6 loans like Dave, Brigit and EarnIn in Canada

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

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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 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

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$20 – $250
Loan amount

Starting at 0%
APR

Flexible
Term

• Our Take
• 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
Serviced provinces	All provinces and territories

3. Bree Early Pay

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Bree Early Pay

$20 – $350
Loan amount

Starting at 0%
APR

Next pay cycle (65 days max)
Term

• Info
• Pros + Cons
• Details

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.

Payday loans like Dave, Brigit and EarnIn

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

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

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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 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

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PAY2DAY Payday Loan

$300 – $1,500
Loan amount

Up to 62 days
Loan Term

60 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

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

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.

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.

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.

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.

Frequently asked questions

• Where can you get instant loans like Dave?

  In Canada, you can access instant loans like Dave through pay advance services such as Nyble and Bree. Some online lenders also allow you to apply for a payday loan and get the funds you need within an hour or two, but make sure you're aware of the cost of a payday loan before you apply.

• Where can you get small loans?

  You could apply for a small personal loan from an online lender, use a pay advance service to borrow a portion of your next paycheque or access a cash advance from your credit card. If you've explored all other options, you could also consider applying for a payday loan. Find out more in our small loans guide.

• Is Dave available in Canada?

  No. Dave is only available in the US, not in Canada.

• Is Brigit available in Canada?

  No, Brigit is not available in Canada. However, there are other pay advance apps like Brigit available in Canada such as Nyble and Bree.

• Is EarnIn available in Canada?

  No, EarnIn is not available in Canada. You cannot access the EarnIn app outside the United States.

To make sure you get accurate and helpful information, this guide has been edited by Leanne Escobal as part of our fact-checking process.

Written by

Tim Falk

Writer

Tim Falk is a freelance writer for Finder. Over the course of his 15-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio