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
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.
Examples use the federal maximum. Your lender shows the exact cost before you sign.
Still have questions? Here are a few we hear a lot. See all FAQs
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.
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.
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.
Possibly. Many lenders focus on steady income and banking history rather than your credit score alone. Approval is never guaranteed.
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.
Plain-language guides on payday loans, credit and borrowing in Canada.
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Check if you qualifyFlexiNest.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.
