Cash advance apps: Borrow $25 or more instantly, no interest

Cash advance apps launched in Canada around 2021 and have proven themselves against payday loans and overdraft protection as legitimate solutions for covering small, urgent expenses. They offer instant approval and e-Transfer funding, whether you need to borrow $25, $50, $100 or more.

Compare the options available to you and apply online to pay for your emergency expense fast.

Compare cash advance apps in Canada

Currently, there are only a handful of cash advance apps in Canada. You pay no interest on these loans, but you may pay a monthly fee.

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Finder Score	Costs	Loan Amount	Loan Term	Rebate	Key Features
Finder score 8.7 Great KOHO Cover	Finder score 8.7 Great	0% + monthly fee from $2	$20 - $250	Flexible	Key features: Instant, no credit check or income required	Go to siteMore info Compare product selection Compare	loading
Finder score 8.8 Great Bree Early Pay	Finder score 8.8 Great	0%	$20 - $500	Next pay cycle	Key features: Instant e-transfers, 24/7, no credit check	Go to siteMore info Compare product selection Compare	loading
Finder score 9.3 Excellent Nyble Credit Line	Finder score 9.3 Excellent	0%	$30 - $250	31 days, extendable	Use code CFIND1J to get 500 extra points and a $5 higher approval. T&Cs apply.	Key features: Instant e-transfers, 24/7, no credit check	Go to siteMore info Compare product selection Compare	loading

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Finder Score for cash advance apps

To make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 5+ cash advance apps are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.

Read the full methodology

Alternative: Payday loan apps

Just like cash advance apps, payday loan apps allow you to get a small loan instantly. However, they have extremely high rates.

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Cost	Loan Amount	Loan Term	Key Features
Wagepay Wage Advance Loan	$14 per $100 borrowed	$100 - $1,500	Up to 62 days	Key features: 24/7 approval and e-Transfer, no credit check	Go to siteMore info Compare product selection Compare	loading
iCash Payday Loan	$14 per $100 borrowed	$100 - $1,500	7 - 62 days	Key features: 24/7 instant approval and e-Transfer, accepts bad credit	Go to siteMore info Compare product selection Compare	loading
Money Mart Payday Loan	$14 per $100 borrowed	$100 - $1,500	1 - 62 days	Key features: In-store and online no credit check loans, accepts many income types	More info Compare product selection Compare	loading

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What are the best cash advance apps in Canada?

There aren’t many cash advance apps in Canada yet, but the most popular and highly rated apps are KOHO, Nyble and Bree.

Reviews as of August 25, 2025

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What about these cash advance apps?

• Is EarnIn available in Canada?

  No, EarnIn is not available in Canada. In order to be eligible to use the EarnIn pay advance app, you need to be a US resident. You can explore pay advance apps available to Canadians here or explore our full guide to apps like EarnIn.

• Is Klover available in Canada?

  No, Klover is unavailable to most Canadians since a requirement for approval is the borrower is a US citizen. Check out our list of alternative cash advance loans in our list above.

• Is Brigit available in Canada?

  No, Brigit does not service Canada. Brigit is based in New York and operates throughout the US. If you’re looking for cash advances in Canada, check out our list of apps here, or explore our full guide to apps like Brigit here.

• Is Dave available in Canada?

  No, Dave is not available in Canada. In order to apply for a cash advance loan through Dave, you’ll need to have a Social Security number and live in the US. Instead, you can explore our list of payday loan apps available in Canada here or read our full guide to apps like Dave here.

• Is MoneyLion available in Canada?

  No, MoneyLion is not available to Canadians. You’ll need to be a US citizen or permanent resident to apply for a MoneyLion loan. Alternatively, you can check out our list of cash advance loans Canadians can apply for here or explore our guide to apps and loans like MoneyLion here.

• Is Chime available in Canada?

  Chime is not available in Canada because Chime requires applicants to be US citizens in order to be eligible. Instead, you can explore our list of reputable alternative payday loan apps in Canada here.

Cash advance apps vs payday loan apps: How do they compare?

If you need to borrow money fast, here are the similarities and differences between these loan apps.

Am I eligible to use cash advance apps in Canada?

Cash advance apps have very lenient requirements. As long as you have a bank account with an income getting paid into it, there’s a chance of getting approved. In KOHO’s case, you don’t even need to have a job or an income.

How to find the best instant money apps

Ask yourself these questions to help narrow down your options to find the best app for needs.

How much do you need to borrow?

Decide how much you need to borrow to cover your expenses before your paycheque comes in. If you need a small amount—like a $50 loan—instantly, then apps like KOHO, Bree and Nyble could be the way to go, but you’ll need to opt for instant funding. If you need a $200 loan or more, you may need to first demonstrate a history of making payments before getting approved by a cash advance app.

How much does the loan cost?

Be wary of having a monthly subscription with a cash advance app, as the cost could add up. Payday loans, on the other hand, are $14 for every $100 borrowed, which works out to APRs in the triple digits.

When can you pay it back?

Cash advance apps allow more flexible repayments than payday loans. With payday loans, you have to repay them by your next payday, whereas with cash advance apps, you can extend the deadline if you need to.

Is credit building important to you?

Payday loans can’t improve your credit score since payday lenders don’t report payments to the credit bureaus, while select cash advance apps, such as Nyble, can.

How do I repay my cash loan?

Payday lenders and cash advance apps will automatically deduct the money from your bank account on the day you get paid. For cash advance apps, if you need to extend the deadline, contact them in advance to arrange a later date.

Pros and cons of cash advance apps in Canada

Pros

• Can be less expensive. Cash advance apps charge zero interest, and you can lower your cost further by opting for standard delivery and by choosing a cash advance app that has little to no membership fees.
• Quick turnaround. Get a cash advance within minutes if you opt for instant funding.
• Budgeting features. Some cash advance apps track your income and spending to warn you if you risk overdrawing your account.
• Rewards. Some cash advance apps let you earn rewards as you borrow and repay your loans.
• No credit check. Lenders of pay advance apps offer no credit check loans.
• Non-employment incomes are okay. You can get a cash advance if you’re receiving benefits, such as disability, CPP and Canada child benefit.
• Simple online process. Cash advance apps are easy to use, convenient and highly rated.

Cons

• Must have a recurring income. You might need to have a stable income that’s paid directly into your bank account.
• Low loan amounts. If you need to borrow more than a few hundred dollars, you’ll need to apply elsewhere.
• Wide range of instant funding fees. Instant funding charges vary widely depending on the app you go with and your loan amount.

Alternatives to cash advance apps

• Credit card cash advance. This type of cash advance in Canada lets you borrow money from your credit card. You’ll usually pay interest rates of 21.99% to 23.99%, and the amount you owe will be added to your regular credit card balance. You can take out a credit card cash advance instantly from an ATM, just as you would withdraw cash with a debit card.
• Installment loans. Borrow larger amounts between $500 and $10,000 and take 3 - 60 months to repay your loan. You’ll pay lower APRs than you would with payday loan apps. Learn more about top installment loans.
• Overdraft protection. You can get overdraft protection with your bank account to ensure you don’t get charged fees if you overdraw your account. Overdraft protection limits can reach as high as $5,000, and you’ll pay interest on any amount you borrow in addition to paying a monthly fee.
• Line of credit. Instead of relying on cash advance apps, consider a line of credit. A line of credit is a revolving credit account where you borrow and repay money (up to a predetermined limit) on an ongoing basis. If you have good credit, you may be able to score a line of credit with a low-interest rate. Only consider a line of credit if you’re confident you can regularly repay what you borrow. Otherwise, you may end up maxing out the line of credit and getting stuck with a larger debt load.

Frequently asked questions

• What other apps are there?

  MoneyUp and Woveo are two cash advance apps to consider. However, they may not be readily available yet. Learn more about MoneyUp alternatives.

• Which app gives a loan instantly in Canada?

  Some examples of payday loan and pay advance apps that give loans instantly in Canada are iCash, Nyble and KOHO. Learn more about these and other instant loan apps in our full breakdown above.

• What is an early payroll loan?

  An early payroll loan lets you borrow funds through an instant money app that works with your employer to give you early access to part of your paycheque. These apps let you borrow money interest-free against funds you've already earned through work.

• Can you borrow using Cash App in Canada?

  It doesn't seem like you can borrow funds using Cash App in Canada. With a Cash App account, you can receive paycheques up to two days early, but you can't borrow funds against your paycheque. Learn more about loans like Cash App.

• Are Nyble and Bree payday loans?

  No, Nyble and Bree are not payday loans.

To make sure you get accurate and helpful information, this guide has been edited by Romana King as part of our fact-checking process.

Written by

Leanne Escobal

Publisher

Leanne Escobal is a publisher at Finder with more than 12 years of experience in financial products and services, with a focus on content strategy and marketing. She has completed the Canadian Securities Course (CSC®) as well as the Personal Lending and Mortgages course through the Canadian Securities Institute. Leanne holds a Bachelor of Arts (Honours) in English literature and creative writing from Western University. See full bio

Leanne's expertise

Leanne has written 175 Finder guides across topics including:

• Personal Loans
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• International Money Transfers
• Make Money Online

Co-written by

Chelsey Hurst

Publisher

Chelsey Hurst is a publisher at Finder, specializing in banking and investments. She loves empowering people to avoid financial pitfalls and make better decisions with their money. Chelsey has a Bachelor of Science from Redeemer University, a Master of Science from McMaster University, and has won multiple awards for research communication. In her spare time, Chelsey enjoys cooking and taking long walks in nature. See full bio

Chelsey's expertise

Chelsey has written 123 Finder guides across topics including:

• Banking
• Stock Trading
• Cryptocurrency