Steady Path · Credit Building
Steady Path is a structured 24-month credit-building programme designed to help you build a positive payment history while working towards a $1,040 completion payment.
Make simple bi-weekly payments, stay on track, and build your financial future one payment at a time.
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Steady Path
Active24-month credit-building
programme.
$320 / $1,040
Credit Amount
16 / 52
Payments completed
31%
Next Payment
A different approach to credit building
Traditional borrowing gives you money upfront and asks you to pay it back. Steady Path works differently.
There is no conventional cash advance when you start. Instead, you make structured payments over 24 months while Steady reports your payment activity to Equifax Canada.
Complete the programme and, subject to the Completion Conditions, Steady makes a $1,040 Completion Payment to you.
Make predictable bi-weekly payments over 24 months.
Your payment history is reported to Equifax Canada.
Meet the programme conditions and receive your $1,040 Completion Payment.
Clear costs. Clearer progress.
Scheduled payments, programme fees and the Completion Payment are set out clearly from the start. There is no cash advanced upfront, and payment history is reported to Equifax Canada.
Completion Payment
$1,040
Illustrative product comparison
Similar product example
$1,924 paid over one year
$750 returned to the customer
About $1.1K retained in fees
Steady Path
$1,280 total scheduled payments over 24 months
$1,040 Completion Payment
$240 total Programme Fee
0% interest on the Credit Amount
This is an illustrative comparison based on the example shown; product terms and outcomes can vary.
More than credit reporting
Steady Path isn’t just about making payments. Throughout your programme, you’ll have access to tools and support designed to help you develop stronger financial habits.
Practical tools and resources to help you make better financial decisions.
Your payment history is reported to Equifax Canada as you progress through the programme.
See your payments, programme progress and account information in one place.
Access support throughout your programme when you need it.
How Steady Path works
Complete your application and, if approved, review and accept your Steady Path Agreement.
Make your 52 scheduled bi-weekly payments over the 24-month programme. Your payment history is reported to Equifax Canada.
Once you’ve made all 52 scheduled payments and met the Completion Conditions, Steady makes your $1,040 Completion Payment to your verified bank account.
You’re in control
You can cancel your Steady Path Agreement at any time. If you cancel before completion, Steady calculates your Early Closure Payment in accordance with the Agreement and applicable law.
No prepayment penalty. No prepayment charge.
Learn more about cancellationLooking for something simpler?
A straightforward 24-month credit-building programme with lower monthly payments.
