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

2 cash advance apps with no direct deposit required in Canada

Don't have direct deposit but need funds? Check out these Canadian cash advance and payday loan providers.

Most Canadian cash advance apps require you to have direct deposit for your paycheques. But this can be a stumbling block if you’re a gig worker, freelancer or don’t have direct deposit set up. A few apps in Canada offer payday loans and cash advances with no direct deposit required. Here are your options.

Jump to:

Get cash advances with no direct deposit required

You don’t need direct deposit to get a small loan from these cash advance apps in Canada. However, you might be charged a monthly subscription fee, and there may be an extra fee for fast transfers.

Nyble Credit Line
Not yet rated
Go to site Read review

$30 – $250

Loan Amount

Starting at 0%

APR

30 days, extendable

Term

Toronto-based app Nyble provides interest-free lines of credit of up to $250. You need to have stable income to qualify, but you don't need to receive your income via direct deposit. Plus, there's no credit check required and Nyble doesn't charge any fees for late payments. Repayment are automatically deducted on your next payday, but you can extend the deadline if 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

Bree is another cash advance app that doesn't require you to receive income via direct deposit. But unlike Nyble, there's no minimum income required to qualify. That being said, you'll have to pay a $2.99 monthly membership fee plus an additional (optional) 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

How do cash advance apps without direct deposit work?

Cash advance apps are pretty easy to use. Simply download the app, provide basic personal information to create an account and link your external bank account. The cash advance app determines if you’re eligible and how much you can get. It’s important to note that not everyone is eligible, and not all eligible users will be approved for the app’s maximum advance amount.

If you need a cash advance to get you to your next paycheck, request it directly through the app. If you’re eligible, you’ll receive funds immediately or within a few days, depending on the available transfer options. Sometimes, you can pick a date to repay the advance or one is assigned to you, and you’ll usually have to repay it within one to two weeks.

Requirements to qualify for cash advances without direct deposit in Canada

While you may not need to have your paycheques directly deposited to benefit from a cash advance app, there are some basic requirements to meet, which vary depending on the app. In general, you’ll need:

  • Have an active chequing account
  • Show evidence of regular deposits or income
  • Be the age of majority in your province or territory (18 or 19)

Pros and cons of using cash advance apps without direct deposit

Like any financial transaction, there are benefits and drawbacks to using cash advance apps that don’t require direct deposit.

Pros
  • Fast access to cash
  • Typically no interest charges
  • Easy to qualify
  • No credit checks
Cons
  • Smaller loan amounts than other loan options
  • Not every user is eligible for cash advances
  • Some apps charge monthly subscription fees
  • May have to pay a fee for instant funding

Pro tip:

If your advance limits are initially low, keep using the app for cash advances. Your advance limits typically get higher (up to a maximum limit) as you demonstrate regular and responsible borrowing.

⚠️ 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.

Get a payday loan with no direct deposit required

Payday loans are one of the most expensive borrowing options out there and should be treated as a last resort. APRs range from around 390% to 780%, and, with some exceptions, you’re expected to repay the full amount when you receive your next paycheque. But it’s easy to qualify for a payday loan in Canada, making it an option if you’re having trouble getting approved by other lenders.

iCash Payday Loan
Not yet rated
Go to site Read review

Undisclosed

Loan Amount

Undisclosed

APR

7 - 62 days

Term

Apply for a payday loan online in minutes with iCash, which provides instant application decisions and 24/7 funding. Customer support is available round the clock, which not all payday lenders offer. iCash conveniently accepts many types of income, including Canadian government benefits and social assistance payments.
  • 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

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

There are many Canadian loan apps to choose from, depending on your needs. Borrowing requirements vary, and not all lenders require that you receive income by direct deposit.

Cash advance apps in Canada

Cash advance appRequires income via direct deposit?
No
No
No
Undisclosed

Payday loan apps in Canada

Payday loan appRequires income via direct deposit?
No
No
No
Generally no (may be required for some applicants)
No
Yes
Yes
Yes (you must receive income via direct deposit or cheque)
No
Yes
No
No

Alternatives to cash advance apps

If you’re not eligible for cash advances or need a larger amount than you qualify for, there are other options to consider.

  • Credit card cash advances. Anyone with a credit card (and enough available balance) can get a cash advance via bank or ATM. However, interest rates are even higher for credit card cash advances than regular purchases.
  • Payday loans. A payday loan may be able to offer a larger loan amount, but you’ll pay extremely high fees for the convenience.
  • Personal loans. If you qualify, a personal loan can provide larger loan amounts with longer repayment terms and competitive interest rates.
  • Secured loans. If you have something to use as collateral, such as a car, boat, jewelry or other valuable item, you may be able to get a secured loan to cover your financial need.

Bottom line

Some cash advance apps require users to have direct deposit for their paycheques. But a few Canadian apps like Bree and Nyble provide short-term loans in the form of cash advances for borrowers without direct deposit. You don’t have to pay interest and, depending on the provider, you could get funds instantly (although a small fee may be required).

Along with some payday loan providers, this presents a great way for freelancers, gig workers and others who don’t have direct deposit enabled to get a hold of funds to cover short-term financial gaps.

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