Nyble, Bree and KOHO all offer interest-free cash advances to Canadians. These small, short-term loans provide funds you can use to cover unexpected expenses and avoid bank account NSF fees.
But which is the best cash advance provider? To find out, we’ve compared Nyble vs Bree vs KOHO head to head.
Nyble
| Bree
| KOHO | |
|---|---|---|---|
| Loan amount | $30 – $250 | $20 – $350 | $20 – $250 |
| Loan term | 30 days, extendable, rollovers allowed | Next pay cycle (65 days max) | Flexible |
| Free advance available | Yes | Yes | No |
| Monthly fee | $11.99 for instant advances and other perks | $2.99 monthly membership fee, extra fee for instant advances (varies based on amount) |
|
| Interest rate | 0% | 0% | 0% |
| Speed | Instant approval available, instant funding available for a fee (otherwise up to 3 business days) | Instant approval available, instant funding available for a fee (otherwise up to 3 business days) | Instant approval and funding |
| 24/7 funding | Yes | Yes | Yes |
| Eligibility | Age of majority, linked bank account | Age of majority, linked bank account | Age of majority |
| Income requirements | Must receive direct deposit income of more than $1,000 | Must receive recurring income as direct deposit on consistent dates | None |
| Ease of approval | Easy to get approved | Easy to get approved | Easy to get approved |
| Credit check | Not required | Not required | Not required |
| Application process | Online, Android and iOS app | Online | Online, Android and iOS app |
| Go to siteRead review | Go to siteRead review | Go to siteRead review |
So is Nyble, Bree or KOHO the best cash advance app? It all depends on what features you value most when getting a short-term loan.
Nyble
Bree
Nyble
KOHO
Cash advance apps offer fast access to short-term loans of around $20 to $350. These advances are interest-free and are designed to help you cover essential expenses and get through to your next payday.
There are no credit checks needed to apply, so bad credit or a limited credit history won’t stop you getting funded. Depending on the provider, you may need to pay a small fee to access instant transfers rather than waiting up to three business days to receive your cash. Some providers charge an ongoing monthly membership fee.
The eligibility requirements for cash advances vary between providers. As a general rule, you’ll need to:
Check with your chosen cash advance provider before applying to ensure you’re eligible.
Nyble, Bree and KOHO Cover all offer easy access to small cash advances. Nyble offers the cheapest advances, Bree offers the largest loan amounts and Nyble is the top pick if you want to improve your credit score. If you’re looking for flexible repayments, Nyble and KOHO have you covered.
Compare Nyble vs Bree vs KOHO relative to your specific financial needs to decide which one is right for you.
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