Apps & Loans Like Bree in Canada

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
• Payday loan apps like Bree
• Personal loan sites like Bree

Cash advance apps like Bree in Canada

1. Nyble

9.3 Excellent

Go to site Read review

Nyble Credit Line

$30 – $250
Loan amount

Starting at 0%
APR

31 days, extendable
Term

• Info
• Pros + Cons
• Details

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, get access to premium services, including funding in 1-30 minutes, credit monitoring 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 for fast transfers and other premium perks

Costs	0%
Loan Amount	$30 – $250
Loan Term	31 days, extendable
Credit Check	No
Turnaround Time	1-30 minutes with a paid membership or 1-3 business days with a free membership.
Requirements	You must be 18 years or older and have a minimum monthly income of $1,000.
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

2. KOHO

8.7 Great

Go to site Read review

KOHO Cover

$20 – $250
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Pros + Cons
• Details

Get a cash advance ranging from $20 to $250 when you pay 0% + monthly fee from $2. You'll need a KOHO account to access this service. A KOHO account is free if you have direct deposit set up or if you move $1,000 into the account every month.

• No late fees
• Zero interest
• No impact to credit score
• Free financial coaching available

• KOHO account required

Costs	0% + monthly fee from $2
Loan Amount	$20 – $250
Loan Term	Flexible
Credit Check	No
Turnaround Time	Immediately
Requirements	KOHO account—access higher loan amounts over time by using KOHO for everyday spending, repaying your monthly fees and using its other services
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.3

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. Cashco

Read review

Cashco Financial Payday Loans

$50 – $1,500
Loan amount

1 – 62 days
Loan Term

Undisclosed
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Like Bree, Cashco offers a quick, paperless application process. You can borrow up to $1,500 and get e-transfer funding in a few minutes after approval. But keep in mind that Cashco payday loans are very expensive, just like other payday loans.

• Easy online process
• Bad credit is okay

• Payday loans are expensive
• Short repayment terms
• Not available in all provinces

Loan Amount	$50 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	AB, BC and SK
Speed	Same day approval
Credit Check	No
Requirements	Have an active bank account

2. Wagepay

Go to site Read review

Wagepay Wage Advance Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

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. But like other payday loans, it's an extremely expensive option.

• iOS and Android apps available
• Instant process
• Bad credit is okay

• Very expensive
• Not available in all provinces

Loan Amount	$100 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	BC, ON
Speed	As little as 2 minutes with Interac e-Transfer
Credit Check	No
Requirements	- Be at least 18 years old in Ontario or 19 in BC - You must live and work in Canada - You must be employed and receive a regular, consistent income from your employer of at least $400/week ($1,600/month) - You must leave enough of your income each pay cycle in your account to be able to repay an advance - You must have a generally good banking history

Personal loan alternatives to Bree

1. Green Loans

7.9 Great

Go to site Read review

Green Loans

$100 – $1,000
Loan amount

22% – 35%
APR

3 - 12 months
Term

• Info
• Pros + Cons
• Details

Green Loans offers short-term installment loans of up to $1,000. Like Bree, it 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	$100 – $1,000
APR Range	22% – 35%
Loan Term	3 - 12 months
Serviced Provinces/Territories	all provinces except Manitoba
Turnaround Time	within 24 hours
Min. Credit Score	300
Fees	2.66% late fee
Requirements	• Share banking access via our secure IBV system (Instant Banking Verification) • Have a Canadian bank account open for 90+ days with online access • Be a Canadian citizen or permanent resident with a job • Be 18 or older (or provincial age of majority) • Earn at least $1,200 monthly in net income • Provide a valid phone number, email, and home address • You must not be in a bankruptcy or a consumer proposal. • You must not be planning to declare bankruptcy or a consumer proposal.

2. Loans Canada

8.6 Great

Go to site Read review

Loans Canada Personal Loan

$500 – $50,000
Loan amount

8.99% – 35%
APR

4 - 60 months
Term

• Info
• Pros + Cons
• Details

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	$500 – $50,000
APR Range	8.99% – 35%
Loan Term	4 - 60 months
Serviced Provinces/Territories	All of Canada
Turnaround Time	Receive funds in as little as 24 hours.
Min. Credit Score	300
Fees	No application, origination or brokerage fees
Requirements	Canadian resident, age of majority in your province of residence

Go to site

Alternative: Earn money through surveys & games

• $35 per hour on average (depends on chosen tasks & engagement)
• Sign up in minutes
• Instant cash-outs from $2
• $5 sign-up bonus when you start your first task

Which apps operate nearly the same as 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

How does Bree compare?

You can read our Bree review for details, but here are the highlights:

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

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.

Which cash advance app features do Canadians want?

According to data from the Finder: Consumer Sentiment Survey January 2025, Canadians who are open to using cash advance apps care most about cost, speed and accessibility. The top feature was zero interest (14%), followed by zero or low monthly fees (9%) and instant funding (9%). Other valued features included 24/7 access to funding (8%) and no credit check requirements (8%).

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 and mandatory fees, but there’s a $2.99 subscription fee if you need access to features like express funding. If Bree isn’t an option for you, consider other cash advance apps, 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 loan 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, try online personal loans like Loans Canada.

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
• Car Loans
• Business Loans
• International Money Transfers
• Make Money Online