THE SHORT TERM HASSLE-FREE LOAN
The funds you need when you need them.
Instant Approval • Safe & Easy • Trusted by Canadians
Why Choose Black Silver Capital
That alternative to the old payday loan that you've been waiting for
Flexible Repayment Options
We take into consideration all the relevant details of your financial situation to ensure whichever of our repayment plans you choose works for you. Whether you're borrowing $100 or $1,500, repaying in a single payment or 2 or 3 installments, we offer the same low rate across all options — no hidden fees or penalties for choosing a longer repayment period.
Bad Credit? No Problem
If you're worried that your credit score may prevent you from having access to our great short-term loans, don't tie yourself in knots over that. A credit score is a result of what happened in the past. This is now. If you can repay a loan today, why shouldn't you have the opportunity to deal with unexpected financial challenges? That's why we look at the big picture of your financial situation.
Fully Licensed & Regulated
As a licensed direct lender, we operate in full compliance with all provincial regulations across Canada. Our lending practices are transparent, ethical, and governed by strict consumer protection laws. You can borrow with confidence knowing that we follow all federal and provincial guidelines designed to protect borrowers like you.
No Hidden Fees
You can have access to the funds to make your financial life more pleasant, without excessive fees, as long as you meet the repayment plan you choose in your loan agreement. What you see is what you get — complete transparency with no surprises. All costs are clearly explained before you sign.
Black Silver Capital
Black Silver Capital is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people's lives.
Interest Fees & Transparency
Clear, straightforward information about your loan costs — no surprises, no hidden fees
Managing Your Loan
Can I make repayments early?
Yes, it is possible to repay early, and we encourage you to do it if you are able to! There are also no charges for early repayments. Repaying early is a great choice because:
- There are no extra fees
- You can improve your trust rating with Black Silver Capital
Can I increase my loan amount after I get my cash?
As responsible lenders, we only let our customers take out one loan at a time. That's why it's important when you apply for a loan to consider your finances and to choose the loan amount and repayment options that are right for you.
Interest Fees and Transparency
The cost of borrowing for payday loans in New Brunswick is set at $14 per $100 borrowed. We charge 14% of the principal:
| Province | Interest Fees | Late Fee |
| New Brunswick | $14 per $100 | $20 |
When you take a cash advance loan with Black Silver Capital, you are always in complete control of how much money you will owe and there are no surprises nor hidden fees. Before signing your loan agreement, we will give you a breakdown of all the costs involved in your loan so you will be able to make an informed decision.
Getting Your Money
There is nothing easier than getting your money. After electronically signing your contract, you will receive your funds by e-transfer in the next 5 minutes. We send e-transfers 7 days a week, 24 hours a day. At Black Silver Capital, we want to ease our clients' lives since we know that you have more important things to care about. Therefore our services are fast, convenient and hassle-free.
Repaying Your Loan
What happens on my repayment date?
In order to make the repayment process as straightforward as possible for you, we will automatically debit your bank account on the due date for the amounts specified in the contract. On your repayment date, please make sure you have enough money available in your bank account for the payment in order to avoid any additional fees.
Repayment Plans
We have two repayment plans you can choose from in order to find one that suits you best.
- Cash advance: make a repayment between 7-62 days after you are approved
- Flexible plan: make 2 or 3 repayments between 7-62 days after you are approved
Repeat Borrowing
Trust Rating System
When you apply for your first cash advance loan with Black Silver Capital, you can apply for up to $750. If you pay back your first loan on time and according to the terms and conditions of your loan, you will gradually be eligible to borrow up to $1,500.
A cash advance loan is considered as a short-term loan and is not intended for frequent use. If another situation arises and you do need to borrow money from us again, the loan application process will be quicker than the first time. Since most of your information are saved in your Black Silver Capital account, you can simply log in, confirm the existing information, and apply. It's that simple!
As part of our commitment to responsible lending, we may at time make adjustments to ensure that each personal loan we give is in the best interest of our customer's financial health. We consider each application we receive on an individual basis, so repeat borrowers are not guaranteed approval because they have borrowed from us before.
Late Fees
You can avoid any non-sufficient fund fees by making payments on time and ensuring that money is available for pre-authorized debits in your account on the due dates. NSF fees are broken down as follows for New Brunswick.
| Province | NSF Fee |
| New Brunswick | $20 |
Collections
Black Silver Capital's lending process is fully transparent so you can clearly understand your repayment responsibilities. Your total amount to be repaid is the loan amount plus the interest fee, no additional fees will be charged to you.
The only way that your repayment amount would increase is if you do not comply with your loan repayment agreement. You must make sure that your bank account has enough funds to cover the preauthorized debit on the date you agreed to make a loan payment. If your bank account has insufficient funds at the time of the preauthorized debit, you will be charged a missed payment fee, and your bank may also charge you a non-sufficient funds fee. From there on, collection interests will be applied to the remaining balance of your loan until it is fully repaid.
This is why we reiterate that it is extremely important to respect your commitments with us. Black Silver Capital is a company with a human side and we understand that difficult situations may happen. If this is the case, please contact us as soon as you can so we can find an arrangement that can reduce costs for you and that will allow you to meet your commitments. However, we strongly recommend that you think seriously before applying for a loan. If you have any doubts about your capacity to reimburse this loan according to the established terms, we recommend you to find another source of financing.
We do things differently
Black Silver Capital is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people's lives.
Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we're there to help.
Bad credit isn't a deal breaker
If you're worried about having bad credit, don't let that stop you. It's not the only criteria. We're much more interested in your ability to make your repayments.
Don't worry about documents
It's an easy, real-time, streamlined process. We've already got the necessary evaluation tools. We don't need all those pieces of paper.
Your pre-approval is minutes away
Any time of day, any day of the year, our fully automated decision system is ready to help you identify the best loan option to meet your needs. There's no stressful waiting for an answer. Every application is reviewed and answered in just minutes.
Transparent costs
We want you to make the best informed judgment for you. All our fees are fully transparent and explained. Plus, we'll answer your questions and provide you the financial planning tools that you need to make the smart choice.
