6 Apps & Loans Like Nyble in Canada

Cash advance apps hit the Canadian market in the early 2020s, giving people a quick way to cover small urgent expenses. Nyble was one of the first. It offers an interest-free loan with instant 24/7 funding and flexible repayments. While it’s a popular choice, there are other lenders doing similar things.

Check out apps and loans similar to Nyble in Canada.

1. 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

Like Nyble, KOHO offers interest-free loans of up to $250. You won't have to worry about a credit check or income requirements, and you can repay anytime with no late fees. But unlike Nyble, repayments of KOHO's cash advances don't build credit, and its subscription fee, which starts at $2, is mandatory.

• Zero interest
• No credit check
• No income requirement
• No late fees

• KOHO account required
• Monthly fee(s)
• Won't improve your credit score, unlike Nyble

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

2. Bree

8.8 Great

Go to site Read review

Bree Early Pay

$20 – $500
Loan amount

Starting at 0%
APR

Next pay cycle (90 days max)
Term

• Info
• Pros + Cons
• Details

Similar to Nyble, Bree lets you borrow a small amount of up to $500 to help you cover expenses until your next payday. You won't have to pay any interest or fees for standard funding, but there's a small monthly subscription fee plus an extra fee if you need funding within a few minutes.

• Easy application process
• No credit checks
• 0% interest and no late fees

• $2.99 optional monthly membership fee for express funding
• Won't improve your credit score, unlike Nyble

Costs	0%
Loan Amount	$20 – $500
Loan Term	Next pay cycle (90 days max)
Credit Check	No
Turnaround Time	Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and within 1 to 3 business days for standard delivery.
Requirements	You must have a bank account with regular income deposits and a Visa or Mastercard debit card with a CVV
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.9

3. iCash

Go to site Read review

iCash Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

iCash provides quick funding and accepts non-employment income like Nyble. You can get e-Transfer funding in as little as two minutes after approval. Unlike Nyble, iCash provides payday loans so you can borrow more but at higher rates.

• High ratings on Trustpilot, Apple App Store and Google Play
• e-Transfer funding in minutes
• Get funded 24/7
• Good and bad credit accepted

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

Loan Amount	$100 – $1,500
Loan Term	7 - 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	AB, BC, MB, NB, NS, ON, PEI
Speed	As little as 2 minutes with Interac e-Transfer
Credit Check	Yes
Requirements	- At least 18 years old (for applicants in Alberta, Manitoba, Ontario and PEI) - At least 19 years old (for applicants in British Columbia, New Brunswick and Nova Scotia) - Canadian resident in a province that iCASH services - Valid cell phone number, address and email address - Net income of at least $800/month deposited into bank account - Receiving the same source of income for the past 3 months - Have a Canadian bank account that's been open for at least 3 months with online banking

4. 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 offers 24/7 instant funding with no credit check required, like Nyble. You can download its app on the Apple App Store or Google Play Store. But unlike Nyble, Wagepay requires employment income, and it doesn't help build credit.

• Instant decisions
• Fast access to funds
• User-friendly apps

• Not available in all provinces
• High cost of borrowing

Loan Amount	$100 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	BC and 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

5. Lenditt

Read review

Lenditt Payday Loan

$250 – $1,500
Loan amount

Up to 62 days
Loan Term

10 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Lenditt 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, but unlike Nyble, you likely need to have employment income.

• Licensed lender
• Paperless process

• Not available in all provinces
• High cost of borrowing
• Short loan terms

Loan Amount	$250 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	ON
Speed	Within minutes with Interac e-Transfer
Credit Check	Yes
Requirements	Canadian citizen or resident, age of majority in province, have a stable, recurring income source, and a valid bank account

6. Credit Club

Read review

Credit Club Payday Loans

$100 – $1,500
Loan amount

Up to 62 days
Loan Term

30 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Credit Club offers quick no credit check loans 24/7, like Nyble. Its mobile app is available on the Google Play and Apple App Stores. But unlike Nyble, Credit Club doesn't report payments to the credit bureau to help you build credit.

• No credit check required
• App scored 4.4+ in both stores

• Extremely expensive
• Short repayment terms

Loan Amount	$100 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	ON, BC and NS
Speed	30 minutes
Credit Check	No
Requirements	Canadian resident over 18, have a bank account in your name, a steady income source, a valid email address, and a working phone number

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Summary of loans like Nyble

Features of Nyble

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

What do Nyble reviews say?

Nyble reviews are largely positive. People have complimented Nyble on its quick and easy process, credit building and repayment flexibility, while those who have left negative reviews have focused on tech issues.

Which apps are most similar to Nyble?

Bree and KOHO are the apps most similar to Nyble. Like Nyble, they offer 0% interest loans with no credit check, and they have user-friendly apps on the Google Play Store and Apple App Store.

Nyble vs Bree

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

How does Nyble compare with payday loan apps?

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

Similarities

• 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 website or app to apply for funding within minutes.

Differences

• Payday loans are more expensive. You’ll pay $14 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 around $500.
• Payday loans are usually faster. You can get instant approval and funding 24/7 with some payday lenders. Learn more about instant loans.
• 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

Cash advance apps aren’t widely used in Canada

According to the Finder: Consumer Sentiment Survey January 2025, cash advance apps ranked fourth among the loan products Canadians expect to use in the next three months, tying with personal loans and RRSP loans.

Bottom line

Nyble is one of a few companies in Canada that allows 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 iCash and Wagepay, but these loans will cost you more.

Frequently asked questions

• What is a Nyble alternative available in Quebec?

  Bree and KOHO are Nyble alternatives available in Quebec.

• Which loans like Nyble don't perform credit checks?

  Nyble alternatives that don't perform credit checks are KOHO, Bree, Wagepay, Credit Club and Lenditt.

To make sure you get accurate and helpful information, this guide has been edited by Stacie Hurst 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
• Car Loans
• Business Loans
• International Money Transfers
• Make Money Online