Nyble Credit Line

- Borrow up to $150.00 interest-free
- No credit check
- Flexible loan term
If you don’t have a good credit score or you need to take out a $100 loan fast, a payday loan or cash advance is an option. You can easily complete the process online by providing your basic information, getting a decision right after and receiving your $100 within a few minutes after approval.
This guide covers online lenders offering $100 loans in Canada and what borrowers need to know before applying.
Lender | Loan details | Eligibility requirements | Serviced provinces | |
---|---|---|---|---|
![]() |
No credit check required | No min. income, no NSF transactions in the last 90 days | All provinces and territories. | Go to site |
![]() |
No credit check required | No min. income, no NSF transactions in the last 90 days | All provinces and territories. | Go to site |
![]() |
| Min. $800 income monthly | AB, BC, MB, NB, NS, ON, PEI | Go to site |
![]() |
| Steady income | AB, BC, MB, NB, NS, ON, PEI, SK | Go to site |
![]() |
| Steady income, min. 525 credit score | BC, MB, NL, NS, ON, SK |
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 | $17 | 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 |
It’s not possible to get a guaranteed $100 loan in Canada because legitimate lenders need to review your finances before approving. However, it’s possible to get easy approval even when your financial situation isn’t the best. The lenders above, for example, have flexible eligibility criteria. As long as you have a steady income, whether that’s from employment, government benefits, private pensions and more, you could get approved for a $100 loan.
Also, $100 is considered a small loan, so lenders can be more lenient with their approvals.
You can borrow $100 instantly from payday lenders like Cash Money and cash advance lenders like Nyble. To get instant approval, connect your bank account via bank verification. This allows lenders to quickly verify your income and identity without needing any paperwork from you.
To get instant funding, your bank account needs to be registered for Interac e-Transfer®, which is faster than direct deposit.
Lenders like iCASH and Cash Money offer apps where you can get a $100 payday loan instantly. These Canadian apps allow you to fill out an application, get approval for the $100 cash advance and arrange to have the money transferred to your account all from your phone. You can learn more about payday loan apps in our full guide here.
Yes, you can get a $100 loan with no credit check from cash advance apps like Nyble and Bree. These apps let you borrow small amounts, like $100, at 0% interest without the need for a credit check.
You may have to pay a small fee for the app or for express loan delivery, but getting a no credit check $100 loan from cash advance apps like these is still much cheaper than getting a payday loan.
In Canada “cash advance” is often used interchangeably with “payday loan”, but cash advances from lenders like Nyble and Bree are a different product from payday loans from lenders like iCASH and Cash Money. Both are small, short-term loans but with these key differences:
If you’re searching for $100 payday loans, here are some factors to consider:
Whether you’re applying to a payday lender or cash advance lender, the steps to get a $100 loan are similar:
You can generally get a $100 loan in Canada if you meet the following criteria:
Yes, you can apply for $100 loans with bad credit. Payday loans and cash advances come with minimal eligibility requirements, and sometimes a credit check isn’t even required, so you can borrow $100 even if your credit history isn’t the best.
Keep in mind, loans with easier eligibility requirements cost more overall. Payday loans especially are some of the most expensive loans you can get in Canada, so make sure you can afford the repayments before signing on the dotted line.
Are $100 payday loans the right financial help when you have bad credit? There are a few things to consider.
First, this type of $100 loan is only suitable as a one-time solution for emergencies. If you have structural financial problems that cause you to repeatedly turn to payday loans, you may wish to consider credit counselling or another form of financial assistance.
Second, you’ll want to make sure you can repay your loan on time. Missing the due date on your repayment will result in additional charges, which can add more pressure to your finances.
Third, before accepting a $100 cash advance in Canada, read the payday lender’s terms and conditions so you understand the loan you’re signing up for. For example, in some provinces, lenders must allow you to cancel a payday loan within two business days.
How much you’ll pay for a $100 cash advance in Canada will depend on the type of loan you get. Payday loans cost anywhere from $14 to $17 for every $100 borrowed.
Let’s say you take out a $100 payday loan in Ontario for the two weeks leading up to your payday. Since Ontarian lenders can charge a maximum $15 per $100 borrowed, you’ll pay back $115 from your paycheque. That translates to a whopping 391% APR. For comparison, credit card interest rates are around 20%.
Let’s say you take out a $100 loan from a lender like Nyble and take three months to pay it back. Nyble charges 0% interest – instead you’ll pay a $4.99 - $7.99/month membership fee. A three-month membership costs $15 to $24, which is equal to or more than the payday loan, but you have more flexibility in repaying the $100 and you also gain access Nyble’s other services.
There are a few factors to take into account before getting a $100 loan:
There are several ways to determine if a payday lender is legit.
How to compare your options when you need a $50 instant loan.
If you’re searching for loans like Cash App in Canada, check out these alternatives.
Get cash fast with an e-transfer payday loan in Manitoba.
Compare a selection of loans like iCash.
Legit no refusal loans don’t exist, but check out these reputable lenders that offer fast loans and accept bad credit.
Compare your options for short-term loans in Canada. Apply online and get your money in as little as 1 hour.
Compare eight payday loans in Toronto and learn how to find the right loan for you.
Here are 6 easy loans to get in Canada, but watch out for high interest rates.
Here’s how to get a small $500 loan to see you through until your next payday.
Compare lenders in Canada that can approve you for unemployment loans.