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	$1575.00	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%

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.

Own your home? You're approved.

1 Apply online in minutes

Our online application process is simple. Get a no-obligation quote to find out how much you qualify for.

2 Get approved in less than 24 hours

Unlike credit cards and other loans, applying for a loan with Alpine Credits won’t impact your credit score.

3 Funds are deposited directly into your account within a week.

Unlike banks, our approvals are based on the equity you have in your home, not your age, income, or credit history.

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.

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?

Key Aspects	Applying with Alpine Credits	Banks
Qualification criteria	Alpine Credits simplifies loan qualification by focusing less on age, credit score, or income.	They require a good credit score and proof of income, making it hard for low-credit applicants to qualify.
Application process	The Alpine Credits online application is quick and easy, taking just a few minutes.	Traditional lender applications are complex, needing multiple conditions and extensive documentation.
Approval time	Alpine Credits offers approval in under 24 hours, much faster than traditional banks, ideal for urgent funding needs.	Traditional lender approval can take from 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.
Reliability	Alpine Credits has a team of Financial Solutions Specialists to help you and answer any of your questions.	Banks are reliable, but their loan specialists may not be easily available online for queries.

*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.

Homeowners get approved.

Unlike traditional banks, all you need to qualify for a loan at Alpine Credits is to own your home. We make the process as quick and easy as possible. Applying won’t affect your credit score.