Credit 4 You Review: Is It Legit?

Is Credit 4 You legit in Canada?

We’re not sure if Credit 4 You is legit or not.

On the plus side, the lender has an average rating of 4.8/5 from over 1,100 Trustpilot reviews. It also has a high-cost credit licence in Quebec.

But our research into Credit 4 You raised the following concerns:

• We’re not sure it’s a licensed payday lender. Credit 4 You says it offers payday loans, but we couldn’t find a payday lending licence number listed on its website. Some customer reviews also mention borrowing from Credit 4 You in Ontario, but when we searched the Government of Ontario’s database, we couldn’t find a record of it holding a payday lending licence.
• Incorrect information on website. The loan example listed on the Credit 4 You website says the maximum amount you can be charged is $15 for every $100 you borrow. But as of January 1, 2025, changes to legislation mean the maximum allowable cost of borrowing with a payday loan is actually $14 per $100 borrowed.
• Very expensive. The loan example on the Credit 4 You website lists a $500 loan with an APR of 391%. A disclaimer also mentions that management fees may apply in addition to the interest charges mentioned in the loan example.
• Consumer Beware List. Credit 4 You is also featured on the Government of Ontario’s Consumer Beware List. Actions taken against the lender include the issuing of a Cease and Desist Notice in September 2024 and issuing a proposal to refuse to issue or renew a licence in May 2025.
• Installment or payday loans? The Credit 4 You website says that depending on the frequency of your paycheques, you can repay what you borrow in 3 - 12 installments. Meanwhile, payday loans have a maximum repayment period of 62 days, so it’s not entirely clear what type of loan the lender offers.
• Missing information. There are no phone contact details and no physical address listed on the lender’s website.

That’s why we’re not prepared to sign off on Credit 4 You’s legitimacy.

Details above were last verified on December 19, 2025.

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Pros and cons of Credit 4 You

Pros

• Simple online application process. It takes about five minutes to apply online for a Credit 4 You loan, while instant bank verification helps ensure a faster application process.
• No credit checks. You don’t need to undergo a credit check to qualify for a Credit 4 You loan, so bad credit or no credit won’t stop you from getting a loan.
• Fast access to funds. Credit 4 You says it usually takes one hour for loan contracts to be signed, and funds are then sent out via e-Transfer within 30 to 90 minutes.
• Repay in installments. You have the flexibility to repay your loan in 3 - 12 installments, depending on your pay frequency.
• Plenty of positive customer reviews. Credit 4 You has earned a 4.8/5 from over 1,100 Trustpilot reviews.

Cons

• We’re not sure it’s legit. As outlined above, we’re not sure whether Credit 4 You is legit.
• High cost of borrowing. The loan example on the lender’s website lists an APR of 390% plus management fees that may apply. Such a high APR means Credit 4 You loans are extremely expensive.
• References required. You’ll need to provide references to apply for a loan from Credit 4 You.

What do Credit 4 You reviews say?

Credit 4 You reviews are largely positive, with the lender having earned an impressive 4.8/5 from over 1,100 Trustpilot reviews. Customers commonly mention factors such as a quick and easy application process, along with fast funding and helpful customer service in their reviews.

Customers who leave negative feedback mention factors such as repayment issues, poor customer service, and the lender harassing the references they provide when applying.

Summary of Credit 4 You reviews

Site	Details
Trustpilot	4.8/5 from over 1,100 Trustpilot reviews
Google	N/A
BBB accreditation	Not accredited
BBB rating	N/A
BBB reviews	N/A

Reviews as of December 4, 2025

What are the interest rates of Credit 4 You loans?

The interest rates on Credit 4 You loans are very high.

The example provided on the lender’s website says you will be charged $15 for every $100 you borrow. On a $500 loan with a 14-day repayment period, that works out to an APR of 391%.

Management fees may apply on top of this, so this is a very expensive type of loan.

Related: Personal loan interest rates in Canada

Am I eligible?

To qualify for a Credit 4 You loan, you will need to:

• Be 18 years or older and not under guardianship.
• Be a Canadian resident.
• Have a stable income for a minimum of four months.
• Have an income of at least $2,000 per month.
• Not be filing for bankruptcy or a consumer proposal in the next six months.
• Not have been denied or deactivated by Credit 4 You in the last 30 days.

How to apply for loans like Credit 4 You

It’s usually very easy to apply for loans from lenders like Credit 4 You by completing an online application form.

You will typically need to provide your name and email address to get started, then enter your phone number, date of birth, address and desired loan amount.

Next, you’ll have to supply employment and income information so the lender can check whether you will be able to afford your loan payments. Most lenders will use instant bank verification to electronically review your income and determine if you receive sufficient income to repay a loan.

Some lenders, including Credit 4 You, will also ask you to provide references during the application process.

Bottom line

There are a few question marks surrounding the legitimacy of Credit 4 You. We like the fact that it has a high-cost credit licence in Quebec and lots of positive customer reviews, but there are a few red flags that concern us. That’s why we recommend looking elsewhere for a loan.

Dive deeper: A to Z list of lenders in Canada