Your entire credit history
is wiped clean the
day you land. Not anymore.

Starting July 2024, there will be a simple application section within your dashboard (for all registered users) that lets you apply for a loan at any time. All you have to do is login to your account, and submit your application (takes < 2 minutes to complete). We will automatically take into account the information in your application and your J-Score trend to give you the exact loan amount and terms you will be eligible for. You will also know the exact monthly payment you will have to make every month – there are no nasty surprises when you take a loan from us. Once you accept the offer, the money will be funded directly into your bank account within 24 business hours.

The main value of the J-Score is that we use it as our credit metric while giving you loans. We don’t care at all about your limited Canadian credit history or lack thereof. As long as you have registered with us, we are able to pull your J-Score trend when you apply for a loan. Based on your J-Score, we are able to offer you a customized and exact loan offer. Another benefit of the J-Score and the J-Score Report is that it paints a complete financial and creditworthiness picture of you which no early life official credit bureau report can. The first 2-3 years in your new country is when you are setting up a new life and need to avail a ton of services that need credit history / credit-worthiness checks. However, this is also the time when your Equifax / TransUnion score reports are very limited ,the score itself is very low, and keeps fluctuating because of the limited history. This is when our J-Score Report can give a very detailed, clearer picture of your background and creditworthiness to anybody who needs to peruse your official credit bureau reports too (such as in your rental application, in an application with your utility company, along with your cover letter in a job application etc.) Remember – the J-Score helps you get absolutely best-in-market newcomer credit products / loans with Juplix. You can use the J-Score Report anywhere outside Juplix as a supplemental material with your application

The J-Score is primarily beneficial for newcomers who are about to arrive or have arrived in Canada within the last 3 years.

Right now, yes. We are coming out with a rent automation product soon where your rent will be 100% on autopilot with us, with you having to do absolutely nothing (don’t even have to remember your due date every month!). However, till then, checking your rent payment month-on-month is the only way we can ensure you are committed to paying your dues in Canada on time. This is a major component of calculating J-Score, and gives us comfort that your creditworthiness is high. So we request you to please upload a proof of transaction every month within 3 days of your rent due date. The system will remind you to do so on your rent due date every month