Want to get money now with no credit check? You may be able to get no-credit-check loans the same day or slightly later from cash advance apps or payday loan providers. Whether you’re looking to borrow $100, $500, $1,000 or more, compare lenders that offer no credit check instant loans and funding within several business days.
Get cash advance loans online with no credit check
These lenders offer cash advance loans with no credit check. But you may need to pay a monthly subscription fee, and there may be extra charges for express transfers and other perks.
Nyble provides interest-free lines of credit of up to $150, and you don't need a credit check to apply. Plus, you won't have to worry about any late fees. Repayment for this short-term loan are automatically deducted on your next payday, but you can extend the deadline as much as needed.
No interest charges
No hidden fees
Easy to apply
Can improve credit score
$11.99 per month fee for instant transfers
Small loan amounts
Loan amount
$30 – $150
APR
Starting at 0%
Term
30 days, extendable
Fees
0% interest and no fees to access credit, optional $11.99/month membership for premium services like instant funding
Turnaround time
1-30 minutes with a paid membership or 1-3 business days with a free membership.
Stay out of the overdraft and avoid interest charges with a Bree short-term loan. Bree makes it easy to qualify with no minimum income requirement. But you'll have to pay a $2.99 monthly membership fee plus an additional fee for same-day funding, which varies based on your loan amount.
Easy to apply
0% interest
No late fees
No credit check
$2.99 monthly membership fee
Small loan amounts (up to $350)
Extra fee for same day funding
Loan amount
$20 – $350
APR
Starting at 0%
Term
Next pay cycle (61 days max.)
Fees
0% interest for cash advances but a $2.99 monthly membership fee applies, fee for express funding (varies based on advance)
Turnaround time
Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and up to 3 business days for standard delivery.
KOHO Cover is a convenient alternative to traditional overdraft protection. Like other cash advances, you don't pay interest or late fees and there's no credit check required to qualify. Borrow up to $250 instantly through the KOHO app, or withdraw funds from an ATM. One of the best parts is that you don't have to pay within a specific time frame.
No interest charges
No hidden fees
Fast funding
Requires KOHO membership plan
Cover monthly fee
Limited to $250 maximum
Loan amount
$20 – $250
APR
Starting at 0%
Term
Flexible
Fees
subscription fee starting at $2/month
Turnaround time
Immediately
Serviced provinces
All provinces and territories
How do cash advance apps work?
Cash advance apps are generally user-friendly. You download the app and link your external bank account. Provide basic personal information and verify your identity and bank account details. You may also be required to have direct deposit enabled to qualify for an advance, but in most cases, there’s no credit check.
Once the app provider determines you qualify for a cash advance, you can usually request as much as you want up to your approved borrowing limit. Borrowing limits may be low at first but could increase with activity. In most cases, you’ll repay the loan on your next payday. Some apps let you choose a repayment date, which is normally within two weeks of getting an advance.
Pros and cons of using cash advance apps with no credit check
Cash advance apps are convenient and typically cheap, but there are some drawbacks.
Pros
No credit checks. Most apps don’t require credit checks, but some still help you build or repair credit.
Fast funding. If you don’t mind paying a small fee to expedite the transfer, you could have a loan in minutes. Some apps offer fast funding at no extra cost.
Easy lending requirements. Typically, you only need recurring income, a bank account and Canadian residency to qualify for a cash advance via mobile app.
No interest charges. Most cash advance apps don’t charge interest or NSF fees.
Cons
Small loan amounts. Cash advance apps typically only offer loan amounts up to a few hundred dollars.
Subscription fees. Having to pay monthly subscription fees could be a deterrent to some users. However, not all apps have a subscription fee.
Fees for expedited transfers. If you need the funds immediately, you may need to pay a small fee for instant transfers.
⚠️ Warning: Be cautious with payday loans
High-cost payday loans are unsustainable for borrowing over a continued period of time and are expensive as a means of longer-term borrowing. View payday costs and regulations by province here. If you're experiencing financial hardship call Credit Counselling Canada for free financial counselling (Monday-Friday 8:00am-5:00pm at +1 866-398-5999). You may also want to consider payday loan alternatives.
Get payday loans with no credit check
Like cash advances, payday loans are easy to qualify for. But fees are much higher, with APRs ranging from around 390% to 780%. This type of funding is best used as a last resort. Make sure the fees and short repayment term fit within your budget before applying.
iCash provides fast payday loans in Canada with instant application decisions and 24/7 funding via e-Transfer. Apply via mobile app in minutes. iCash accepts many types of income, including government benefits and social assistance.
Instant application decision
Round-the-clock customer care
Accepts borrowers with bad and no credit
Quick funding via e-Transfer
Extremely high fees
Terms of 2 weeks up to 62 days, depending on where you live.
Get a payday loan from Money Mart online or in-person at one of 500+ locations across Canada. Loan amounts range from $120 to $1,500, and it's possible to get no credit check loans the same day. Money Mart also offers installment loans, business loans, money transfers and prepaid credit cards.
Apply online or in-person
Fast approval
Receive funds in cash or via transfer
Very high interest rate
Short repayment terms
Not available across Canada
Loan amount
N/A
APR
N/A
Term
1 - 62 days
Turnaround time
As little as 1 hour after getting approved
Maximum borrowing costs of payday loans per province
Always refer to your contract for exact repayment amounts and costs.
Province
Max. cost of borrowing a $100 payday loan
Cooling off period to cancel loan
Max. penalty for returned cheque or pre-authorized debit
Alberta
$15
2 business days
$25
British Columbia
$15
2 business days
$20
Manitoba
$17
48 hours excluding Sundays and holidays
$20
New Brunswick
$15
48 hours excluding Sundays and holidays
$20
Newfoundland and Labrador
$14
2 business days
$20
Nova Scotia
$15
Next business day (2 days for online loans)
$40 (default penalty)
Ontario
$15
2 business days
$25
Prince Edward Island
$15
2 business days
N/A
Quebec
Limit of 35% AIR
N/A
N/A
Saskatchewan
$17
Next business day
$25
14 popular payday loans and cash advances with no credit check required
You don’t need a credit check to use any of these cash advance or payday loan apps. Compare loan providers to get no credit check loans the same day or within several business days.
Cash advance apps
Pay advance app
Loan amount
Cost
Turnaround time
Credit Line
$30 – $150
0% interest and no fees to access credit, optional $11.99/month membership for premium services like instant funding
1-30 minutes with a paid membership or 1-3 business days with a free membership.
Varies by province (refer to the table above for rates by province)
24-hour application process with funding on the spot for in-person payday loan approvals, and up to 1 business day to e-Transfer for online applications
Payday loans. A payday loan is often considered a last resort due to high rates and fees and the risk of falling into a debt cycle. However, loan amounts can be higher, and they’re typically easy to qualify for as long as you have a job.
Credit card cash advances. With a credit card, you can get a cash advance from a bank or ATM with no credit check or hassle, but the interest rate is usually higher than the regular purchase rate.
Personal loans. You may want to consider a personal loan if you need a larger loan amount. Online lenders typically provide funding within a day or two and may have more competitive rates.
Bottom line
Cash advance loans with no credit check can be an excellent convenience when you require short-term loans and need funds right away. While most cash advance apps don’t require a credit check to qualify, it’s always a good idea to check the fine print to be sure.
It’s also a smart move to consider multiple apps and compare subscription fees, eligibility requirements and fees for expedited transfers to find the one that makes the most sense for you.
Frequently asked questions
Downloading cash advance apps can be done in minutes, and you might even be eligible for no credit check loans same day. But it could also take extra time to verify your identity and banking information before you can request an advance, especially if you don't have all the required information on hand when you apply.
Some cash advance apps start users at small loan amounts, like $10 or $20. However, as you continue to use the app and repay small advances, your borrowing limit should increase accordingly.
Unfortunately, not all borrowers are eligible for cash advances. For example, if the app requires direct deposit for paycheques—and you don't have this set up—you may need to find an app that doesn't require direct deposit. Another possibility is that you don't meet minimum income requirements. Make sure you report all eligible income sources to increase your chance of getting approved.
Stacie Hurst is an editor at Finder, specializing in a wide range of topics including loans, banking products, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she completed one year of law school in the United States before deciding to pursue a career in the publishing industry. When not working, Stacie can usually be found watching K-dramas or playing games with her friends and family. See full bio
Lacey Stark is a freelance personal finance writer for Finder, specializing
in banking, loans, investing, estate planning, and more. She has 20
years of experience writing and editing for magazines, newspapers, and
online publications. A word nerd from childhood, Lacey officially got her
start reporting on live sporting events and moved on to cover topics
such as construction, technology, and travel before finding her niche in
personal finance. Originally from New England, she received her
bachelor’s degree from the University of Denver and completed a
postgraduate journalism program at Metropolitan State University also
in Denver. She currently lives in Chicagoland with her dog Chunk and
likes to read and play golf. See full bio
Borrowing $100 can be a quick and easy process. This guide covers how you can get a small loan in Canada, including benefits, drawbacks and eligibility requirements.
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