Bree Early Pay
- Borrow up to $350
- No interest, $2.99 monthly membership fee
- No credit history required
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.
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.
Loan amount | $100 – $1,500 |
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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 |
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 |
Loan amount | $100 – $1,500 |
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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 |
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 |
Loan amount | $30 – $150 |
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APR | Starting at 0% |
Term | 30 days, extendable |
Fees | No interest or fees to access credit, optional $11.99/month membership for premium services like instant funding |
Origination fee | $11.99 |
Turnaround time | 1-30 minutes with a paid membership or 1-3 business days with a free membership. |
Loan amount | $20 – $350 |
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APR | Starting at 0% |
Term | Next pay cycle (61 days max.) |
Fees | No interest for cash advances but a $2.99 monthly membership fee applies, fee for express funding (varies based on advance) |
Turnaround time | Within 8 hours with express delivery (fee is based on the advance amount) and up to 3 business days for standard delivery |
Loan amount | $20 – $250 |
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APR | Starting at 0% |
Term | Flexible |
Fees | subscription fee starting at $2/month |
Turnaround time | Immediately |
Serviced provinces | All provinces and territories |
Loan amount | $500 – $1,000 |
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APR | 28% – 32% |
Term | 3 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) |
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.
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.
We compare Nyble, Bree and KOHO cash advances based on their cost, speed, eligibility criteria and more.
Compare KOHO alternatives for when you need fast access to a short-term loan.
Your guide to getting an interest-free cash advance of up to $250 with KOHO Cover.
If you’re searching for apps or loans like Cash App in Canada, check out these alternatives.
Cash advance service Bree allows you to borrow up to $350 with no interest and no late fees.
Compare some of the best instant loans in Canada.
On a limited disability income? You still have options when you need a little extra cash.
The lenders and loans to consider when you need a short-term cash loan.
Find out where you can apply online for ODSP loans and get funded on the same day.
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.