SkyCap Financial Blog

SkyCap Financial provides customers with loans when they have most likely been turned down by the bank. We will carefully consider your current circumstance rather than just your past credit history. Fill our easy application process to get a quick decision and get you the funding you need to get the cover your dental expenses.



The Definitive Guide to RRSP loans

For many Canadians, the RRSP season is a time to panic. With the deadline for contributions looming, it can be tempting to take out a loan to boost your contribution and maximize your tax refund. But is an RRSP loan… Continue Reading →

Understanding Good And Bad Credit Scores

It’s no secret that your credit score plays a significant role in your financial life. A good credit score can mean the difference between getting approved or denied for a loan or qualifying for lower interest rates and higher limits…. Continue Reading →

Can I Get a Car Loan With Casual Employment?

Have you ever wondered: Can I get a car loan with casual employment? It’s a sad fact that casual workers may face more difficulty getting car loans. However, it doesn’t always have to be a challenge. In this article, we’ll… Continue Reading →

How To Dispute Items On Your Credit Report

If you’ve discovered incorrect or fraudulent items in your credit report, you know how stressful it can be. But just because you’ve found a problem doesn’t mean it can’t be solved. In this article, we’ll review how these reports work,… Continue Reading →

Debunking Common Loan Myths

Loans can be a challenging topic to talk about. Just mentioning the word “loan” will get a wide range of opinions and myths. Some people view loans as helpful tools that can provide much-needed financial assistance, while others see them… Continue Reading →

What Factors Influence Your Credit Score?

There are a variety of factors that can influence your credit score. Some of these elements are within your control, while others are not. In this article, we’ll provide an overview of credit scores, look at the factors that influence… Continue Reading →

How long does a late payment stay on your credit report?

If you’ve even missed a bill payment and noticed that your credit score was in free fall, you may be wondering: how long does a late payment stay on your credit report? In this article we will review how credit… Continue Reading →

9 Quick Ways To Improve Your Credit Score

If you’ve ever tried to take out a new loan, you know how important your credit score is. If your score is too low, you may have difficulty getting the loan you need. And, if you do find one, you… Continue Reading →

The 3 Types Of Credit You Can Get

For anyone looking for a loan, it’s easy to become overwhelmed by the options and vendors in the market. However, it’s essential to understand the different types of credit available to you before deciding how to move forward. This article… Continue Reading →

7 Common Examples Of Installment Loans

When someone needs money and is looking for a loan, they often don’t consider the type of loan they need, but rather what they will use it for. This means they may not always consider which type of loan is… Continue Reading →

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Interest rates and total cost of borrowing are dependent on a borrower's credit history. SkyCap reserves the right to approve or decline an applicant based on SkyCap's internal underwriting guidelines and procedures. Not all applicants are approved.

  • Loan amortization from 9-60 months
  • APR from 12.99% to 39.99%
  • Example: $1000 borrowed for 12 months at 29.99% Monthly payment: $97.48; Total cost of borrowing: $169.79