Nyble Credit Line
- Access up to $250 to build credit
- No credit check
- No interest or required fees
Bree is an online-only lender that provides cash advances of up to $350. Launched in 2021, it aims to provide Canadians with a low-cost way to avoid overdrafts and NSF fees.
If you’d like to explore apps or sites similar to Bree, check out our list below. Some of these providers offer higher loan amounts and instant funding 24/7, but they also charge higher interest rates.
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Loan amount | $30 – $250 |
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APR | Starting at 0% |
Term | 30 days, extendable |
Fees | 0% interest with optional fees |
Origination fee | $11.99 |
Turnaround time | 1-30 minutes with a paid membership or 1-3 business days with a free membership. |
Loan amount | $20 – $250 |
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APR | Starting at 0% |
Term | Flexible |
Fees | 0% interest with a subscription fee starting at $2/month |
Turnaround time | Immediately |
Note: Bree is not a payday loan, but it does have features similar to payday loans. Compare your payday loan options below.
Loan amount | $100 – $1,500 |
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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 |
Loan amount | $100 – $1,500 |
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APR | Varies by province |
Term | Up to 62 days |
Min. Turnaround time | As little as 2 minutes with Interac e-Transfer |
How to apply | Online |
Credit Check | No |
Loan amount | $100 – $1,500 |
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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 |
You can read our Bree review for details, but here are the highlights:
Nyble and KOHO are apps most similar to Bree. Like Bree, these apps offer small loan amounts and don’t charge any interest. Payday loan apps like Cash Money and iCash offer higher loan amounts and faster funding, but you’ll pay $14 to $17 for every $100 borrowed depending on where you live, which works out to annual percentage rates in the triple digits.
Payday loan apps like Cash Money and iCash | Cash advance apps like Bree and Nyble | |
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Loan amount | Up to $1,500 | Up to $350 |
Loan term | By your next payday | By your next payday, or roll over to the following months |
Cost | Can be more expensive: $14 to $17 for every $100 borrowed | Can be cheaper: You pay no interest on these cash loans, but you may pay a monthly subscription fee. |
Speed | Usually instant or in under 30 minutes | 3 business days or instant if you pay a fee |
24/7 funding | Available | Available |
Eligibility | Age of majority, linked bank account, bank statements and pay stubs sometimes required | Age of majority, linked bank account |
Ease of approval | Easy to get approved | Easy to get approved |
Credit check | Sometimes required | Not required |
Application process | Online, in-person or sometimes through an app | Through a web or mobile app |
Payment method | e-Transfers | e-Transfers |
Repayment method | Automatic withdrawal, cheque or in-person with cash | Automatic withdrawal from your bank account |
Sites like Bree require the following information:
Apps like Bree usually don’t involve any credit checks, but lenders will still need to verify that you can pay back their loan. To get approved for loans offered by these lenders, show them that your bank account doesn’t have NSF transactions in the last 60 to 90 days and it has regular income deposits from valid sources, such as employment, government benefits and private pensions.
Bree is a lender in Canada that offers small loans to help you pay for unexpected bills and avoid overdrafts. It charges no interest, but there’s a $2.99 monthly membership fee. If Bree isn’t an option for you, consider apps most similar to Bree, such as Nyble or KOHO.
These apps typically max out at $350, so if you need to borrow more as soon as possible, payday loan apps are an option. You can get a payday online in less than an hour, but the price for this convenience is high interest rates.
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