Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Bree review

Get an interest-free cash advance of up to $100 to help you get through to your next paycheque.

No reviews yet. Write a review
Please note: All information about Bree has been collected independently by Finder and this product is not available through this site.

Our verdict

Bree offers cash advances of up to $150 to help you avoid bank account overdraft fees. It's quick and easy to apply for a Bree cash advance online within minutes, and you don't need to complete a credit check. You also won't pay any interest on the amount you borrow. However, be aware that you'll need to pay a fee if you want fast access to your funds, and Bree also charges a monthly subscription fee for its budgeting tool.

Best for: People who need a small loan with no interest and no credit checks.

  • Easy to apply
  • 0% interest
  • No late fees
  • No credit check required
  • Monthly membership fee for its budgeting tool
  • A fee applies if you want an instant transfer
  • You'll need to connect your bank account to the Bree app
  • Small loan amounts won't suit everyone
  • New company with limited reviews
Learn more

Loan Amount

$10 - $150

Interest Rate


What is Bree?

Bree is a Y Combinator startup that was founded in 2021. It offers interest-free cash advances to help you avoid bank overdraft and NSF fees when you get low on funds. Bree says its mission is to help Canadians move towards financial wellness.

Is Bree legit?

Bree is based in Vancouver and has LinkedIn and Crunchbase profiles. Its website also features the usual legal documents you’d expect to find on a legitimate business website, such as a privacy policy and detailed terms of use. However, we can’t find them registered in the BC database or the Canada business database.

As a new provider, it only has a very limited number of Facebook reviews, but the reviews that do exist are mixed.

How does borrowing from Bree work?

The first step to borrowing a cash advance from Bree is to sign up. You can do this online by providing your personal information and bank account details. A monthly subscription fee of $2.99 for its budgeting tool applies.

However, Bree’s terms of use state that you can also access an advance without a Bree membership. You’ll need to get in touch with Bree via email to request an advance without a membership.

You can apply for an advance of up to $10. If you request a Standard advance, the money will be in your account in less than three business days. But if you need cash fast, you can request an Express advance – for a small fee – to ensure that the money arrives in less than eight hours. The fee for an Express advance varies depending on the size of your loan:

  • $15.00 to $20.00: $1.99
  • $20.01 to $74.99: $3.99
  • $75.00 to $99.99: $6.99

Bree doesn’t charge any interest on the amount you borrow and there are no late fees. You can repay your advance in one installment, and you nominate the repayment date when you apply for an advance. However, it’s worth noting that Bree’s terms of use state that it reserves the right to charge your linked account or debit card for repayment any time after there is evidence of income (such as a paycheque) into your linked account.

Bree app features

Rates and fees
  • 0% interest
  • No late fees
  • Tipping optional
  • If you want cash instantly, a $1.99–$6.99 fee applies
  • $2.99 monthly subscription fee (not required to access a cash advance)
Loan amounts$10–$150
Loan termsPay back on your next payday
Serviced provincesAll provinces and territories
  • 18 years or older
  • Canadian resident
  • Canadian bank account that receives regular income

What we like about Bree

  • No interest. Bree does not charge any interest on the money you borrow. This means it could be a much more cost-effective borrowing option than a payday loan.
  • No late fees. Bree doesn’t charge any late fees if you don’t repay what you borrow. There’s no fee when you take out an advance, but you may be asked if you’d like to leave a voluntary tip.
  • No credit checks. You won’t need to complete a credit check when you apply for a Bree advance, so you don’t have to worry about it impacting your credit score.
  • Easy to apply. The Bree sign-up process is quick and easy. You can apply online within a few minutes.
  • Fast funding available. Same-day funding is available if you’re willing to pay a small fee. The money can be sent to your account via e-Transfer.
  • Other membership features. As a Bree subscriber, you get access to a budgeting tool you can use to track your income and expenses. You also receive a weekly newsletter with tips to help you manage your finances.

What to watch out for

  • Monthly subscription fee. If you sign up for a Bree membership, you’ll need to pay a subscription fee of $2.99 a month. However, as mentioned above, you can contact Bree via email if you’d like to receive an advance without subscribing to Bree.
  • Fees for fast transfers. If you want to get your advance within eight hours, a fee of $1.99–$6.99 will apply. Otherwise, it could take up to three business days until you get funded.
  • New company. Bree was launched in 2021, so it’s a very new company with limited customer reviews.
  • Small amounts. The maximum cash advance amount available is $100, which may not be enough for your needs.
  • No phone number. Need to get in touch with Bree? There’s no phone number listed on the website, so you’ll need to contact them via email.

Summary of Bree reviews

As Bree is a relatively new service, there are very limited online reviews from previous customers. It has a handful of mixed reviews on Facebook, but the number of reviews is too small to draw any firm conclusions.

Alternatives to Bree

Payday loans have easier eligibility requirements and let you borrow higher loan amounts. However, they are generally more expensive and are only suitable as a last resort.

⚠️ Warning: Be cautious with payday loans
Payday loans are expensive. If you're experiencing financial hardship call Credit Counselling Canada for free financial counselling (Monday-Friday 8:00am-5:00pm at +1 866-398-5999). Consider payday loan alternatives:
  • Visit A free and confidential service that connects you to organizations that can help with finances, food, housing and more.
  • Debt relief companies. There are services to help you reduce your debt payments.
  • Payment extensions. Talk with bill providers about longer payment plans or due-date extensions.
  • Side jobs. Sell unwanted items online, sign up for food delivery and more.
1 - 2 of 2
Name Product Loan Amount Loan Term Interest Rate Turnaround Time Serviced Provinces Offer Table description
Cash Money Payday Loan
$100 - $1,500
5 - 40 days
Varies by province
As little as 15 minutes with INTERAC e-Transfer
Apply for your first $300 payday loan at a $20 cost (excludes SK applicants).
Instant decision and e-Transfer funding. Income of at least $1,000/month required.
iCASH Payday Loan
$100 - $1,500
7 - 62 days
Varies by province
As little as 2 minutes with INTERAC e-Transfer
Get up to 20% in cash back once your payday loan is fully repaid. Conditions apply.
24/7 instant approval and e-Transfer funding. Income of at least $800/month required.
Maximum borrowing costs of payday loans per province
Always refer to your contract for exact repayment amounts and costs as they may vary from our results.
Province Maximum allowable cost of borrowing
Alberta, British Columbia, New Brunswick, Ontario & PEI $15 per $100 borrowed
Manitoba, Saskatchewan & Nova Scotia $17 per $100 borrowed
Newfoundland and Labrador $14 per $100 borrowed
Northwest Territories, Nunavut & the Yukon Up to $60 per $100 borrowed
Quebec Limit of 35% annual interest rate (AIR)

Am I eligible to borrow from Bree?

You won’t need to undergo a credit check to qualify for a Bree cash advance, but you will need to meet the following requirements:

  • 18 or older (or the age of majority in your province)
  • Legal resident of Canada
  • Have an active chequing account
  • Have recurring income from employment or a government benefit
  • Minimum three consecutive paycheques from one source deposited into your account
  • Minimum 100 transactions in your account
  • A Visa or Mastercard debit card that matches your account

Bree will examine the last two to three months’ worth of transactions from your bank account to check three things:

  • That you receive your paycheques as direct deposits
  • That you’ve received paycheques on consistent dates
  • That you will have enough funds after your next paycheque to repay your advance

How to sign up for a Bree loan

Here’s what you need to do to apply for a Bree cash advance:

  1. Visit the Bree website and click the “Sign up” link.
  2. Create an account by providing your name, email address, phone number and date of birth.
  3. Complete the sign-up process by verifying your bank account details.
  4. Confirm the date on which you will pay back your advance.
  5. Check whether you want a free Standard advance or an Express advance for a fee.
  6. Submit your application. If you’re approved and you’ve selected an Express advance, the funds will be sent to you via e-Transfer.

Frequently asked questions

More guides on Finder

Go to site