KOHO Cover
- Borrow up to $250 with no income required
- No credit check
- No interest
Apps and loans like Bree in Canada
Cover urgent bill payments and avoid overdrafts with these Bree alternatives.
Bree is an online-only lender that provides cash advances of up to $500. 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.
Jump to:
Cash advance apps like Bree in Canada
1. Nyble
Nyble Credit Line
$30 – $250
Loan amount
Loan amount
Starting at 0%
APR
APR
30 days, extendable
Term
Term
Apply online for an interest-free line of credit of up to $250 to cover small expenses and build your credit. Get funds in 1-3 business days with a free account. For $11.99 per month, get access to premium services, including funding in 1-30 minutes, a free Equifax credit report and identity theft protection.
- Easy application process
- No credit checks
- No interest
- Can improve your credit score
- Roll over your loan
- Loan amount may not be enough for your needs
- $11.99 per month for fast transfers and other premium perks
| Loan amount | $30 – $250 |
|---|---|
| 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. |
2. KOHO
KOHO Cover
$20 – $250
Loan amount
Loan amount
Starting at 0%
APR
APR
Flexible
Term
Term
Get a cash advance ranging from $20 to $250 when you pay 0% interest with a subscription fee starting at $2/month. You'll need a KOHO account to access this service.
- No late fees
- Zero interest
- No impact to credit score
- Free financial coaching available
- KOHO account required
| Loan amount | $20 – $250 |
|---|---|
| APR | Starting at 0% |
| Term | Flexible |
| Fees | 0% interest with a subscription fee starting at $2/month |
| Turnaround time | Immediately |
Must read: Cash advance apps in Canada
⚠️ Warning: Be cautious with payday loans
High-cost payday loans are unsustainable for borrowing over a continued period of time and are expensive as a means of longer-term borrowing. 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). You may also want to consider payday loan alternatives. Maximum borrowing costs will vary by province. Review the maximum borrowing cost for your province before entering into a loan agreement.Payday loan apps like Bree
Note: Bree is not a payday loan, but it does have features similar to payday loans. Payday loans have higher amounts than Bree, and their APRs are in the triple digits.
1. iCash
iCash Payday Loan
$100 – $1,500
Loan amount
Loan amount
7 – 62 days
Loan Term
Loan Term
2 minutes
Min. Turnaround Time
Min. Turnaround Time
Like Bree, iCash offers a quick, paperless application process. You can borrow up to $1,500 and get e-transfer funding in as little as 2 minutes after approval. iCash provides payday loans, so watch out for high interest rates.
- 4.6/5 stars based on over 2,400 Trustpilot reviews
- Funding within an hour
- 24/7 approvals and funding
- Payday loans are expensive
- Short repayment terms
- Not available in all provinces
| Loan amount | $100 – $1,500 |
|---|---|
| APR | $14 per $100 borrowed |
| Term | 7 - 62 days |
| Min. Turnaround time | As little as 2 minutes with Interac e-Transfer |
| How to apply | Online |
| Credit Check | Yes |
2. Wagepay
Wagepay Wage Advance Loan
$100 – $1,500
Loan amount
Loan amount
7 – 62 days
Loan Term
Loan Term
2 minutes
Min. Turnaround Time
Min. Turnaround Time
Wagepay is an online payday lender that launched in Canada in 2020. Like Bree, you can get 24/7 approval and funding without needing to go through a credit check. It's also cheaper than other payday loans in Canada, but it's still a very expensive option overall.
- iOS and Android apps available
- Instant process
- Bad credit is okay
- Very expensive
- Not available in all provinces
| Loan amount | $100 – $1,500 |
|---|---|
| APR | $8 per $100 borrowed |
| Term | Up to 62 days |
| Min. Turnaround time | As little as 2 minutes with Interac e-Transfer |
| How to apply | Online |
| Credit Check | No |
Personal loan alternatives to Bree
1. LoansLoans.ca
LoansLoans.ca Installment Loan
$500 – $1,000
Loan amount
Loan amount
28% – 32%
APR
APR
3 - 12 months
Term
Term
LoansLoans.ca offers short-term installment loans of up to $1,000. Like Bree, LoansLoans.ca doesn't require a credit check, and it has more lenient requirements than banks.
- Accepts bad credit
- Fast funding
- High rates and fees apply
- Broker fee included in payments
| Loan amount | $500 – $1,000 |
|---|---|
| APR | 28% – 32% |
| Term | 3 - 12 months |
| Min. credit score | 300 |
| Fees | Late payment fee (2.66% per month), $45 NSF fee, broker fee |
| Origination fee | $300 |
| Turnaround time | Receive funds in less than 24 hours |
2. Loans Canada
Loans Canada Personal Loan
$250 – $50,000
Loan amount
Loan amount
9.99% – 35%
APR
APR
3 - 60 months
Term
Term
Loans Canada is a loan search platform that connects you to suitable lenders. Like Bree, it can help you get a small, quick loan even if your financial situation isn't great. Lenders that Loans Canada is partnered with have easier eligibility requirements and offer faster funding than banks.
- Accepts bad credit
- Large lender network
- High rates and fees may apply
- You're limited to Loans Canada's network
| Loan amount | $250 – $50,000 |
|---|---|
| APR | 9.99% – 35% |
| Term | 3 - 60 months |
| Min. credit score | 300 |
| Fees | No application, origination or brokerage fees |
| Origination fee | 0 |
| Turnaround time | Receive funds in as little as 24 hours. |
How does Bree compare?
You can read our Bree review for details, but here are the highlights:
- No interest
- No credit check required
- No documents required
- Instant funding available
- $2.99 monthly membership fee
- Extra fee for instant funding
- Free standard advances take a few business days
- Small loan amounts
- Does not improve credit score
Which apps are most similar to Bree?
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 iCash and Wagepay offer higher loan amounts and faster funding, but you’ll pay $14 for every $100 borrowed, which works out to annual percentage rates in the triple digits.
Payday loan apps vs cash advance apps like Bree
| Payday loan apps like Wagepay and iCash | Cash advance apps like Bree and Nyble | |
|---|---|---|
| Loan amount | Up to $1,500 | Up to $500 |
| Loan term | By your next payday | By your next payday, or roll over to the following months |
| Cost | Can be more expensive: $14 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 or direct deposit | E-transfers |
| Repayment method | Automatic withdrawal, cheque or in-person with cash | Automatic withdrawal from your bank account |
Dive deeper: Best cash loans in Canada
How do I sign up for apps like Bree?
Sites like Bree require the following information:
- Name, email address and phone number
- Date of birth
- Linked bank account via bank verification
Must read: Best loan apps in Canada
How do I get approved for sites like Bree?
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.
Bottom line
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 $500, 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. If you can wait longer or need higher loan amounts, you can try online personal loans.
Related: Best payday loans in Canada
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