What makes us different
Working with you to get back on track
Let's work together
Helping to improve your credit
Fidem serves people who are financially responsible but have run into problems and need help improving their financial situation. We understand that financial plans can go off track – whether through illness, job loss, or other family circumstances. Your credit rating may fall to the point where you can’t get a credit card from your financial institution.
That’s where we come in. We take an honest and sympathetic look at your circumstances and your resources and try our best to deliver a financial bridge to a better future.
Fair. Transparent. Responsive.
Fidem Finance is a responsible lender. We abide by all Provincial and Federal laws pertaining to financial institutions. We pride ourselves on being fair, transparent, and responsive.
We believe credit should help you with immediate needs, and we encourage you to borrow only what you need. Our credit process is designed to ensure you can afford and can repay in a timely manner. That way, your credit score will improve, and you will eventually be able to again borrow from traditional financial institutions at lower rates and with higher credit limits.
We also encourage you to seek a second opinion. By all means work with a credit counselor to see what form of credit, and how much credit, is right for you.
Full disclosure at all times
No “Hidden Fees”
We clearly disclose what interest rates and fees apply to your credit card. There are never any “hidden fees” or charges. All the terms and conditions are spelled out clearly in your Cardholder Agreement, and our customer service representatives are always happy to answer your questions.