Finder makes money from featured partners, but editorial opinions are our own.

3 cash advance apps with no credit check

Cash advance apps and payday loans like these offer no credit check instant loans or funding within several business days.

Want to get money now with no credit check? You may be able to get no-credit-check loans the same day or slightly later from cash advance apps or payday loan providers. Whether you’re looking to borrow $100, $500, $1,000 or more, compare lenders that offer no credit check instant loans and funding within several business days.

Jump to:

Get cash advance loans online with no credit check

These lenders offer cash advance loans with no credit check. But you may need to pay a monthly subscription fee, and there may be extra charges for express transfers and other perks.

Nyble Credit Line
Not yet rated
Go to site Read review

$30 – $250

Loan Amount

Starting at 0%

APR

30 days, extendable

Term

Nyble provides interest-free lines of credit of up to $250, and you don't need a credit check to apply. Plus, you won't have to worry about any late fees. Repayment for this short-term loan are automatically deducted on your next payday, but you can extend the deadline as much as needed.
  • No interest charges
  • No hidden fees
  • Easy to apply
  • Can improve credit score
  • $11.99 per month fee for instant transfers
  • Small loan amounts
Loan amount $30 – $250
APR Starting at 0%
Term 30 days, extendable
Fees 0% interest and no fees to access credit, optional $11.99/month membership for premium services like instant funding
Turnaround time 1-30 minutes with a paid membership or 1-3 business days with a free membership.
Serviced provinces All provinces and territories

Bree Early Pay
Not yet rated
Go to site Read review

$20 – $350

Loan Amount

Starting at 0%

APR

Next pay cycle (61 days max.)

Term

Stay out of the overdraft and avoid interest charges with a Bree short-term loan. Bree makes it easy to qualify with no minimum income requirement. But you'll have to pay a $2.99 monthly membership fee plus an additional fee for same-day funding, which varies based on your loan amount.
  • Easy to apply
  • 0% interest
  • No late fees
  • No credit check
  • $2.99 monthly membership fee
  • Small loan amounts (up to $350)
  • Extra fee for same day funding
Loan amount $20 – $350
APR Starting at 0%
Term Next pay cycle (61 days max.)
Fees 0% interest for cash advances but a $2.99 monthly membership fee applies, fee for express funding (varies based on advance)
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.
Serviced provinces All provinces and territories

KOHO Cover
Not yet rated
Go to site Read review

$20 – $250

Loan Amount

Starting at 0%

APR

Flexible

Term

KOHO Cover is a convenient alternative to traditional overdraft protection. Like other cash advances, you don't pay interest or late fees and there's no credit check required to qualify. Borrow up to $250 instantly through the KOHO app, or withdraw funds from an ATM. One of the best parts is that you don't have to pay within a specific time frame.
  • No interest charges
  • No hidden fees
  • Fast funding
  • Requires KOHO membership plan
  • Cover monthly fee
  • Limited to $250 maximum
Loan amount $20 – $250
APR Starting at 0%
Term Flexible
Fees subscription fee starting at $2/month
Turnaround time Immediately
Serviced provinces All provinces and territories

How do cash advance apps work?

Cash advance apps are generally user-friendly. You download the app and link your external bank account. Provide basic personal information and verify your identity and bank account details. You may also be required to have direct deposit enabled to qualify for an advance, but in most cases, there’s no credit check.

Once the app provider determines you qualify for a cash advance, you can usually request as much as you want up to your approved borrowing limit. Borrowing limits may be low at first but could increase with activity. In most cases, you’ll repay the loan on your next payday. Some apps let you choose a repayment date, which is normally within two weeks of getting an advance.

Pros and cons of using cash advance apps with no credit check

Cash advance apps are convenient and typically cheap, but there are some drawbacks.

Pros
  • No credit checks. Most apps don’t require credit checks, but some still help you build or repair credit.
  • Fast funding. If you don’t mind paying a small fee to expedite the transfer, you could have a loan in minutes. Some apps offer fast funding at no extra cost.
  • Easy lending requirements. Typically, you only need recurring income, a bank account and Canadian residency to qualify for a cash advance via mobile app.
  • No interest charges. Most cash advance apps don’t charge interest or NSF fees.
Cons
  • Small loan amounts. Cash advance apps typically only offer loan amounts up to a few hundred dollars.
  • Subscription fees. Having to pay monthly subscription fees could be a deterrent to some users. However, not all apps have a subscription fee.
  • Fees for expedited transfers. If you need the funds immediately, you may need to pay a small fee for instant transfers.
⚠️ 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. 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. Maximum borrowing costs will vary by province. Review the maximum borrowing cost for your province before entering into a loan agreement.

Get payday loans with no credit check

Like cash advances, payday loans are easy to qualify for. But fees are much higher, with APRs ranging from around 390% to 780%. This type of funding is best used as a last resort. Make sure the fees and short repayment term fit within your budget before applying.

iCash Payday Loan
Not yet rated
Go to site Read review

Undisclosed

Loan Amount

Undisclosed

APR

7 - 62 days

Term

iCash provides fast payday loans in Canada with instant application decisions and 24/7 funding via e-Transfer. Apply via mobile app in minutes. iCash accepts many types of income, including government benefits and social assistance.
  • Instant application decision
  • Round-the-clock customer care
  • Accepts borrowers with bad and no credit
  • Quick funding via e-Transfer
  • Extremely high fees
  • Terms of 2 weeks up to 62 days, depending on where you live.
  • Not available across Canada
Loan amount Undisclosed
APR Undisclosed
Term 7 - 62 days
Min. credit score None
Turnaround time As little as 2 minutes with Interac e-Transfer

Money Mart Payday Loan
Not yet rated
Read review

Undisclosed

Loan Amount

Undisclosed

APR

1 - 62 days

Term

Get a payday loan from Money Mart online or in-person at one of 500+ locations across Canada. Loan amounts range from $120 to $1,500, and it's possible to get no credit check loans the same day. Money Mart also offers installment loans, business loans, money transfers and prepaid credit cards.
  • Apply online or in-person
  • Fast approval
  • Receive funds in cash or via transfer
  • Very high interest rate
  • Short repayment terms
  • Not available across Canada
Loan amount Undisclosed
APR Undisclosed
Term 1 - 62 days
Turnaround time As little as 1 hour after getting approved

You don’t need a credit check to use any of these cash advance or payday loan apps. Compare loan providers to get no credit check loans the same day or within several business days.

Cash advance apps

Pay advance appLoan amountCostTurnaround time

Credit Line

$30 – $2500% interest and no fees to access credit, optional $11.99/month membership for premium services like instant funding1-30 minutes with a paid membership or 1-3 business days with a free membership.
Bree

Early Pay

Up to $3500% interest for cash advances but a $2.99 monthly membership fee applies, fee for express funding (varies based on advance)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.
KOHO

Cash Advance

$20 – $250Pay a subscription fee starting at $2/monthInstant with a KOHO account (other requirements apply)
Woveo logo

Cash Advance

Up to $500No monthly fee for Woveo Freemium, $10/month for Woveo PremiumInstant funding ($2 with Woveo Freemium, free with Woveo Premium)

Payday loan apps

Payday loan appLoan amountCostTurnaround time
iCash

Payday Loan

$100 – $1,500Varies by province (refer to the table above for rates by province)No credit check instant loans 24/7
Wagepay

Payday Loan

$100 – $1,500Varies by province, but cheaper than industry standardsNo credit check instant loans 24/7
Credit Club

Payday Loan

$100 – $1,500Varies by province (refer to the table above for rates by province)Get funding within 30 minutes
Money Mart

Payday Loan

$120 – $1,500Varies by province (refer to the table above for rates by province)As little as 1 hour after getting approved
PAY2DAY

Payday Loan

$300 – $1,500Varies by province (refer to the table above for rates by province)Within 1-2 hours via e-Transfer once approved
Focus Cash Loans

Payday Loan

$100 – $1,500Varies by province (refer to the table above for rates by province)Approval within 30 mins. during business hours, e-Transfer within 30 mins. after approval
Mr. Payday

Payday Loan

$100 – $1,500Varies by province (refer to the table above for rates by province)30 minutes to get approved during business hours, and another 30 minutes to get an e-mail transfer once approved
My Canada Payday

Payday Loan

$100 – $1,500Varies by province (refer to the table above for rates by province)Funds will be sent in as little as 15 minutes via Interac e-Transfer
Speedy Cash

Payday Loan

$250 – $1,500Varies by province (refer to the table above for rates by province)24-hour application process with funding on the spot for in-person payday loan approvals, and up to 1 business day to e-Transfer for online applications
Loan Express

Payday Loan

$100 – $1,500Varies by province (refer to the table above for rates by province)Within minutes via Interac e-Transfer

Alternatives to cash advance apps

  • Payday loans. A payday loan is often considered a last resort due to high rates and fees and the risk of falling into a debt cycle. However, loan amounts can be higher, and they’re typically easy to qualify for as long as you have a job.
  • Credit card cash advances. With a credit card, you can get a cash advance from a bank or ATM with no credit check or hassle, but the interest rate is usually higher than the regular purchase rate.
  • Personal loans. You may want to consider a personal loan if you need a larger loan amount. Online lenders typically provide funding within a day or two and may have more competitive rates.

Bottom line

Cash advance loans with no credit check can be an excellent convenience when you require short-term loans and need funds right away. While most cash advance apps don’t require a credit check to qualify, it’s always a good idea to check the fine print to be sure.

It’s also a smart move to consider multiple apps and compare subscription fees, eligibility requirements and fees for expedited transfers to find the one that makes the most sense for you.

Frequently asked questions

Stacie Hurst's headshot
Written by

Associate editor

Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family. See full bio

Lacey Stark's headshot
Co-written by

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

More guides on Finder

Ask a question

You must be logged in to post a comment.

Go to site