Buy what you normally buy — but get rewarded. Every discount fuels your cashback, which helps cover real bills.
Here’s how it works:
Buy Gift Cards for Your Everyday Spending
Groceries. Gas. Takeout. Clothes. Shop trusted brands like Walmart, Uber Eats, Loblaws, Shell, and more — then add your gift cards to Apple Wallet or Google Wallet for easy checkout.
Here’s how it works:
Earn Cashback Every Time You Shop
Every gift card purchase earns you cashback — no codes, no waiting.We reward you just for spending smarter.
Here’s how it works:
Put Your Rewards Toward Real-Life Payments
Your cashback goes straight into your Neobanc balance — ready to knock down rent, bills, or even your next mortgage payment.
Why Neobanc Gift Cards Just Make Sense
They’re more than gift cards — they’re a smarter way to spend, save, and simplify your finances.
SECURE TRANSACTION
Because you deserve to know what you’re getting into — how it works, what it costs, and how you’re protected.
Eligibility basics
You’ll need to meet standard lending criteria, including age, residency, and a verifiable income source.
APR range
Interest rates may vary, but will always be shown upfront before you accept.
Repayment terms
Pay back in scheduled monthly or bi-weekly installments, with the full plan visible from the start.
Partner disclosure
Loans are issued through our trusted partner, Spring Financial®—licensed and regulated.
Got questions?
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FAQs
How much can I borrow?
Anywhere from “help me out” money to “life reset” money — up to $35,000.
What’s the interest rate?
Rates start at 9.99% APR, depending on your credit profile. No “Mercury in retrograde” nonsense — just real numbers, up front.
Do I need perfect credit to qualify?
Nope. We know life happens. If your score’s more “meh” than magnificent, we still consider the full picture — not just a number.
How fast can I get approved and funded?
Super fast. Most applicants get approved in just one quick phone call. Once you’re approved and documents are signed, funds typically arrive within 1–2 business days. Pro tip: upload your docs ASAP to speed things up.
What’s the catch?
There isn’t one. Seriously. Just a straightforward personal loan with clear terms, fair interest, and no sneaky fees.
What can I use a personal loan for?
Whatever you need.
Whether it's paying off high-interest debt, covering emergency expenses, upgrading your couch, fixing your car, or finally visiting your cousin in Kelowna, it's your money.
What do I need to apply?
A few essentials — government-issued ID, proof of income, and maybe a pay stub or two. The online form guides you through it, step by step.
Who’s actually giving me the loan?
Neobanc has partnered with Spring Financial® They’re the licensed lender. We’re the ones making sure renters like you even know this option exists.
Can I pay it off early? Any penalties?
Definitely! There are no penalties. This is an open loan, so you can pay it down or off whenever you'd like. No fees, no hidden costs, just freedom.
Help! I’m stuck, confused, or just hate adult paperwork.
We get it. Hit the chat, email us, or give us a call. You’ll get a real human, not a robot. We’ll walk you through it, no shame, no jargon.
Backed by world-class investors and accelerator programs.
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