Loans & apps 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.

Cash advance apps like Nyble in Canada

1. KOHO

8.7 Great

Go to site Read review

KOHO Cover

Up to $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% + a subscription fee starting at $2/month. You'll need a KOHO account to access this service.

• 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

Loan amount	Up to $250
APR	Starting at 0%
Term	Flexible
Fees	0% + a subscription fee starting at $2/month
Turnaround time	Immediately

2. Bree

8 Great

Go to site Read review

Bree Early Pay

Up to $500
Loan amount

Starting at 0%
APR

Next pay cycle (65 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, 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 monthly membership fee
• Extra fee for fast transfers
• Won't improve your credit score, unlike Nyble

Loan amount	Up to $500
APR	Starting at 0%
Term	Next pay cycle (65 days max)
Fees	0% + $2.99/month membership fee
Turnaround time	Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and up to 3 business days for standard delivery.

Payday loans like Nyble

1. Cashco

Read review

Cashco Financial Payday Loans

$100 – $1,500
Loan amount

1 – 62 days
Loan Term

Undisclosed
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Like Nyble, Cashco doesn't do credit checks, and non-employment income types are okay. You can also get an instant decision and e-Transfer funding within minutes.

• Quick funding
• Bad credit is okay
• Established lender

• No app
• Application is not as seamless as other lenders
• Payday loans are expensive
• Short repayment terms
• Not available in all provinces

Loan amount	$100 – $1,500
APR	$14 per $100 borrowed
Term	Up to 62 days
Min. Turnaround time	Same day approval
Credit Check	No

2. Wagepay

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Wagepay Wage Advance Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Like Nyble, Wagepay offers 24/7 instant funding with no credit check required. You can download its app on the Apple App Store or Google Play Store.

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

• Not available in all provinces
• High cost of borrowing

Loan amount	$100 – $1,500
APR	$14 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

3. Lenditt

Read review

Lenditt Payday Loan

$250 – $1,500
Loan amount

Up to 62 days 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
APR	$14 per $100 borrowed
Term	Up to 62 days
Min. Turnaround time	Within minutes with Interac e-Transfer
Credit Check	Yes

4. GoDay

Read review

GoDay Payday Loan

$100 – $1,500
Loan amount

1 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

GoDay offers online payday loans to borrowers who may not qualify for a bank loan. Like Nyble, you can easily apply on its website without needing to upload or email documents.

• Established licensed lender
• Available in many provinces

• No app
• Short loan terms
• Extremely expensive

Loan amount	$100 – $1,500
APR	$14 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	Yes

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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:

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 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

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 Cashco and Wagepay, but these loans will cost you more.

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 for Finder. She has spent over 12 years working with financial products and services, specializing in content and marketing. Leanne has completed the Canadian securities course (CSC®) as well as the personal lending and mortgages course by the Canadian Securities Institute. She has a Bachelor of Arts (Honours) in English literature and creative writing from Western University. See full bio

Leanne's expertise

Leanne has written 184 Finder guides across topics including:

• Personal Loans
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