5 apps like Nyble in Canada

Nyble is a new company in Canada that offers credit lines of up to $150 to help you access funds fast and avoid overdrafts.

If you’d like to consider options other than Nyble, we’ve compiled a list below of apps or sites like Nyble. These providers offer rapid emergency funding, but you may pay more in interest.

Apps like Nyble in Canada

1. Bree

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Bree Early Pay

$20 – $200
Loan amount

Starting at 0%
APR

Next pay cycle
Term

• Info
• Features
• Details

Similar to Nyble, Bree lets you borrow a small amount of up to $200 to help you cover expenses until your next payday. You won't have to pay any interest, but there is a small fee if you need funding within a few hours.

• Easy application process
• No credit checks
• 0% interest and no late fees

• Loan amount may not be enough for your needs
• Monthly fee for Bree's budgeting tool
• Fee for fast transfers
• May not improve your credit, unlike Nyble

Loan amount	$20 – $200
APR	Starting at 0%
Term	Next pay cycle
Interest Rate Type	Fixed
Fees	No interest or mandatory fees
Turnaround Time	Less than eight hours if you pay a $1.99–$6.99 fee or up to three business days.

2. KOHO

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KOHO Save

2%
Interest Rate

$0
Account Fee

$0
Transaction Fee

• Info
• Pros + Cons
• More Details

KOHO offers Instant Pay, which allows you to access up to 50% of your pay for every day you work. Like Nyble, KOHO doesn't charge any interest. However, to qualify for Instant Pay you'll need to sign up for a KOHO savings account with active payroll deposits and get your employer to share payroll information with KOHO.

• No interest
• Free for employer to sign up
• Cheaper than a payday loan
• Fast access to funds

• Your employer must sign up for it

Min. Age	18
Account Fee	$0
Transaction Fee	$0
Interac e-Transfer Fee	$0
NSF Fee	$0

3. iCASH

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iCASH Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Features
• Details

iCASH provides quick funding and accepts non-employment income like Nyble. You can get e-Transfer funding in as little as 2 minutes after approval. Unlike Nyble, iCASH provides payday loans so you can borrow more but at higher rates.

• 4.8/5 stars based on over 2,100 Trustpilot reviews
• Get money within an hour
• Get funded 24/7

• Payday loans are expensive
• Short repayment terms
• Not available in all provinces

Loan amount	$100 – $1,500
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

4. Cash Money

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Cash Money Payday Loan

$100 – $1,500
Loan amount

5 – 40 days
Loan Term

15 minutes
Min. Turnaround Time

• Info
• Features
• Details

Cash Money offers higher loan amounts (and higher rates) than Nyble through its payday loans. Get instant approval and funding in as little as 15 minutes when you use the Cash Money app.

• Instant decisions
• Fast access to funds
• Established lender with A+ Better Business Bureau rating

• Not available in all provinces
• High cost of borrowing

Loan amount	$100 – $1,500
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

5. Pay2Day

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PAY2DAY payday loan

$300 – $1,500
Loan amount

Up to 62 days
Loan Term

60 minutes
Min. Turnaround Time

• Info
• Features
• Details

Pay2Day is another Nyble alternative that offers instant loans through its app. Like Nyble, you won't have to undergo a credit check to get approved and Pay2Day is open to many types of income.

• Get cash in 1-2 hours
• 4.8/5 stars based on over 4,200 Trustpilot reviews
• 24/7 online approvals and funding

• Not available in all provinces
• High cost of borrowing
• Short loan terms

Loan amount	$300 – $1,500
APR	Varies by province
Term	Up to 62 days
Min. Turnaround time	Within 1-2 hours via e-Transfer once approved
Credit Check	Yes

How does Nyble compare?

You can read our Nyble review for details, but here are the highlights:

How does Nyble compare with payday loan apps?

Nyble, and apps most similar to Nyble, have several similarities and differences with payday loan apps:

Similarities

• Fast funding. With both types, it’s possible to get your money within 30 to 60 minutes of applying.
• Flexible requirements. You can qualify using government benefits or private pensions as income and sometimes you won’t need to go through a credit check.
• Easy online application. Use the app to apply for funding within minutes.

Differences

• Payday loans are more expensive. You’ll pay $14 to $17 for every $100 borrowed, which works out to annual percentage rates (APRs) in the triple digits.
• Payday loans have higher loan amounts. You can borrow up to $1,500, while apps like Nyble usually cap at $150 to $200.
• Payday loans are faster. You can get instant approval and funding 24/7 with some payday lenders.
• Payday loans do not allow rollovers. With Nyble, if you don’t have enough money to repay your loan, you can choose to repay it next month or the month after. Payday lenders cannot offer this.

How do I sign up for apps like Nyble?

To sign up for Nyble or apps like Nyble in Canada, you’ll need to provide:

• Name, email address and phone number
• Date of birth
• Bank account details (must have active deposits)
• Proof of ID

Bottom line

Nyble is one of a few companies in Canada that allow you to borrow a small amount with no interest. If you’re looking for apps most similar to Nyble, consider Bree and KOHO. Other apps that provide quick funding for emergencies include Cash Money, iCASH and Pay2Day, but these loans will cost you more.