline;\">page d\u2019avis<\/span><\/a> pour en savoir plus sur l\u2019exp\u00e9rience d\u2019autres utilisateurs.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14b09e93 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"14b09e93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7f41e5e8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7f41e5e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f04157e elementor-widget elementor-widget-heading\" data-id=\"5f04157e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Gestion de votre pr\u00eat et paiements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5696b1b2 elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"5696b1b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1450\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1450\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Comment fonctionnent les paiements de mon pr\u00eat? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1450\" class=\"elementor-element elementor-element-14c8a40d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"14c8a40d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-701bcd29 elementor-widget elementor-widget-text-editor\" data-id=\"701bcd29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les paiements de votre pr\u00eat sont d\u00e9termin\u00e9s selon plusieurs facteurs, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">le montant du pr\u00eat<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">le taux d\u2019int\u00e9r\u00eat<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">la dur\u00e9e de remboursement<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">la fr\u00e9quence de paiement choisie<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Les paiements sont effectu\u00e9s \u00e0 intervalles r\u00e9guliers et peuvent \u00eatre configur\u00e9s selon diff\u00e9rentes fr\u00e9quences :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">aux deux semaines<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">deux fois par mois<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mensuellement<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Dans plusieurs cas, l\u2019horaire de paiement peut \u00eatre align\u00e9 avec votre cycle de paie afin de faciliter la gestion de vos finances.<\/span><\/p><p><span style=\"font-weight: 400;\">Le montant exact de vos paiements et l\u2019\u00e9ch\u00e9ancier de remboursement seront clairement indiqu\u00e9s dans votre contrat de pr\u00eat avant la signature.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1451\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1451\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Comment les paiements d\u2019un pr\u00eat personnel sont-ils calcul\u00e9s? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1451\" class=\"elementor-element elementor-element-36737abe e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"36737abe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79f65c30 elementor-widget elementor-widget-text-editor\" data-id=\"79f65c30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le montant de votre paiement d\u00e9pend de plusieurs facteurs, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">le montant que vous empruntez<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre taux d\u2019int\u00e9r\u00eat approuv\u00e9 (TAEG)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">la dur\u00e9e de remboursement choisie<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">tout produit optionnel ajout\u00e9 \u00e0 votre pr\u00eat<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Les paiements sont g\u00e9n\u00e9ralement effectu\u00e9s aux deux semaines ou deux fois par mois et sont calcul\u00e9s afin que votre pr\u00eat soit enti\u00e8rement rembours\u00e9 \u00e0 la fin de la dur\u00e9e choisie.<\/span><\/p><p><span style=\"font-weight: 400;\">Le montant exact de vos paiements sera indiqu\u00e9 clairement dans votre contrat de pr\u00eat avant la signature, afin que vous puissiez consulter le co\u00fbt total et l\u2019\u00e9ch\u00e9ancier complet.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour conna\u00eetre le montant des paiements auxquels vous pourriez \u00eatre admissible, remplissez une <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/personal-loans?_gl=1*iwvgj9*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyODE1MjMkbzg1JGcxJHQxNzc0Mjg1NjcyJGo1OCRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>demande en ligne<\/b><span style=\"font-weight: 400;\">.<\/span><\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1452\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1452\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je rembourser mon pr\u00eat personnel plus t\u00f4t? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1452\" class=\"elementor-element elementor-element-2daf132 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2daf132\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bb4dd84 elementor-widget elementor-widget-text-editor\" data-id=\"3bb4dd84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui. Les pr\u00eats personnels de Spring Financial sont <\/span><b>des pr\u00eats ouverts<\/b><span style=\"font-weight: 400;\">, ce qui signifie que vous pouvez rembourser votre pr\u00eat en tout temps sans p\u00e9nalit\u00e9 de remboursement anticip\u00e9 ni frais suppl\u00e9mentaires.<\/span><\/p><p><span style=\"font-weight: 400;\">Vous pouvez notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">effectuer des paiements suppl\u00e9mentaires sur votre solde<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">payer plus que votre paiement r\u00e9gulier<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">rembourser le solde complet<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Si vous souhaitez effectuer des paiements suppl\u00e9mentaires ou rembourser votre pr\u00eat plus t\u00f4t, vous pouvez contacter notre \u00e9quipe de soutien via le <span style=\"text-decoration: underline;\"><a id=\"open-chat\" href=\"#\">chat en direct.<\/a><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1453\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1453\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je modifier mon \u00e9ch\u00e9ancier ou ma fr\u00e9quence de paiement? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1453\" class=\"elementor-element elementor-element-557bc36a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"557bc36a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c804ae3 elementor-widget elementor-widget-text-editor\" data-id=\"3c804ae3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Vous pouvez faire une demande pour modifier votre \u00e9ch\u00e9ancier ou votre fr\u00e9quence de paiement.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous souhaitez changer votre date de paiement ou passer \u00e0 une autre fr\u00e9quence disponible, notre \u00e9quipe pourra examiner votre compte et vous indiquer quelles modifications sont possibles.<\/span><\/p><p><span style=\"font-weight: 400;\">L\u2019approbation d\u00e9pendra des d\u00e9tails de votre compte et de votre contrat de pr\u00eat.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour commencer, contactez notre \u00e9quipe de soutien via le <a class=\"open-chat-trigger\" href=\"#\">\u00a0<\/a><span style=\"text-decoration: underline;\"><a class=\"open-chat-trigger\" href=\"#\">chat en direct.<\/a><\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1454\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1454\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Que se passe-t-il si je manque un paiement? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1454\" class=\"elementor-element elementor-element-679f04e7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"679f04e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c8c8346 elementor-widget elementor-widget-text-editor\" data-id=\"5c8c8346\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si vous manquez un paiement de pr\u00eat, nous vous encourageons \u00e0 communiquer avec nous d\u00e8s que possible afin que nous puissions examiner votre situation et discuter des options possibles.<\/span><\/p><p><span style=\"font-weight: 400;\">Rester en contact permet de maintenir votre compte en r\u00e8gle et de conserver un bon historique de paiement.<\/span><\/p><p><span style=\"font-weight: 400;\">Si les paiements ne sont pas remis \u00e0 jour, des frais suppl\u00e9mentaires peuvent s\u2019appliquer conform\u00e9ment \u00e0 votre contrat de pr\u00eat et votre historique de cr\u00e9dit pourrait \u00eatre affect\u00e9.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous pr\u00e9voyez avoir de la difficult\u00e9 \u00e0 effectuer un paiement \u00e0 venir, contactez-nous via le <span style=\"text-decoration: underline;\"><a class=\"open-chat-trigger\" href=\"#\">chat en direct<\/a><\/span> <\/span><span style=\"font-weight: 400;\">afin que notre \u00e9quipe puisse vous aider.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1455\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1455\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Les pr\u00eats personnels affectent-ils ma cote de cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1455\" class=\"elementor-element elementor-element-230b2ef0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"230b2ef0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb887b5 elementor-widget elementor-widget-text-editor\" data-id=\"2fb887b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui. Un pr\u00eat personnel fait partie de votre dossier de cr\u00e9dit et peut avoir un impact positif sur votre historique de paiement lorsqu\u2019il est bien g\u00e9r\u00e9.<\/span><\/p><p><span style=\"font-weight: 400;\">Lorsque vous effectuez vos paiements <\/span><b>\u00e0 temps et en totalit\u00e9<\/b><span style=\"font-weight: 400;\">, ces paiements sont signal\u00e9s dans votre historique de cr\u00e9dit.<\/span><\/p><p><span style=\"font-weight: 400;\">Des paiements r\u00e9guliers et ponctuels contribuent \u00e0 b\u00e2tir un historique de cr\u00e9dit solide.<\/span><\/p><p><span style=\"font-weight: 400;\">Comme pour tout produit financier, des paiements en retard ou manqu\u00e9s peuvent avoir un impact n\u00e9gatif.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1456\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1456\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Spring Financial signale-t-elle les paiements aux agences de cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1456\" class=\"elementor-element elementor-element-189f3e25 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"189f3e25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-725e0154 elementor-widget elementor-widget-text-editor\" data-id=\"725e0154\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui. Spring Financial transmet l\u2019activit\u00e9 de paiement des pr\u00eats \u00e0 <\/span><b>TransUnion et Equifax<\/b><span style=\"font-weight: 400;\">, les deux principales agences d\u2019\u00e9valuation du cr\u00e9dit au Canada.<\/span><\/p><p><span style=\"font-weight: 400;\">Effectuer vos paiements \u00e0 temps peut contribuer \u00e0 b\u00e2tir votre historique de cr\u00e9dit au fil du temps.<\/span><\/p><p><span style=\"font-weight: 400;\">Cependant, les paiements manqu\u00e9s ou en retard peuvent avoir un impact n\u00e9gatif sur votre profil de cr\u00e9dit.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour en savoir plus sur le fonctionnement des dossiers de cr\u00e9dit au Canada, vous pouvez visiter :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equifax:<\/span><a href=\"https:\/\/www.equifax.ca\"> <span style=\"font-weight: 400;\">https:\/\/www.equifax.ca<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">TransUnion:<\/span><a href=\"https:\/\/www.transunion.ca\"> <span style=\"font-weight: 400;\">https:\/\/www.transunion.ca<\/span><\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1457\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1457\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Un pr\u00eat personnel peut-il affecter ma capacit\u00e9 d\u2019obtenir une hypoth\u00e8que? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1457\" class=\"elementor-element elementor-element-709804a4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"709804a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-226d6a2 elementor-widget elementor-widget-text-editor\" data-id=\"226d6a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Un pr\u00eat personnel ne vous emp\u00eache pas automatiquement d\u2019obtenir une hypoth\u00e8que.<\/span><\/p><p><span style=\"font-weight: 400;\">Les pr\u00eateurs hypoth\u00e9caires \u00e9valuent votre situation financi\u00e8re globale, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre revenu<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vos dettes existantes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">votre historique de paiement<\/span><\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Comme tout type de cr\u00e9dit, un pr\u00eat personnel fait partie des \u00e9l\u00e9ments consid\u00e9r\u00e9s.<\/span><\/p><p><span style=\"font-weight: 400;\">Effectuer vos paiements \u00e0 temps contribue positivement \u00e0 votre historique de paiement.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous pr\u00e9voyez faire une demande d\u2019hypoth\u00e8que, il est conseill\u00e9 de consid\u00e9rer comment tout nouveau pr\u00eat s\u2019int\u00e8gre dans votre situation financi\u00e8re globale.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1458\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1458\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Qu\u2019est-ce que le Plan de protection des paiements? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1458\" class=\"elementor-element elementor-element-7bec547f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7bec547f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c4f2ab6 elementor-widget elementor-widget-text-editor\" data-id=\"7c4f2ab6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le <\/span><b>Plan de protection des paiements<\/b><span style=\"font-weight: 400;\"> est un produit d\u2019assurance optionnel con\u00e7u pour aider \u00e0 couvrir vos paiements de pr\u00eat dans certaines situations impr\u00e9vues.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous perdez involontairement votre emploi ou subissez une blessure vous emp\u00eachant de travailler, le plan peut couvrir vos paiements minimums de pr\u00eat pendant <\/span><b>jusqu\u2019\u00e0 12 mois<\/b><span style=\"font-weight: 400;\">, selon les modalit\u00e9s de la police.<\/span><\/p><p><span style=\"font-weight: 400;\">En cas de maladie grave couverte ou de d\u00e9c\u00e8s, le solde restant du pr\u00eat peut \u00eatre rembours\u00e9, ce qui peut r\u00e9duire les obligations financi\u00e8res pour vous ou votre famille.<\/span><\/p><p><span style=\"font-weight: 400;\">La protection des paiements est souscrite par <\/span><b>Trans Global Insurance Company<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Les d\u00e9tails complets de la couverture, les limites, exclusions et conditions d\u2019admissibilit\u00e9 sont indiqu\u00e9s dans les documents de la police d\u2019assurance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1459\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1459\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> O\u00f9 puis-je trouver les d\u00e9tails de mes produits d\u2019assurance? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1459\" class=\"elementor-element elementor-element-64ebcc89 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"64ebcc89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15b5d04 elementor-widget elementor-widget-text-editor\" data-id=\"15b5d04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Spring Financial offre des produits d\u2019assurance <\/span><b>Protection des paiements<\/b><span style=\"font-weight: 400;\"> et <\/span><b>Protection du solde<\/b><span style=\"font-weight: 400;\">, souscrits par Trans Global Insurance Company ou Assurant selon votre police.<\/span><\/p><p><span style=\"font-weight: 400;\">Pour obtenir des informations compl\u00e8tes sur votre couverture \u2014 y compris :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">les modalit\u00e9s et conditions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">les limitations et exclusions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">les proc\u00e9dures de r\u00e9clamation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">les protocoles de traitement des plaintes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">les FAQ suppl\u00e9mentaires<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">veuillez consulter le site de l\u2019assureur appropri\u00e9 ci-dessous.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Trans Global Insurance Company:<\/b><b><br \/><\/b><span style=\"text-decoration: underline;\"><a href=\"https:\/\/transglobalinsurance.ca\/distributors\/springfinancial\/\"><span style=\"font-weight: 400;\">https:\/\/transglobalinsurance.ca\/distributors\/springfinancial\/<\/span><\/a><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Assurant:<\/b><b><br \/><\/b><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\"><a href=\"https:\/\/cardbenefits.assurant.com\/en\/creditorhelp\"><span style=\"font-weight: 400;\">https:\/\/cardbenefits.assurant.com\/en\/creditorhelp<\/span><\/a><\/span><\/span><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Si vous ne savez pas quel assureur s\u2019applique \u00e0 votre police, contactez notre \u00e9quipe de soutien via le <span style=\"text-decoration: underline;\"><a class=\"open-chat-trigger\" href=\"#\">chat en direct.<\/a><\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-14510\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-14510\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Comment puis-je contacter Spring Financial? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-14510\" class=\"elementor-element elementor-element-333af99d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"333af99d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45f5b930 elementor-widget elementor-widget-text-editor\" data-id=\"45f5b930\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si vous avez des questions concernant :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">votre pr\u00eat<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">le montant de remboursement<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vos paiements<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">toute demande g\u00e9n\u00e9rale<\/span><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">vous pouvez discuter directement avec l\u2019un de nos agents via le <span style=\"text-decoration: underline;\"><a class=\"open-chat-trigger\" href=\"#\">chat en direct.<\/a><\/span><\/span><\/p><p><span style=\"font-weight: 400;\">Notre \u00e9quipe peut examiner votre compte, r\u00e9pondre \u00e0 vos questions et vous accompagner tout au long du processus de pr\u00eat.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25ac6d55 elementor-widget elementor-widget-html\" data-id=\"25ac6d55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script>\ndocument.addEventListener('click', function(e) {\n  const trigger = e.target.closest('.open-chat-trigger');\n  if (!trigger) return;\n\n  e.preventDefault();\n\n  const master = document.getElementById('open-chat');\n  if (master) master.click();\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61996b82 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"61996b82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-310f221b elementor-widget elementor-widget-heading\" data-id=\"310f221b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Besoin de plus d'information ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d5b214 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7d5b214\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-78133d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"78133d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a6d1d0f e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"a6d1d0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-72a88014 e-con-full blue-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"72a88014\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-697288ad elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"697288ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M28.5049 24.1855C28.5058 27.0027 26.22 29.5271 23.3975 29.8232L17.498 30.4443L17.4961 21.0449C17.4939 18.2276 19.7809 15.7034 22.6025 15.4062V15.4072L28.5029 14.7852L28.5049 24.1855ZM23 12.8477L22.3408 12.917C21.3324 13.0233 20.3574 13.3213 19.4443 13.8027C18.5759 14.2613 17.7986 14.8665 17.1328 15.6016C16.4659 16.339 15.9409 17.1734 15.5732 18.0811C15.1851 19.0385 14.9893 20.0381 14.9893 21.0508L14.9902 21.0518V25.1729L11.9941 25.4883L11.9922 16.0889C11.99 13.2716 14.277 10.7474 17.0986 10.4502L23 9.82812V12.8477Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa3f80c elementor-widget elementor-widget-heading\" data-id=\"aa3f80c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">The Foundation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3443796a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3443796a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Boostez votre dossier de cr\u00e9dit avec un pr\u00eat garanti disponible \u00e0 la fin du programme*.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc86435 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6bc86435\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial-mex.sf-stg.ca\/help-centre\/the-foundation\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1afc8121 e-con-full gradient-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1afc8121\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cefd640 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1cefd640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><g clip-path=\"url(#clip0_5439_9494)\"><path d=\"M15.1123 2.71917C13.9596 3.70144 12.5265 4.29506 11.0169 4.41553C7.49406 4.69665 4.69665 7.49406 4.41553 11.0169C4.29506 12.5265 3.70144 13.9596 2.71917 15.1123C0.426944 17.8021 0.426944 21.7582 2.71917 24.448C3.70144 25.6006 4.29506 27.0338 4.41553 28.5434C4.69665 32.0662 7.49406 34.8636 11.0169 35.1447C12.5265 35.2652 13.9596 35.8588 15.1123 36.8411C17.8021 39.1333 21.7582 39.1333 24.448 36.8411C25.6006 35.8588 27.0338 35.2652 28.5434 35.1447C32.0662 34.8636 34.8636 32.0662 35.1447 28.5434C35.2652 27.0338 35.8588 25.6006 36.8411 24.448C39.1333 21.7582 39.1333 17.8021 36.8411 15.1123C35.8588 13.9596 35.2652 12.5265 35.1447 11.0169C34.8636 7.49406 32.0662 4.69665 28.5434 4.41553C27.0338 4.29506 25.6006 3.70144 24.448 2.71917C21.7582 0.426944 17.8021 0.426944 15.1123 2.71917Z\" fill=\"#3800A7\" stroke=\"#3800A7\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><mask id=\"mask0_5439_9494\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"13\" y=\"9\" width=\"15\" height=\"21\"><path d=\"M27.1689 9.99805H13V29.8705H27.1689V9.99805Z\" fill=\"white\"><\/path><\/mask><g mask=\"url(#mask0_5439_9494)\"><path d=\"M24.625 15.598L27.1712 15.3346V11.9648L24.625 15.598Z\" fill=\"white\"><\/path><path d=\"M19.7812 22.5068L27.1688 21.743V18.1309L22.5107 18.6123L19.7812 22.5068Z\" fill=\"white\"><\/path><path d=\"M14.625 29.8705L20.5984 29.2425C23.3212 28.9564 25.6574 27.0559 26.6559 24.5918L17.674 25.5202L14.625 29.8705Z\" fill=\"white\"><\/path><path d=\"M25.8462 9.99805L19.5753 10.657C15.9438 11.039 13 14.2919 13 17.9234V28.3269L25.8462 9.99805Z\" fill=\"white\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_5439_9494\"><rect width=\"40\" height=\"40\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51577d95 elementor-widget elementor-widget-heading\" data-id=\"51577d95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pr\u00eat Evergreen<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22e54e0e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"22e54e0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Votre pr\u00eat garanti de 1 500 $ une fois le programme The Foundation compl\u00e9t\u00e9.*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dc5dad1 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7dc5dad1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial-mex.sf-stg.ca\/fr\/faq-1\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14b773c1 e-con-full pink-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"14b773c1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cd678a9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7cd678a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M27.2092 11.0547L19.8376 11.8323C18.9783 11.923 18.1476 12.1786 17.367 12.5911C16.6209 12.9858 15.9526 13.5078 15.3787 14.1423C14.8049 14.7778 14.3541 15.4961 14.0381 16.2776C13.7074 17.0967 13.54 17.9492 13.541 18.8117V20.3283L13.544 29.6957L20.6763 28.9418L20.9135 28.9172C21.7728 28.8264 22.6036 28.5718 23.3841 28.1593C24.1302 27.7646 24.7986 27.2436 25.3724 26.6081C25.9463 25.9726 26.3971 25.2543 26.7131 24.4737C27.0438 23.6547 27.2111 22.8022 27.2111 21.9397L27.2082 11.0567L27.2092 11.0547ZM16.2725 21.3506L19.2126 21.0408V26.3437L16.2744 26.6545V21.3506H16.2725ZM23.3506 24.7698C22.9431 25.2197 22.4648 25.5769 21.9441 25.8226L21.9421 18.0005L16.2784 18.5985C16.3296 17.6542 16.7243 16.7316 17.4044 15.9796C18.1368 15.1685 19.1033 14.6623 20.1251 14.5548L24.4816 14.0949L24.4836 21.9397C24.4836 22.9571 24.082 23.9616 23.3516 24.7708L23.3506 24.7698Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36dece7f elementor-widget elementor-widget-heading\" data-id=\"36dece7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Hypoth\u00e8ques<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-546eb9f9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"546eb9f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9bloquez jusqu&rsquo;\u00e0 80 % de la valeur de votre maison, peu importe votre historique <br \/>de cr\u00e9dit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3628e29e elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3628e29e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial-mex.sf-stg.ca\/help-centre\/mortgages\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6181b933 e-con-full blue-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6181b933\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-737b14b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"737b14b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M16.123 30.1729L12.96 30.4912V24.3965L16.123 24.084V30.1729ZM27.7852 22.4121C27.7851 26.0491 24.7059 29.308 20.9062 29.6904L18.7002 29.9121V26.2998L20.8086 26.0537C23.0052 25.7962 24.6621 23.7784 24.6621 21.3613V18.9658L24.6631 18.9668L27.7852 18.6592V22.4121ZM22.085 21.3613C22.085 22.5149 21.3858 23.5 20.4941 23.6045L18.6973 23.8154V19.041L18.6992 19.04C18.6992 17.8798 19.4015 16.8948 20.2979 16.7959L22.085 16.5986V21.3613ZM27.7832 16.2637L24.6611 16.5713V13.833L20.0039 14.3457C17.7914 14.5901 16.123 16.6087 16.123 19.041V21.6875L12.96 22V18.3516C12.96 14.7145 16.0402 11.4547 19.8389 11.0723L27.7832 10.2734V16.2637Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ed2b39f elementor-widget elementor-widget-heading\" data-id=\"2ed2b39f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ventes priv\u00e9es<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bafffb6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5bafffb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tout vendeur. Tout v\u00e9hicule. Tout dossier de cr\u00e9dit. Demandez de <br \/>3 500 $ \u00e0 75 000 $ en ligne <br \/>d\u00e8s aujourd\u2019hui.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29bd5f24 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"29bd5f24\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial-mex.sf-stg.ca\/fr\/faq-1\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18de7b12 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"18de7b12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5db74a6b elementor-widget elementor-widget-template\" data-id=\"5db74a6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"20526\" class=\"elementor elementor-20526\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8171e11 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"8171e11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bbd6f8d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"bbd6f8d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6f62e elementor-widget elementor-widget-image\" data-id=\"4b6f62e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/springfinancial-mex.sf-stg.ca\/wp-content\/uploads\/2025\/10\/Group-48861.svg\" class=\"attachment-large size-large wp-image-9946\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ad582f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"8ad582f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e705cc4 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e705cc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Vous m\u00e9ritez mieux en ce qui concerne : <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85c337d premium-atext__switch elementor-widget elementor-widget-premium-addon-fancy-text\" data-id=\"85c337d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"premium-addon-fancy-text.default\">\n\t\t\t\t\t\t\t<div class=\"premium-atext__wrapper premium-atext__slide \" data-start-effect=\"page_load\" data-settings=\"{&quot;effect&quot;:&quot;slide&quot;,&quot;speed&quot;:200,&quot;showItems&quot;:1,&quot;pause&quot;:3000,&quot;mousePause&quot;:false,&quot;loading&quot;:false,&quot;style&quot;:&quot;switch&quot;}\">\r\n\r\n\t\t\t<h3 class=\"premium-atext__headline\">\r\n\t\t\t\r\n\t\t\t\t\t\t<div class=\"premium-atext__text\" style='display: inline-block; text-align: center'>\r\n\t\t\t\t<ul class=\"premium-atext__items-wrapper\">\r\n\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tles taux\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tle service\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tle cr\u00e9dit\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tles offres\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tl'acc\u00e8s\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tles avantages\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t<\/h3>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1709d8e elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1709d8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:250}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>B\u00e2tissez un historique de paiement positif, \u00e9pargnez pour les impr\u00e9vus et obtenez une offre de pr\u00eat garantie \u00e0 la fin \u2013 le tout dans un seul programme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-928c960 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"928c960\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7241bfe elementor-mobile-align-justify elementor-align-justify elementor-widget__width-initial elementor-widget-mobile__width-initial cta-btn elementor-widget elementor-widget-button\" data-id=\"7241bfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.springfinancial-mex.sf-stg.ca\/apply\/foundation\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Postulez<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FAQ pr\u00eats personnels Foire aux questions Vos finances sont importantes pour vous. Notre objectif est d\u2019offrir une transparence totale sur nos produits afin\u00a0 de vous aider \u00e0 choisir la solution qui vous convient le mieux. Pr\u00eats personnels Pr\u00eats personnels : bases et taux Qu\u2019est-ce qu\u2019un pr\u00eat personnel non garanti? Un pr\u00eat personnel non garanti est un type de pr\u00eat qui ne n\u00e9cessite aucun bien en garantie, comme une voiture ou une maison. L\u2019approbation est bas\u00e9e sur plusieurs facteurs, notamment votre revenu, vos obligations financi\u00e8res actuelles et votre profil de cr\u00e9dit global, plut\u00f4t que sur un actif mis en garantie. Une fois approuv\u00e9, vous recevez un montant forfaitaire qui est rembours\u00e9 par paiements planifi\u00e9s sur une dur\u00e9e d\u00e9termin\u00e9e. Comme aucune garantie n\u2019est requise, les pr\u00eats personnels non garantis sont souvent utilis\u00e9s pour : consolider des dettes couvrir des d\u00e9penses impr\u00e9vues financer des achats importants Comment fonctionne un pr\u00eat personnel chez Spring Financial? Spring Financial offre des pr\u00eats personnels non garantis au Canada que vous pouvez demander enti\u00e8rement en ligne. Le processus de demande est simple et rapide. Toutes les \u00e9tapes \u2014 de la demande \u00e0 la signature des documents \u2014 peuvent \u00eatre compl\u00e9t\u00e9es de fa\u00e7on num\u00e9rique. Les montants de pr\u00eat varient de 500 $ \u00e0 35 000 $, avec des dur\u00e9es de remboursement de 6 \u00e0 84 mois. Une fois approuv\u00e9, vous pouvez consulter et signer vos documents imm\u00e9diatement. Les fonds sont g\u00e9n\u00e9ralement envoy\u00e9s peu apr\u00e8s. Nos pr\u00eats sont des pr\u00eats ouverts, ce qui signifie que vous pouvez rembourser votre solde plus t\u00f4t en tout temps, sans frais ni p\u00e9nalit\u00e9. Les fonds peuvent \u00eatre utilis\u00e9s pour presque n\u2019importe quel besoin, par exemple : consolidation de dettes d\u00e9penses d\u2019urgence achats importants \u00c0 quoi peut servir un pr\u00eat personnel? Un pr\u00eat personnel peut servir \u00e0 financer plusieurs types de d\u00e9penses selon vos besoins. Voici quelques utilisations courantes : consolidation de dettes (par exemple rembourser des dettes \u00e0 taux \u00e9lev\u00e9) achat ou r\u00e9paration de v\u00e9hicule d\u00e9penses m\u00e9dicales ou dentaires \u00e9v\u00e9nements importants (mariage, voyage, etc.) achats majeurs d\u00e9penses impr\u00e9vues Les pr\u00eats personnels offrent un montant forfaitaire pouvant \u00eatre utilis\u00e9 pour presque n\u2019importe quelle d\u00e9pense, tant que cela respecte votre contrat de pr\u00eat. Puis-je utiliser un pr\u00eat personnel pour rembourser mes cartes de cr\u00e9dit? Oui. Un pr\u00eat personnel peut servir \u00e0 rembourser des cartes de cr\u00e9dit. On appelle cela la consolidation de dettes. En utilisant un pr\u00eat personnel pour regrouper des soldes de cartes de cr\u00e9dit \u00e0 taux \u00e9lev\u00e9, vous pouvez transformer plusieurs paiements en un seul pr\u00eat avec des paiements fixes. Cela peut rendre vos paiements plus simples \u00e0 g\u00e9rer et plus faciles \u00e0 suivre. Selon le taux d\u2019int\u00e9r\u00eat et les modalit\u00e9s qui vous sont accord\u00e9s, la consolidation peut \u00e9galement r\u00e9duire le co\u00fbt global de votre dette. Avant de proc\u00e9der, assurez-vous que le plan de remboursement correspond bien \u00e0 votre situation financi\u00e8re. Comment consolider des dettes avec un pr\u00eat personnel? Pour consolider vos dettes avec un pr\u00eat personnel, vous utilisez les fonds du pr\u00eat pour rembourser plusieurs dettes existantes et les regrouper en un seul nouveau pr\u00eat. Une fois approuv\u00e9, vous recevez un montant forfaitaire que vous pouvez utiliser pour rembourser des dettes \u00e0 taux \u00e9lev\u00e9 comme : cartes de cr\u00e9dit autres dettes non garanties Vous remboursez ensuite le pr\u00eat personnel par paiements fixes selon la dur\u00e9e convenue. La consolidation peut simplifier vos finances en r\u00e9duisant le nombre de paiements \u00e0 g\u00e9rer chaque mois. Selon votre situation, elle peut aussi r\u00e9duire vos co\u00fbts d\u2019int\u00e9r\u00eat globaux. La meilleure fa\u00e7on de savoir si cette option vous convient est de remplir une demande en ligne afin que notre \u00e9quipe puisse examiner votre dossier. Quel montant puis-je obtenir avec un pr\u00eat personnel? Spring Financial offre des pr\u00eats personnels non garantis allant de 500 $ \u00e0 35 000 $. Le montant auquel vous pourriez \u00eatre admissible d\u00e9pend notamment de : votre revenu vos obligations financi\u00e8res actuelles votre profil de cr\u00e9dit votre capacit\u00e9 de remboursement globale \u00a0 Chaque demande est \u00e9valu\u00e9e individuellement afin de d\u00e9terminer le montant de pr\u00eat et le taux d\u2019int\u00e9r\u00eat disponibles. Pour savoir exactement combien vous pourriez emprunter, vous pouvez remplir une demande en ligne. Quels sont vos taux d\u2019int\u00e9r\u00eat pour les pr\u00eats personnels? Les taux d\u2019int\u00e9r\u00eat des pr\u00eats personnels de Spring Financial varient actuellement entre 9,99 % et 34,95 %, selon votre demande. Les taux annuels effectifs globaux (TAEG) varient de 9,99 % \u00e0 35,00 %, avec des dur\u00e9es de remboursement de 6 \u00e0 84 mois. Le taux pr\u00e9cis d\u00e9pend de plusieurs facteurs, notamment : votre profil de cr\u00e9dit votre revenu et votre stabilit\u00e9 financi\u00e8re vos dettes actuelles Chaque demande est \u00e9valu\u00e9e individuellement. Votre taux d\u2019int\u00e9r\u00eat et votre TAEG seront clairement indiqu\u00e9s dans votre contrat de pr\u00eat avant la signature. Mon taux d\u2019int\u00e9r\u00eat est-il fixe ou variable? Les pr\u00eats personnels de Spring Financial ont un taux d\u2019int\u00e9r\u00eat fixe. Cela signifie que votre taux est \u00e9tabli au moment de l\u2019approbation et ne changera pas pendant la dur\u00e9e du pr\u00eat. Vos paiements resteront donc constants, ce qui facilite la gestion de votre budget. Tous les d\u00e9tails du pr\u00eat \u2014 y compris : le taux d\u2019int\u00e9r\u00eat le montant des paiements l\u2019\u00e9ch\u00e9ancier de remboursement seront indiqu\u00e9s clairement dans votre contrat avant la signature. Qu\u2019est-ce que le TAEG et quelle est la diff\u00e9rence avec le taux d\u2019int\u00e9r\u00eat? Le taux d\u2019int\u00e9r\u00eat repr\u00e9sente le co\u00fbt d\u2019emprunt du montant du pr\u00eat. Le taux annuel effectif global (TAEG) repr\u00e9sente le co\u00fbt total du pr\u00eat sur une base annuelle. En plus du taux d\u2019int\u00e9r\u00eat, le TAEG peut inclure certains frais associ\u00e9s au pr\u00eat. En r\u00e9sum\u00e9 : Taux d\u2019int\u00e9r\u00eat = co\u00fbt d\u2019emprunt du capital TAEG = co\u00fbt total annuel du pr\u00eat incluant certains frais Votre taux d\u2019int\u00e9r\u00eat et votre TAEG seront indiqu\u00e9s clairement dans votre contrat de pr\u00eat avant la signature. Un pr\u00eat personnel non garanti est un type de pr\u00eat qui ne n\u00e9cessite aucun bien en garantie, comme une voiture ou une maison. L\u2019approbation est bas\u00e9e sur plusieurs facteurs, notamment votre revenu, vos obligations financi\u00e8res actuelles et votre profil de cr\u00e9dit global, plut\u00f4t que sur un actif mis en garantie. Une fois approuv\u00e9, vous recevez un<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":20360,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-26107","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Personal Loans Help Centre | FAQs &amp; Guides<\/title>\n<meta name=\"description\" content=\"Getting a personal loan can be daunting, but we\u2019re here to help. 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