Parcours nouveaux arrivants

Vos 90 premiers jours d’argent au Canada.

Aucun historique de crédit, des frais que personne n’explique, des limites que personne ne mentionne. Douze tâches, une par semaine, dans l’ordre qui fonctionne. Chacune a son guide.

Votre liste · une tâche par semaine

Douze semaines, dans le bon ordre

Touchez une tâche quand elle est faite. La progression reste sur cet appareil. Chaque tâche mène au guide qui l’explique.

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Open a no-fee chequing accountSEMAINE 1Most big-bank newcomer packages waive fees for a year, then charge. Know the date. Guide
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Get your SIN and set up CRA My AccountSEMAINE 2You need both for work, benefits and your TFSA room. Guide
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Set e-Transfer autodepositSEMAINE 3Money lands without a security question. Know your limits too. Guide
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Open a secured or newcomer credit cardSEMAINE 4Credit history starts at zero here. A small limit, paid in full, builds it. Guide
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Pay the card in full, on time, twiceSEMAINE 5Two clean statements is the start of a score. Guide
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Check your credit report for freeSEMAINE 6Make sure the file exists and is yours. Guide
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Open a TFSA and hold your savings inside itSEMAINE 7Interest outside a TFSA is taxed like a paycheque. Guide
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Find the bank fees on your first statementSEMAINE 8Plan fee, NSF, FX. The scan does it in your browser. Free scan
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Set a $1,000 starter emergency fundSEMAINE 9One car repair should not become 20 percent card debt. Guide
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Review subscriptions and price risesSEMAINE 10Three months of statements, anything that repeats. Guide
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Learn what CDIC coversSEMAINE 11Up to $100,000 per category per member bank. Guide
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Set the fee-waiver expiry reminderSEMAINE 12The day the newcomer package ends is the day the fees start. Guide
Et ensuite

Looni choisit votre prochaine étape

Aujourd’hui, c’est une règle fixe : la première tâche non faite dont les préalables sont faits. Avec l’application, Looni apprend de tous ceux qui suivent le même parcours quel ordre fonctionne vraiment, et ajuste le vôtre.

Niveau
ArrivedChickDiverSwimmerGolden Loon
Why this track exists

Nobody explains the fees

From our Reddit reading: no credit history, a newcomer package that quietly expires, e-Transfer limits, which account to open. Every one of those is a week on this list.

Quebec

En français, bientôt

The scan and this track are being translated. Same rules, same order, Quebec institutions included.

For organisations

Settlement agencies and campuses

Share this page with a cohort and we add a private progress view for your advisors, no personal data shared. Email hello@loonifinancial.com.

Founding list

Get the dashboard first, with the newcomer track built in

Founding members get the app in the order they joined. The track, the scan and the Sunday leak check come with it.

Réserver ma place fondatrice Gratuit, toujours. Pas une banque. Rien ne bouge sans vous.