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Loan examples*

Whether it’s $10,000 or $500,000 – Alpine Credits is Your Best Alternative to the Bank.

First mortgage

Loan Amount Monthly Payment Interest Rate Real Estate Required? Term APR
$100,000 $530.00 5.75% Yes 2 Years 10.9%
$300,000 $1,575.00 5.75% Yes 2 Years 10.4%

Second mortgage

Loan Amount Monthly Payment Interest Rate Real Estate Required? Term APR
$25,000 $220.00 8.75% Yes 2 Years 17.2%
$50,000 $425.00 8.75% Yes 2 Years 15.8%
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Home Equity Loans

Flexible approval criteria

At Alpine Credits, we focus on your home equity so that you can get the funds you need – regardless of your credit, age, or income. 

Personalized service

Tailored to fit your needs, our customizable loans and flexible repayment plans ensure your loan aligns with your goals. 

Quick funding

Get approved  and access funds in days, not weeks.

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How to apply

Apply online in minutes

Start your loan journey in just a few clicks. Get a no-obligation quote quickly, and a dedicated financial solutions specialist will guide you every step of the way.

Get Approved in less than 24 hours

Unlike banks, our primary focus is your home equity– not your credit, age, or income. This lets us process your application faster, all without impacting your credit score.

Funds Deposited directly to your account within a week

With faster approval and funding, get the financial help you need when you need it most. Our streamlined process ensures that funds are in your account within a week. 

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Different ways to use our home equity loans

Consolidation Loan

Combine multiple high-interest loans into one manageable payment. With our competitive rates and flexible terms, a consolidation loan will help you take control and simplify your finances.  

Secured Personal Loan

Leverage the value of your home and get the funds you need. Whether for home improvements, loan consolidation, or unexpected expenses, a secured personal loan using your home equity will help you achieve your financial goals. 

Business Loan

Empower your existing business or take advantage of that new opportunity. Whatever your goal is, a business loan using your home equity will provide the swift funding you need. 

Home Renovation Loan

Renovate with confidence and get the home upgrades you want. With a home equity loan, we’ve got you covered. 

Why choose Alpine Credits over banks?

  Alpine Credits  Banks 
Qualification criteria 


Alpine Credits puts little emphasis on your age, credit score, or income status, which makes qualifying for a loan more straightforward.   They usually require applicants to have a good credit score and proof of income, which makes it difficult for those with low credit scores to qualify.  


Application process 


The online application form for Alpine Credits is simple and can be completed in just a few minutes, streamlining the process for potential borrowers.   Applications with traditional lenders can be more complicated & complex, requiring you to fulfill several conditions and provide many forms of documents.  


Approval time 


Alpine Credits promises approval in less than 24 hours, significantly faster than traditional banks and lenders. This quick turnaround time can be particularly beneficial if you require funds quickly.  


It may take a longer time for you to get approved with traditional lenders. In some cases, getting approved can take between a few days to several weeks.  
Funding time 


Your funds can be deposited into your bank account in less than a week. 


Receiving funds from a traditional lender can take months or longer.  


Alpine Credits has a team of Financial Solutions Specialists to help you and answer any of your questions.  


Although banks enjoy established reliability, their loan specialists may not be readily available online to help answer all your queries. 
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*Disclosure on “Loan examples” above

Alpine Credits’ intent is to always have full disclosure on all of our loan offerings. Borrowers are provided with all necessary disclosure prior to entering into any obligation. Our objective is to offer Canadian home owners an alternative to the banks and credit unions (not a replacement). Typically, you will find our rates to be higher than the banks; however, with this in mind, we are usually more efficient than the banks in getting you your money and may lend in situations where the banks (and other traditional lenders) will not. Once we have provided you with all necessary information, the decision will be left with you as to whether or not you wish to proceed with our offer. Thank you for your consideration. We look forward to speaking with you soon.

All of the above examples are for discussion purposes only. It is important the reader is aware that the examples may represent the lower priced range of our product offerings. Rates on our loans are subject to change and may vary (up or down) based on the equity you have in real estate, the state / condition / location of your real estate, your personal financial situation and the Canadian mortgage market. The examples are all based on interest only monthly payments (you may elect to pick a shorter amortization to pay off your loan sooner) in which the rate in year 2 increases to the prime rate plus 3.75% and the prime rate plus 6.00% for the first and second mortgages respectively. The Cash Advance in all of the loans above represents the net amount of money to be received. The “Gross Amount” for the $100,000 / $300,000 / $25,000 / $50,000 loans in the examples above are $110,500 / $327,900 / $29,500 / $58,140 respectively. The difference between the Gross Amount and Net amount represents closing costs which includes items such as legal fees, appraisals, brokerage fees, etc. (“Fees”). The APR will increase / decrease in the event of higher / lower Fees. Once again, thank you for your consideration.