5 apps like Bree in Canada

Bree is an online-only lender that provides cash advances of up to $350. Launched in 2021, it aims to provide Canadians with a low-cost way to avoid overdrafts and NSF fees.

If you’d like to explore apps or sites similar to Bree, check out our list below. Some of these providers offer higher loan amounts and instant funding 24/7, but they also charge higher interest rates.

Jump to:

• Cash advance apps like Bree
• Payday loan apps like Bree

Cash advance apps like Bree in Canada

1. Nyble

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Nyble Credit Line

$30 – $250
Loan amount

Starting at 0%
APR

30 days, extendable
Term

• Info
• Pros + Cons
• Details

Apply online for an interest-free line of credit of up to $250 to cover small expenses and build your credit. Get funds in 1-3 business days with a free account. For $11.99 per month, get access to premium services, including funding in 1-30 minutes, a free Equifax credit report and identity theft protection.

• Easy application process
• No credit checks
• No interest
• Can improve your credit score
• Roll over your loan

• Loan amount may not be enough for your needs
• $11.99 per month for fast transfers and other premium perks

Loan amount	$30 – $250
APR	Starting at 0%
Term	30 days, extendable
Fees	0% interest with optional fees
Origination fee	$11.99
Turnaround time	1-30 minutes with a paid membership or 1-3 business days with a free membership.

2. KOHO

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KOHO Cover

$20 – $250
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Pros + Cons
• Details

Get a zero-interest cash advance ranging from $20 to $250 when you pay a 0% interest with a subscription fee starting at $2/month. You'll need a KOHO account to access this service.

• No late fees
• Zero interest
• No impact to credit score
• Free financial coaching available

• KOHO account required

Loan amount	$20 – $250
APR	Starting at 0%
Term	Flexible
Fees	0% interest with a subscription fee starting at $2/month
Turnaround time	Immediately

Payday loan apps like Bree

Note: Bree is not a payday loan, but it does have features similar to payday loans. Compare your payday loan options below.

1. iCash

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iCash Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Like Bree, iCash offers a quick, paperless application process. You can borrow up to $1,500 and get e-Transfer funding in as little as 2 minutes after approval. iCash provides payday loans, so watch out for high interest rates.

• 4.6/5 stars based on over 2,400 Trustpilot reviews
• Funding within an hour
• 24/7 approvals and funding

• Payday loans are expensive
• Short repayment terms
• Not available in all provinces

Loan amount	$100 – $1,500
APR	Varies by province
Term	7 - 62 days
Min. Turnaround time	As little as 2 minutes with Interac e-Transfer
How to apply	Online In Store
Credit Check	Yes

2. Wagepay

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Wagepay Wage Advance Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Wagepay is a new payday lender that launched in Canada in 2020. Like Bree, you can get 24/7 approval and funding without needing to go through a credit check. It's also cheaper than other payday loans in Canada, but it's still a very expensive option overall.

• iOS and Android apps available
• Instant process
• Bad credit is okay

• Very expensive
• Not available in all provinces

Loan amount	$100 – $1,500
APR	Varies by province
Term	Up to 62 days
Min. Turnaround time	As little as 2 minutes with Interac e-Transfer
How to apply	Online
Credit Check	No

3. Cash Money

Read review

Cash Money Payday Loan

$100 – $1,500
Loan amount

5 – 40 days
Loan Term

15 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Cash Money's app offers fast approval and funding like Bree. However, Cash Money's loans are payday loans, which have higher loan amounts and higher interest rates.

• 4.4/5 stars based on more than 3,800 Trustpilot reviews
• Instant decisions
• Funding in as little as 15 minutes via Interac e-Transfer&reg
• Established lender with A+ Better Business Bureau (BBB) rating

• Not available in all provinces
• High cost of borrowing

Loan amount	$100 – $1,500
APR	Varies by province
Term	5 - 40 days
Min. Turnaround time	As little as 15 minutes with INTERAC e-Transfer
How to apply	Online In Store
Credit Check	Yes

How does Bree compare?

You can read our Bree review for details, but here are the highlights:

Which apps are most similar to Bree?

Nyble and KOHO are apps most similar to Bree. Like Bree, these apps offer small loan amounts and don’t charge any interest. Payday loan apps like Cash Money and iCash offer higher loan amounts and faster funding, but you’ll pay $14 to $17 for every $100 borrowed depending on where you live, which works out to annual percentage rates in the triple digits.

Payday loan apps vs cash advance apps like Bree

How do I sign up for apps like Bree?

Sites like Bree require the following information:

• Name, email address and phone number
• Date of birth
• Linked bank account via bank verification

How do I get approved for sites like Bree?

Apps like Bree usually don’t involve any credit checks, but lenders will still need to verify that you can pay back their loan. To get approved for loans offered by these lenders, show them that your bank account doesn’t have NSF transactions in the last 60 to 90 days and it has regular income deposits from valid sources, such as employment, government benefits and private pensions.

Bottom line

Bree is a lender in Canada that offers small loans to help you pay for unexpected bills and avoid overdrafts. It charges no interest, but there’s a $2.99 monthly membership fee. If Bree isn’t an option for you, consider apps most similar to Bree, such as Nyble or KOHO.

These apps typically max out at $350, so if you need to borrow more as soon as possible, payday loan apps are an option. You can get a payday online in less than an hour, but the price for this convenience is high interest rates.

Written by

Leanne Escobal

Publisher

Leanne Escobal is a publisher for Finder. She has spent over 11 years working with financial products and services, specializing in content and marketing. Leanne has completed the Canadian securities course (CSC®) as well as the personal lending and mortgages course by the Canadian Securities Institute. She has a Bachelor of Arts (Honours) in English literature and creative writing from Western University. See full bio