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5 apps like Nyble in Canada

Compare apps like Nyble to access emergency funding.


Nyble Credit Line

Nyble Credit Line logo
  • Access up to $150 to build credit
  • No credit history required
  • No interest or required fees
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Nyble is a new company in Canada that offers credit lines of up to $150 to help you access funds fast and avoid overdrafts.

If you’d like to consider options other than Nyble, we’ve compiled a list below of apps or sites like Nyble. These providers offer rapid emergency funding, but you may pay more in interest.

Apps like Nyble in Canada


KOHO Cover

$20 – $250
Loan amount
Starting at 0%
Get a zero-interest cash advance ranging from $20 to $250 when you pay 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 service
  • KOHO account required
Loan amount $20 – $250
APR Starting at 0%
Term Flexible
Fees subscription fee starting at $2/month
Turnaround time Immediately

2. Bree

Bree Early Pay

$20 – $350
Loan amount
Starting at 0%
Next pay cycle (61 days max.)
Similar to Nyble, Bree lets you borrow a small amount of up to $350 to help you cover expenses until your next payday. You won't have to pay any interest, but there is a small fee if you need funding within a few hours.
  • Easy application process
  • No credit checks
  • 0% interest and no late fees
  • Loan amount may not be enough for your needs
  • Monthly fee for Bree's budgeting tool
  • Fee for fast transfers
  • May not improve your credit, unlike Nyble
Loan amount $20 – $350
APR Starting at 0%
Term Next pay cycle (61 days max.)
Fees No interest or fees to access cash advance, fee for express funding (varies based on advance)
Turnaround time Within 8 hours for the express option (fee charged based on advance amount) and up to 3 business days for standard delivery
⚠️ 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. View payday costs and regulations by province here. 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.

Payday loan apps like Nyble

1. iCash

iCash Payday Loan

$100 – $1,500
Loan amount
7 – 62 days
Loan Term
2 minutes
Min. Turnaround Time
iCash provides quick funding and accepts non-employment income like Nyble. You can get e-Transfer funding in as little as 2 minutes after approval. Unlike Nyble, iCash provides payday loans so you can borrow more but at higher rates.
  • 4.8/5 stars based on over 2,100 Trustpilot reviews
  • Get money within an hour
  • Get funded 24/7
  • Payday loans are expensive
  • Short repayment terms
  • Not available in all provinces
Loan amount $100 – $1,500
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

2. Cash Money

Cash Money Payday Loan

$100 – $1,500
Loan amount
5 – 40 days
Loan Term
15 minutes
Min. Turnaround Time
Cash Money offers higher loan amounts (and higher rates) than Nyble through its payday loans. Get instant approval and funding in as little as 15 minutes when you use the Cash Money app.
  • Instant decisions
  • Fast access to funds
  • Established lender with A+ Better Business Bureau rating
  • Not available in all provinces
  • High cost of borrowing
Loan amount $100 – $1,500
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


PAY2DAY Payday Loan

$300 – $1,500
Loan amount
Up to 62 days
Loan Term
60 minutes
Min. Turnaround Time
PAY2DAY is another Nyble alternative that offers instant loans through its app. Like Nyble, you won't have to undergo a credit check to get approved and PAY2DAY is open to many types of income.
  • Get cash in 1-2 hours
  • 4.7/5 stars based on over 4,900 Trustpilot reviews
  • 24/7 online approvals and funding
  • Not available in all provinces
  • High cost of borrowing
  • Short loan terms
Loan amount $300 – $1,500
APR Varies by province
Term Up to 62 days
Min. Turnaround time Within 1-2 hours via e-Transfer once approved
Credit Check No
Maximum borrowing costs of payday loans per province
Always refer to your contract for exact repayment amounts and costs.
Province Max. cost of borrowing a $100 payday loan Cooling off period to cancel loan Max. penalty for returned cheque or pre-authorized debit
Alberta $15 2 business days $25
British Columbia $15 2 business days $20
Manitoba $17 48 hours excluding Sundays and holidays $20
New Brunswick $15 48 hours excluding Sundays and holidays $20
Newfoundland and Labrador $14 2 business days $20
Nova Scotia $15 Next business day (2 days for online loans) $40 (default penalty)
Ontario $15 2 business days $25
Prince Edward Island $15 2 business days N/A
Quebec Limit of 35% AIR N/A N/A
Saskatchewan $17 Next business day $25

How does Nyble compare?

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

  • No interest or late fees
  • No credit check required
  • Roll over your loan to following months
  • Improve your credit score
  • Easy to sign up
  • Available across Canada
  • Small loan amounts
  • $11.99 per month for fast transfers, a full credit report and other premium perks

How does Nyble compare with payday loan apps?

Nyble, and apps most similar to Nyble, have several similarities and differences with payday loan apps:


  • Fast funding. With both types, it’s possible to get your money within an hour of applying.
  • Flexible requirements. You can qualify using government benefits or private pensions as income and sometimes you won’t need to go through a credit check.
  • Easy online application. Use the app to apply for funding within minutes.


  • Payday loans are more expensive. You’ll pay $14 to $17 for every $100 borrowed, which works out to annual percentage rates (APRs) in the triple digits.
  • Payday loans have higher loan amounts. You can borrow up to $1,500, while apps like Nyble usually cap at $150 or slightly higher.
  • Payday loans are usually faster. You can get instant approval and funding 24/7 with some payday lenders.
  • Payday loans do not allow rollovers. With Nyble, if you don’t have enough money to repay your loan, you can choose to repay it next month or the month after. Payday lenders cannot offer this.

How do I sign up for apps like Nyble?

To sign up for Nyble or apps like Nyble in Canada, you’ll need to provide:

  • Your name, email address and phone number
  • Your date of birth
  • Your bank account details
  • Proof of ID

Nyble vs Bree

Nyble and Bree are two pay advance apps in Canada that are not payday loans. Here’s how the two compare:

Loan amount$30 – $150$20 – $350
Loan term30 days, extendable, rollovers allowedNext pay cycle (61 days max.)
SpeedInstant approval available, instant funding available for a feeInstant approval available, instant funding available for a fee
24/7 fundingAvailableAvailable
EligibilityAge of majority, linked bank accountAge of majority, linked bank account
Ease of approvalEasy to get approvedEasy to get approved
Credit checkNot requiredNot required
Application processWeb app, iOS appWeb app

Bottom line

Nyble is one of a few companies in Canada that allow you to borrow a small amount with no interest. If you’re looking for apps most similar to Nyble, consider Bree and KOHO. Other apps that provide quick funding for emergencies include Cash Money, iCash and PAY2DAY, but these loans will cost you more.

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