Bree Review: A Low-Cost Cash Advance App

Related: Cash advance apps in Canada

What is Bree?

Try Bree is a Y Combinator startup that was founded in 2021. It offers interest-free cash advances to help you avoid bank overdraft and NSF fees when you get low on funds. Its mission is to help Canadians move toward financial wellness.

Is Bree legit?

Bree Technologies is based in Toronto, and its business registration can be found in the BC government’s business registry. It has verified LinkedIn, Crunchbase and Trustpilot profiles. Its website also features the usual legal documents you’d expect to find on a legitimate business website, such as a privacy policy and detailed terms of use.

Bree uses Flinks to review your bank statements. Flinks is a Canadian company that helps financial businesses, such as lenders, securely connect to people’s bank accounts to review their information. Bree never accesses your login details.

Is Bree only in Canada?

Yes, Bree’s services are currently only available to Canadians.

How does borrowing from Bree work?

The first step to borrowing a cash advance from Bree is to sign up. You can do this online by providing your personal information and linking your bank account. You can get approved for up to $500.

Bree charges no interest. It also charges no fees as long as you opt for standard delivery, which takes about three business days. If you need instant funding, you must subscribe to a membership for $2.99 per month. A transfer fee also applies for each advance, which varies based on the amount.

Once you receive your funds, you can use them to pay for whatever you need, such as an urgent bill or emergency expense. You’ll repay your loan by your next payday.

Related: Best instant loans

Bree’s subscription

To access perks like instant funding and the platform’s budgeting tool, you’ll need to pay a $2.99 optional monthly membership fee for express funding. But you’re not locked in—you can cancel any time. Bree also offers a free one-month trial.

Bree cash advance features

Feature	Details
Rates and fees	0% No late fees Tipping optional
Loan amounts	$20–$500
Loan terms	Next pay cycle (90 days max)
Serviced provinces	All provinces and territories
Requirements	Age of majority in your province (18 or 19) Canadian resident Canadian bank account that receives regular income

What we like about Bree loans

• No interest. Bree does not charge any interest on the money you borrow. This means it could be a much more cost-effective borrowing option than a payday loan.
• No mandatory membership fees. Bree doesn’t require you to sign up for a membership to get a cash advance, which helps lower your cost.
• No late fees. Bree doesn’t charge any late fees if you don’t repay what you borrow, but you may be asked if you’d like to leave a voluntary tip.
• No credit checks. You won’t need to complete a credit check when you apply for a Bree advance, so you don’t have to worry about it impacting your credit score. Learn more about no credit check loans.
• Easy to apply. The Bree sign-up process is quick and easy. You can apply online within a few minutes.
• High loan amounts. You can borrow up to $500, which is high for a cash advance app in Canada.
• Instant approval 24/7. Get a decision right after you apply.
• Fast funding available. Funding within minutes is available if you’re willing to pay the subscription fee and a transfer fee per advance. The money can be sent to your account via e-Transfer.
• Flexible requirements. It’s possible to get approved for a cash advance with bad credit, low income or non-employment income.
• Other membership features. As a Bree subscriber, you get access to a budgeting tool you can use to track your income and expenses. You also receive a weekly newsletter with tips to help you manage your finances.

What to watch out for

• Monthly subscription fee. If you sign up for a Bree membership, you’ll need to pay a $2.99 optional monthly membership fee for express funding.
• Fees for fast transfers. If you want to get your advance within a few minutes, a transfer fee will apply. The higher the amount, the higher the fee. Prepare to spend at least $20 in transfer fees if your advance amount is in the hundreds.
• Small amounts. The maximum cash advance amount available is $500, which may not be enough for your needs.
• No phone number. Need to get in touch with Bree? There’s no phone number listed on the website, so you’ll need to contact them via email or in-app support.

Alternative to Bree loans

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Related: Apps like Bree

Is Bree a payday loan?

No, Bree is not a payday loan. Payday loans let you borrow higher amounts between $100 – $1,500. You’ll pay $14 for every $100 borrowed, which works out to rates in the triple digits. This makes a payday loan much more expensive than a Bree loan.

Like Bree, however, payday loans provide rapid approval and funding and have lenient requirements.

What do Bree reviews say?

People who have left positive Bree reviews have commented on its fast and reliable service. Negative comments talk about its low borrowing amounts and high fees for express funding.

On Trustpilot in particular, Bree reviews are largely positive, with users praising the ease and speed of getting a loan, especially when they have trouble getting funds elsewhere. Some negative reviews mention frustration over getting approved for small loan amounts only and the time it takes to level up to higher limits.

Summary of Bree reviews

Feature	Details
BBB accredited	No
BBB rating	N/A
BBB customer reviews	N/A
Trustpilot score	4.6 out of 5 stars based on 3,534 Bree reviews
Google Play Store	4.9 out of 5 stars based on 481 Bree reviews
Apple App Store	4.8 out of 5 stars based on 556 Bree reviews

Customer reviews verified as of March 5, 2025.

Am I eligible for a Bree loan?

You won’t need to undergo a credit check to qualify for a Bree cash advance, but you will need to meet the following requirements:

• 18 or older (or the age of majority in your province)
• Legal resident of Canada
• Have an active chequing account
• Have recurring income
• Minimum of two consecutive paycheques deposited into your account

Bree will examine the last two months’ worth of transactions from your bank account to check three things:

• That you receive your paycheques as direct deposits
• That you’ve received paycheques on consistent dates
• That you will have enough funds after your next paycheque to repay your advance

How to sign up for a Bree loan

Here’s what you need to do to apply for a Bree cash advance:

1. Visit the Bree website and select the Sign up link.
2. Create an account by providing your name, email address, phone number and date of birth.
3. Complete the sign-up process by verifying your bank account details.
4. Confirm the date on which you will pay back your advance.
5. Choose between a free Standard advance or an Express advance for a fee.
6. Submit your application. If you selected an Express advance and are approved, the funds will be sent to you via e-Transfer.

Does Bree have an app?

Yes, Bree has highly rated mobile apps in the Google Play Store and Apple App Store. It also has a responsive, easy-to-use web app, so you can manage your cash advance at home or on the go.

Preview of Bree’s web app

Bottom line

Bree is a low-fee pay advance app that lets you borrow a small amount to pay for emergency bills, making it a strong option for Canadians looking for a small loan. If you’d like to explore more options, head over to our guide on quick, easy loans.