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Fast cash for life's surprises

Request $100 to $1,500 in minutes. We connect you with lenders across Canada, and if you're approved, money can arrive by Interac e-Transfer.

Check if you qualify

Free to request. Takes about 5 minutes.

FlexiNest is not a lender
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LoansFor bills, repairs, rent and moreLearn more CalculatorSee the cost before you applyTry it

Clear, simple and built for Canadians

$14 per $100The most a payday lender can chargeSee the math
Open 24/7Send your request any time, onlineHow it works
$0 to use FlexiNestOur service is free for youRead the FAQs
9:41 Hi there! Your request is on its way Payday loan Amount$500 Lender matchFound $

Your loan request, right in your pocket

Apply from your phone, tablet or computer in about 5 minutes. No paperwork and no branch visit.

Start my request

FlexiNest is free to use. Lenders set their own terms.

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Short-term loans for real-life moments

  • From $100 to $1,500No collateral needed to cover bills, repairs, rent and more
  • Fast fundingBy Interac e-Transfer or direct deposit, if you're approved
  • Costs you can seeYour lender shows the full cost before you sign
Apply nowLearn more

Getting started is easy

  1. 1
    Tell us what you need

    Pick an amount and share a few details about you, your income and your bank.

  2. 2
    Get matched with a lender

    FlexiNest isn't a lender. Lenders in our network review your request and decide.

  3. 3
    Review, sign and get paid

    Check the offer first. If you accept, funds are sent to your bank account.

Start my requestHow it works
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Loan options for every situation

Payday loansCover an urgent expense and repay on your next payday.Learn more Instant e-Transfer loansApproved funds go straight to your bank by e-Transfer.Learn more Bad credit loansMany lenders look at your income, not just your score.Learn more ODSP payday loansOptions for Ontario residents whose income includes ODSP.Learn more

Find the rules for your province

British ColumbiaSee the rules

Payday loans aren't offered in Quebec. See all of Canada

Know what you'll pay, upfront

Since January 1, 2025, payday lenders in Canada can charge at most $14 for every $100 you borrow, on loans up to $1,500 and 62 days. Some provinces set lower limits.

Payday loans cost more than a bank loan. Borrow only what you can repay on your next payday.

Try the calculatorBorrow responsibly
You borrowMax feeMost you'd repay
$300$42$342
$500$70$570
$1,000$140$1,140
$1,500$210$1,710

Examples use the federal maximum. Your lender shows the exact cost before you sign.

That covers the basics

Still have questions? Here are a few we hear a lot. See all FAQs

Is FlexiNest a lender?

No. FlexiNest is a free loan connection service. We pass your request to third-party lenders, and they decide whether to approve you and on what terms.

How much can I borrow?

You can request $100 to $1,500. The amount a lender offers depends on your income, your banking history and the rules in your province.

How fast will I get the money?

If you're approved and accept the offer, many lenders send funds by Interac e-Transfer, often the same day. Timing depends on the lender and your bank.

Can I get a loan with bad credit?

Possibly. Many lenders focus on steady income and banking history rather than your credit score alone. Approval is never guaranteed.

What will the loan cost?

Payday lenders can charge at most $14 per $100 borrowed, and some provinces set lower limits. Your lender must show you the full cost before you sign.

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Guides and tips

Latest from our blog

Plain-language guides on payday loans, credit and borrowing in Canada.

See all articles

Ready when you are

See if a lender can help you today. It's free to ask.

Check if you qualify

FlexiNest.ca is not a lender and does not make credit decisions. We may be paid by lenders when you're matched. Loan offers, costs and terms come from the lender, and your agreement is with them. Read our disclaimer.