Nyble Credit Line
- Access up to $250 to build credit
- No credit check
- No interest or required fees
6 loans like Dave, Brigit and EarnIn in Canada
Check out these instant loan alternatives.
Dave, Brigit and EarnIn are mobile banking apps that provide access to cash advances of up to $500, with no interest charges or credit checks to worry about.
Unfortunately, these providers aren’t available in Canada. So if you need access to a small loan fast, check out these instant loans like Dave, Brigit and EarnIn.
Cash advances like Dave, Brigit and EarnIn in Canada
1. Nyble Credit Line
Nyble Credit Line
$30 – $250
Loan amount
Loan amount
Starting at 0%
APR
APR
30 days, extendable
Term
Term
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 to use
- Bad credit doesn't matter
- No interest or late fees
- $11.99 per month for fast transfers, full credit report and other premium perks
- Small loan amounts only
| 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
$20 – $250
Loan amount
Loan amount
Starting at 0%
APR
APR
Flexible
Term
Term
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 |
| Serviced provinces | All provinces and territories |
3. Bree Early Pay
Bree Early Pay
$20 – $350
Loan amount
Loan amount
Starting at 0%
APR
APR
Next pay cycle (65 days max)
Term
Term
Bree is a cash advance service that lets you borrow up to $350 to help get through to your next paycheque. You can apply within minutes and there are no interest charges, but there's a small monthly subscription fee plus an extra fee if you want fast access to funds.
- Simple application process
- No interest
- No credit checks
- $2.99 monthly membership fee
- Extra fee for fast transfers
- You have to connect your bank account to Bree's app
| Loan amount | $20 – $350 |
|---|---|
| APR | Starting at 0% |
| Term | Next pay cycle (65 days max) |
| Fees | 0% interest with a $2.99 monthly membership fee |
| 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. |
⚠️ 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. 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. Maximum borrowing costs will vary by province. Review the maximum borrowing cost for your province before entering into a loan agreement.Payday loans like Dave, Brigit and EarnIn
1. iCash
iCash Payday Loan
$100 – $1,500
Loan amount
Loan amount
7 – 62 days
Loan Term
Loan Term
2 minutes
Min. Turnaround Time
Min. Turnaround Time
Next on our list of instant loans like Dave, iCASH is an online payday lender available 24/7. It's possible to access a payday loan within an hour from iCASH and bad credit is accepted.
- Apply, get approved and get funded 24/7
- Fast access to funds
- Flexible eligibility requirements
- High cost of borrowing
- Short loan 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. Cash Money
Cash Money Payday Loan
$100 – $1,500
Loan amount
Loan amount
5 – 40 days
Loan Term
Loan Term
15 minutes
Min. Turnaround Time
Min. Turnaround Time
Cash Money provides payday loans and lines of credit. You can apply online, at a local store or over the phone, with funds available via e-transfer and other methods.
- Range of loan sizes available
- Easy to apply
- Fast approvals
- High APRs
- Not available in all provinces
- Your credit score may be affected
| 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 |
3. PAY2DAY
PAY2DAY Payday Loan
$300 – $1,500
Loan amount
Loan amount
Up to 62 days
Loan Term
Loan Term
60 minutes
Min. Turnaround Time
Min. Turnaround Time
Pay2Day is a payday lender offering loans of $300–$1,500. You can apply online or in store, with online approvals and funding available 24/7.
- Apply online or in store
- Get funds via e-transfer in 1&ndash
- 2 hours
- Bad credit accepted
- Not available in all provinces
- High cost of borrowing
- Short loan terms
| Loan amount | $300 – $1,500 |
|---|---|
| APR | Varies by province |
| Term | Up to 62 days |
| Min. Turnaround time | Within 1-2 hours via e-Transfer once approved |
| Credit Check | No |
FTC taking action against Dave
The US Federal Trade Commission (FTC) has taken action against Dave for charging undisclosed “tips” for its cash advance service and has found many other issues with the app. The FTC has issued a complaint for permanent injunction, monetary judgment and other consumer relief. The fintech is said to be violating the FTC Act and the Restore Online Shoppers’ Confidence Act, as reported by the agency in November 2024.
Reportedly, Dave is not living up to its promises, such as the app claiming consumers can get cash advances up to $500. However, multiple consumers report not ever being offered amounts that high.
Additionally, Dave used to clearly advertise the $1 monthly fee to its consumers. But as of late, Dave is failing to clearly list its $1 monthly fee which it debits directly from consumer accounts.
And perhaps one of the most shocking findings comes from Dave’s claim that it donates a percentage of all consumer tips for its cash advances to help feed hungry children. The app clearly states, “We also provide a meal for every % you tip.” However, it was found that Dave donates just 10 cents for each percentage and it keeps the rest. And reportedly, if you reduce the tip amount to $0, Dave shows a picture of a cartoon child with an empty plate.
How do loans like Dave, Brigit and EarnIn work?
Apps like Dave, Brigit and EarnIn offer short-term loans that allow you to access a portion of your next paycheque, usually between $100 and $500, before you receive it from your employer. This fast access to cash is designed to help you cover any emergency expenses that arise before your next payday. Other similar providers include MoneyLion and Chime.
At the time of writing, Dave, Brigit, EarnIn, MoneyLion and Chime are not available in Canada.
No credit check
There’s typically no credit check to apply, but you’ll need to connect your bank account to the pay advance app. The lender will then assess how much you’re paid and how often to determine the amount you qualify to borrow.
Dive deeper: No credit check loans in Canada
Instant loan for a fee
The funds you borrow are typically available instantly, sometimes for a fee, and you can use the cash to cover your unexpected expenses. No interest is charged on the cash you borrow and your loan repayment is automatically deducted from your bank account when you get your next paycheque.
Many providers don’t charge any late fees, but there may be a monthly subscription fee to access cash advances. Other apps give you the option to leave a tip if you’re happy with the service they provide.
Related: Emergency loans in Canada
Pay advance apps vs payday loan apps: What’s the difference?
Pay advance apps in Canada allow you to borrow a percentage of your salary before it is actually paid into your bank account. On the other hand, payday loan apps are designed to make it convenient to apply for a short-term loan.
Payday loans allow you to borrow up to $1,500 and then repay it over a short period. Terms of up to 62 days are available, but in many cases, the loan repayment will be due on your next payday (hence the name).
Along with short loan terms, the main feature of payday loans is that they’re extremely expensive. Provincial regulations restrict how much lenders can charge you, but you’ll pay $14 to $17 for every $100 borrowed. This commonly results in APRs of 300–400% or more, so it’s worth considering other options before applying through a payday loan app.
How much will a $100 loan cost for loans like Dave, Brigit and EarnIn vs payday loans?
To help you get a better idea of the costs involved, let’s take a look at how a pay advance app compares to the total cost of repaying a $100 loan in Ontario.
| Pay advance app | Payday loan | |
|---|---|---|
| Loan amount | $100 | $100 |
| Loan term | 7 days | 7 days |
| Cost of borrowing | $10.98 ($7.99 monthly fee + $2.99 fee for instant cash) | $15 per $100 borrowed |
| Total cost | $110.98 | $115 |
What to watch out for with payday loans
If you’re thinking of applying for a payday loan, make sure you’re aware of the risks involved with this sort of financing:
- High cost of borrowing. Payday loans are an extremely expensive way to borrow money and commonly have APRs of 300% or more. That’s why it’s important to consider a range of payday loan alternatives before choosing this type of loan.
- Short loan terms. Payday loans are designed to be paid back quickly, often on your next payday. These short terms can make it very difficult to find room in your budget to repay what you borrow. This could lead you to take out another payday loan to pay off the first loan and you could soon be stuck in a cycle of debt.
- Sketchy lenders. The payday lending sector also attracts its fair share of disreputable lenders. Make sure you only ever deal with a lender who is licensed to provide payday loans in your province. Watch out for any red flags that could indicate a payday loan scam.
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