Bree Review: Cheap Cash Advances (With Slow Delivery)
- APR Range
- 0%
- Loan Amount
- Up to $750
- Loan Term
- Next pay cycle (90 days max)
Our verdict
Bree lets you borrow up to $750 with no interest or mandatory fees if you opt for slow delivery (1-3 days). But if you want instant funding, a hefty fee may apply.
Bree offers cash advances of up to $750 to help Canadians cover urgent expenses, such as bills, groceries and gas. You can apply on their app or website within minutes without going through a credit check. You won't pay any interest on the amount you borrow, and you won't be charged any fees as long as you opt for standard funding, which takes one to three business days. If you want instant funds, a fee between $2.99 – $45.99 applies. The higher the advance amount, the higher the fee. Despite this, Bree's loans are still cheaper overall than payday loans.
Best for: People who need a small loan and want to avoid interest or fees.
Pros
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Easy to apply
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0% interest
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No mandatory fees
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No late fees
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No credit check required
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Instant decision
Cons
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For instant transfers, a transfer fee ($2.99 – $45.99) applies per advance
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You must connect your bank account to Bree's app
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Small loan amounts won't suit everyone
What is Bree?
Try 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. Its mission is to help Canadians move toward financial wellness.
Is Bree legit?
Bree Technologies is based in Toronto, and its business registration can be found in the BC government’s business registry. It has verified LinkedIn, Crunchbase and Trustpilot 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.
Bree uses Flinks to review your bank statements. Flinks is a Canadian company that helps financial businesses, such as lenders, securely connect to people’s bank accounts to review their information. Bree never accesses your login details.
Is Bree a payday loan?
No, Bree is not a payday loan. It’s a cash advance app. Payday loans let you borrow amounts between $100 – $1,500, and it costs $14 for every $100 borrowed, which works out to rates in the triple digits. Bree, on the other hand, lets you borrow $20 to $750 at no cost if you opt for slow funding and don’t leave a tip.
This makes a Bree loan much more affordable than a payday loan.
Bree vs payday loan
Below is an example of the costs associated with a $750 loan, depending on the option you choose.
| Product Details | Bree – standard delivery | Bree – instant delivery | Payday loan |
|---|---|---|---|
| Loan amount | $750 | $750 | $750 |
| Loan term | 9 days (but can be extended up to 90 days) | 9 days (but can be extended up to 90 days) | 9 days |
| Cost | $0 | $45.99 | $14 for every $100 borrowed |
| APR | 0% | No interest, but the transfer fee is equivalent to 249% APR | 568% |
Bree cash advance features
| Feature | Details |
|---|---|
| Rates and fees |
|
| Loan amounts | $20–$750 |
| Loan terms | Next pay cycle (90 days max) |
| Serviced provinces | All provinces and territories |
| Requirements |
|
What we like about Bree loans
- 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 mandatory membership fees. Bree doesn’t require you to sign up for a membership to get a cash advance, which helps lower your cost.
- No late fees. Bree doesn’t charge any late fees if you don’t repay what you borrow, 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. Learn more about no credit check loans.
- Easy to apply. The Bree sign-up process is quick and easy. You can apply online within a few minutes.
- High loan amounts. You can borrow up to $750, which is high for a cash advance app in Canada.
- Instant approval 24/7. Get a decision right after you apply.
- Fast funding available. Funding within minutes is available if you’re willing to pay the membership fee and a transfer fee per advance. The money can be sent to your account via e-Transfer.
- Flexible requirements. It’s possible to get approved for a cash advance with bad credit, low income or non-employment income.
- Budgeting tool. 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
- Fees for fast transfers. If you want to get your advance within a few minutes, a transfer fee will apply. The higher the amount, the higher the fee. Prepare to spend $2.99 – $45.99 in transfer fees if your advance amount is in the hundreds.
- Small amounts. The maximum cash advance amount available is $750, which may not be enough for your needs. Also, if you’re a first-time borrower, you may only get approved for low amounts under $100.
- 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 or in-app support.
Alternative to Bree loans
Payday Loan Alternative: KOHO Cash Advance
- Exclusive offer: Get a $75 reward from Finder
- 0% interest + fee from $2
- Instant decisions and funding, no credit check required
Is Bree only in Canada?
Yes, Bree’s services are currently only available to Canadians.
How much is Bree’s membership?
Bree’s membership is $2.99 per month, which gives you access to its budgeting tool. But you’re not locked in—you can cancel any time.
What do Bree reviews say?
People who have left positive Bree reviews have commented on its fast and reliable service. Negative comments talk about its low borrowing amounts and high fees for express funding.
On Trustpilot in particular, Bree reviews are largely positive, with users praising the ease and speed of getting a loan, especially when they have trouble getting funds elsewhere. Some negative reviews mention frustration over getting approved for small loan amounts only and the time it takes to level up to higher limits.
Summary of Bree reviews
| Feature | Details |
|---|---|
| BBB accredited | No |
| BBB rating | N/A |
| BBB customer reviews | N/A |
| Trustpilot score | 4.8/5 based on 7,300+ Trustpilot reviews |
| Google Play Store | 4.8/5 stars based on 481 Bree reviews |
| Apple App Store | 4.9/5 stars |
Customer reviews verified as of March 5, 2025.
Am I eligible for a Bree loan?
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
- Minimum of two consecutive paycheques deposited into your account
Bree will examine the last two 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:
- Visit the Bree website and select the Sign up link.
- Create an account by providing your name, email address, phone number and date of birth.
- Complete the sign-up process by verifying your bank account details.
- Confirm the date on which you will pay back your advance.
- Choose between a free Standard advance or an Express advance for a fee.
- Submit your application. If you selected an Express advance and are approved, the funds will be sent to you via e-Transfer.
Does Bree have an app?
Yes, Bree has highly rated mobile apps in the Google Play Store and Apple App Store. It also has a responsive, easy-to-use web app, so you can manage your cash advance at home or on the go.
Preview of Bree’s web app
Step 1: Create an account online.
Step 2: Verify your phone number.
Step 3: Connect your bank account.
Bottom line
Bree is a low-fee pay advance app that lets you borrow a small amount to pay for emergency bills, making it a strong option for Canadians looking for a small loan. If you’d like to explore more options, head over to our guide on quick, easy loans.
Frequently asked questions
Sources
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