Provincially licensed, federally compliant — financial services built for Canadians.
We believe everyone deserves access to transparent, fair financial services — regardless of their credit history.
Vayoo Financial Services Inc. provides 8 financial services to Canadians through a fully digital platform. Every rate is regulated, every fee is disclosed upfront, and every transaction is protected by bank-level security.
Fully licensed, registered, and compliant with federal and provincial regulations.
Licensed lender operating under applicable provincial payday lending rules.
Your personal information is protected under federal privacy law.
Registered with the Financial Transactions and Reports Analysis Centre of Canada.
TLS 1.3, AES-256 encryption, tokenization, and PCI-DSS aligned practices.
The principles that guide how we build and operate our platform.
Full cost of borrowing disclosed before you confirm. No hidden fees, no surprise charges. Every rate is regulated and clearly communicated.
Apply 100% online in under 10 minutes. No branch visits, no long paperwork. Financial services available to all Canadians regardless of credit history.
Bank-level security with TLS 1.3, AES-256 encryption, and data tokenization. PCI-DSS aligned practices with immutable audit trails for every action.
We are committed to responsible lending. Before you confirm any loan, we disclose the full cost of borrowing, your repayment schedule, and all applicable fees. You have a 2-business-day cooling-off period to cancel without penalty.
0+
Services Offered
0%
Platform Uptime
<0 min
Application Time
0h
Decision Time
We operate under strict federal and provincial regulations to protect you.
Licensed lender. Max $15 per $100 cost of borrowing cap.
APR on term loans and lines of credit never exceeds 36%.
Registered reporting entity. KYC, AML, and STR compliance.
Federal privacy law compliance. Your data is protected.
2-business-day cooling-off period on all loan agreements.
Canada Anti-Spam Legislation compliance for all communications.
Have questions? Reach out to our team.