How It Works

From request to funding

A single free form gets everything moving. Here is the journey your request takes — from the moment you send it to the moment money lands in your account, bankruptcy or not.

Begin Your Free Request

The Process

Four steps from request to funding

No printing, faxing, or in-person visits required.

Share What You Need

Complete one secure form with the essentials — the amount you have in mind, your income, and how to reach you. It takes minutes and costs nothing.

We Line Up Your Options

Your request goes to licensed lenders that operate in your province and consider borrowers in or after a bankruptcy or consumer proposal.

You Read the Terms

The amount, the full cost, and the repayment date are laid out plainly. The choice to proceed is entirely yours — nothing is binding.

Funds Reach Your Account

Once you accept and sign, the money is usually delivered by Interac e-Transfer within minutes.

FAQs

Questions people ask before applying

How long will the form take?

Most people finish in a few minutes. It helps to have your basic personal, income, and banking details on hand before you begin.

Will this affect my credit score?

Sending a request to FiveSix will not affect your credit score — it runs a soft check. Individual lenders may run their own checks later, before confirming an offer.

Can I apply with a bankruptcy on file?

Yes. Lenders in the network consider active and discharged bankruptcies and consumer proposals, deciding mainly on your income and banking activity. If your bankruptcy is still active, tell your trustee before taking on new credit.

How soon do I get paid?

After you accept an offer and sign, funds are typically sent by Interac e-Transfer within minutes, depending on your bank.

Does FiveSix charge anything?

Nothing at all. Our service is free for borrowers — we are a referral platform and are compensated by our lending partners.

Prefer to compare loan types first? Browse bankruptcy loans →