Compare loans like Check Into Cash

Check Into Cash is a bad credit lender that offers payday loans from $50 to $1,500 and installment loans as high as $5,000, depending on your state. It can get you a loan as soon as the same day if you apply at a location — or within 1 to 2 business days if you apply online. But since Check Into Cash is not available to Canadians, we’ve rounded up a list of other payday, cash advance or installment loan lenders you can apply for in Canada.

Is Check Into Cash in Canada?

No, Check Into Cash is not available in Canada. It is only available to US residents with over 300 stores exclusively located in select states across America. Residents in those states can often apply online or in store.

Payday loans like Check Into Cash

• Alternative for fast payday loans: iCash
• Alternative for emergency loans: GoDay
• Alternative for in-store payday lender: Cash Money

Cash advances like Check Into Cash

• Alternative for flexible repayments: Nyble
• Alternative for no credit check cash advances: KOHO
• Alternative for fee-free pay advance: Bree

Installment loans like Check Into Cash

• Alternative for installment loans: LoansLoans.ca

Compare payday loans like Check Into Cash

Alternative for fast payday loans: iCash

Go to site Read review

iCash Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

iCash provides quick funding and accepts non-employment income. You can get e-Transfer funding in as little as 2 minutes after approval. Similar to Check Into Cash, iCash provides payday loans so you can borrow more but at higher rates.

• 4.8/5 stars based on over 2,100 Trustpilot reviews
• Get money within an hour
• Get funded 24/7

• Payday loans are expensive
• Short repayment terms
• Only available in AB, BC, MB, NB, NS, ON, PEI

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

Alternative for emergency loans: GoDay

Go to site Read review

GoDay Payday Loan

$100 – $1,500
Loan amount

1 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

GoDay offers payday loans you can apply for and get approved for within minutes. Once approved, loan funds can be transferred within minutes. Like Check Into Cash, GoDay offers payday loans, which means you can borrow up to $1,500.

• 4.5/5 stars based on over 2,300 Trustpilot reviews
• Get loan funds via e-transfer
• Apply and get funding 24/7

• Very expensive APR
• Can easily trap customers in a cycle of debt
• Only available in AB, BC, MB, NB, NS, ON, PEI, SK

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 In Store
Credit Check	Yes

Alternative for in-store payday lender: 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

Through its payday loans, Cash Money offers similar loan amounts and rates to Check Into Cash. Get instant approval and funding in as little as 15 minutes when you use the Cash Money app.

• Instant decisions
• Fast access to funds
• Established lender with A+ Better Business Bureau 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

Compare cash advances like Check Into Cash

Alternative for flexible repayments: Nyble

Go to site Read review

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. Repay your loan by your next payday or extend the deadline.

• No credit check required
• No application fee
• No late payment fee
• More affordable than payday loans

• $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.

Alternative for no credit check cash advances: KOHO

Go to site

$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
• 0% interest
• No impact on credit score
• Free financial coaching service

• KOHO savings 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

Alternative for fee-free pay advance: Bree

Go to site Read review

Bree Early Pay

$20 – $350
Loan amount

Starting at 0%
APR

Next pay cycle (65 days max)
Term

• Info
• Pros + Cons
• Details

Bree lets you borrow a small amount of up to $350 to help you cover expenses until your next payday. Unlike Check Into Cash, Bree won't charge any interest, but there is a small monthly subscription fee plus an extra fee if you need funding within a few hours.

• Easy application process
• No credit checks
• 0% interest and no late fees

• $2.99 monthly membership fee
• Loan amount may not be enough for your needs
• Extra fee for fast transfers
• May not improve your credit

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.

Compare loans like Check Into Cash

Alternative for installment loans: LoansLoans.ca

Finder Score:

★★★★★

Go to site

$500 – $1,000
Loan amount

28% – 32%
APR

3 - 12 months
Term

• Info
• Pros + Cons
• Details

LoansLoans.ca offers fast short-term installment loans with no credit check. NCR Financial, the company that operates LoansLoans.ca, has been in business for over 15 years and is registered in Quebec.

• Apply online and get approval within one hour
• Interest rates can reach as high as 32%, which may be lower than Check Into Cash
• Services: All of Canada (except Manitoba)

• Small loan amounts between $500 and $1,000
• The broker fee can be as high as $300

Loan amount	$500 – $1,000
APR	28% – 32%
Term	3 - 12 months
Min. credit score	300
Fees	Late payment fee (2.66% per month), $45 NSF fee, broker fee
Origination fee	$300
Turnaround time	Receive funds in less than 24 hours
Serviced provinces	All of Canada (except Manitoba)

How does Check Into Cash compare?

Check Into Cash offers payday, installment and title loans or flex lines of credit. Here are the main highlights:

See how other top payday loan providers compare in our full guide to the best payday loans in Canada here. Or, you can explore cheaper, smaller loan options by visiting our guide to pay advances.

How to decide which Check Into Cash alternative is right for you

Since Check Into Cash isn’t an option for us Canadians, it’s important to decide on the right alternative for your needs.

You’ll first need to decide what type of loan to apply for given how much you need. If you need just a small amount to get you through to the next payday, consider a pay advance loan from Nyble or Bree.

If you need to borrow a larger amount and your credit score isn’t in great shape, consider bad credit installment loans from lenders like LoansLoans.ca. As a last resort, consider payday loan providers like GoDay and iCash, which offer online applications and fast loan turnarounds of up to $1,500.

It’s usually best to avoid payday loans when possible because they’re one of the most expensive borrowing options on the market and can easily trap borrowers in a cycle of debt.

Written by

Chelsey Hurst

Publisher

Chelsey Hurst is a publisher at Finder, specializing in banking and investments. She loves empowering people to avoid financial pitfalls and make better decisions with their money. Chelsey has a Bachelor of Science from Redeemer University, a Master of Science from McMaster University, and has won multiple awards for research communication. In her spare time, Chelsey enjoys cooking and taking long walks in nature. See full bio

Co-written by

Kat Aoki

Writer

Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Forbes Advisor, Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

Kat's expertise

Kat has written 12 Finder guides across topics including:

• Mortgages
• Home equity loans
• Mortgage refinancing