Apply online for up to $5000 to help cover a short-term expense before your next paycheque. If approved, review the full borrowing cost and repayment date before accepting an offer.
Submit a request$400 to $5,000
Amounts available
Tell us how much you’d like to borrow and complete a few details online. A lender will review your request and, if approved, provide an offer outlining the amount, borrowing costs and repayment date. Review the terms, sign the agreement and receive your funds once processing is complete.
Apply Cash Loans TodayNo obligation, no impact to your credit.
Employment, self-employment, pension and benefits qualify, depending on the lender.
Have an active bank account in your name for income verification, funding and repayments.
Meet the lender’s age and Canadian residency requirements, provide valid identification and demonstrate an ability to repay.
Payday loans aren't offered in Quebec. See all of Canada
Installment loans are repaid through scheduled payments over an agreed term. The payment amount and total borrowing cost depend on the loan amount, interest rate, repayment period and applicable fees.
Illustrative example: $1,500 repaid monthly at a fixed annual interest rate of 29.99%, with no additional fees.
Illustrations use a $1,500 loan at a fixed annual interest rate of 29.99%, with monthly payments and no additional fees.
We’ve got you covered. See all FAQs
Bad credit limit your options, but it does not automatically rule out every loan. Some lenders consider your income, existing debts and ability to repay alongside your credit history. Approval, rates and available amounts depend on their assessment.
No. “No refusal” is a search term, not a promise of approval. A lender can decline an application after reviewing eligibility, income and affordability. Be cautious of anyone promising a loan before checking your circumstances.
It depends on the lender and the type of check. A soft inquiry generally does not affect your score, while a hard inquiry may. Most personal-loan lenders check credit, so ask which inquiry will be used before proceeding.
A payday loan is a short-term, usually repaid around your next payday. An installment loan spreads repayment over a longer period through scheduled payments. Compare the total repayment amount as well as the payment size before choosing.
A longer term can lower each payment, but it may increase the total interest paid. Choose a payment that fits your budget while checking how much the loan will cost over its full term.
Plain-language guides on payday loans, credit and borrowing in Canada.
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START NOWYour credit history is only part of the picture. Explore personal loan options based on your income and financial circumstances, with clear information to help you decide. Approval depends on the lender’s assessment.
