Related: Cash advance apps in Canada
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Loans and apps like Cash App in Canada
Looking for alternatives to Cash App in Canada? Check out these popular options.
Cash App is a finance app that provides peer-to-peer payments, everyday banking and investing services. Its Cash App Borrow feature allows eligible Cash App users in the US to take out a short-term loan of up to $200 to cover financial emergencies.
However, you’ll need to satisfy specific eligibility requirements to qualify for a loan.
Is Cash App in Canada?
No. Unfortunately, Cash App isn’t available in Canada, and is only available to select customers in the USA and the UK.
But if you’re looking for a small, short-term loan or a way to send money transfers, there are several other options to consider. Check out these loans or apps like Cash App in Canada.
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Cash advances like Cash App in Canada
1. Bree
Bree Early Pay
$20 – $350
Loan amount
Loan amount
Starting at 0%
APR
APR
Next pay cycle (61 days max.)
Term
Term
Pay advance service Bree lets you borrow as much as $350 to help you cover expenses until your next payday. It's easy to apply and there are no interest charges to worry about, but there's a small monthly subscription fee plus an extra fee if you want fast access to funds.
- Easy application process
- No credit checks
- 0% interest and no late fees
- $2.99 monthly membership fee
- Loan amount may not be enough for your needs
- Extra fee for fast transfers
| 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. |
2. Nyble
Nyble Credit Line
$30 – $150
Loan amount
Loan amount
Starting at 0%
APR
APR
30 days, extendable
Term
Term
Apply online for an interest-free line of credit of up to $150 to cover small expenses and build your credit. Get funds in 1-3 business days with a free account. For $11.99 per month, get access to premium services, including funding in 1-30 minutes, a free Equifax credit report and identity theft protection.
- Easy to apply
- No credit checks
- No interest
- $11.99 per month for fast transfers, full credit report and other premium perks
- Small loan amounts only
| Loan amount | $30 – $150 |
|---|---|
| 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 |
| Origination fee | $11.99 |
| Turnaround time | 1-30 minutes with a paid membership or 1-3 business days with a free membership. |
3. KOHO
KOHO Cover
$20 – $250
Loan amount
Loan amount
Starting at 0%
APR
APR
Flexible
Term
Term
Get a zero-interest cash advance ranging from $20 to $250 when you pay a subscription fee starting at $2/month. You'll need a KOHO account to access this service.
- No late fees
- Zero interest
- No impact to credit score
- Free financial coaching available
- KOHO account required
| Loan amount | $20 – $250 |
|---|---|
| APR | Starting at 0% |
| Term | Flexible |
| Fees | subscription fee starting at $2/month |
| Turnaround time | Immediately |
⚠️ 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.Payday loans like Cash App in Canada
1. iCash
iCash Payday Loan
$100 – $1,500
Loan amount
Loan amount
7 – 62 days
Loan Term
Loan Term
2 minutes
Min. Turnaround Time
Min. Turnaround Time
Next on our list of instant loans like Cash App in Canada, iCash is an online payday lender available 24/7. You can get approved and funded for a loan within an hour, and iCash also offers a mobile app for convenient applications.
- 4.8/5 stars based on over 2,100 Trustpilot reviews
- Get money within an hour
- Get funded 24/7
- Payday loans are expensive
- Short repayment terms
- Not available in all provinces
| Loan amount | $100 – $1,500 |
|---|---|
| APR | Varies by province |
| Term | 7 - 62 days |
| Min. Turnaround time | As little as 2 minutes with Interac e-Transfer |
| How to apply | Online In Store |
| Credit Check | Yes |
2. GoDay
GoDay Payday Loan
$100 – $1,500
Loan amount
Loan amount
1 – 62 days
Loan Term
Loan Term
2 minutes
Min. Turnaround Time
Min. Turnaround Time
GoDay is an online-only direct lender offering quick payday loans. It's a licensed lender and has been in business since 2012.
- Instant decisions
- Fast access to funds
- Established lender with A Better Business Bureau rating
- Bad credit is okay
- Not available in all of Canada
- High cost of borrowing
| Loan amount | $100 – $1,500 |
|---|---|
| APR | Varies by province |
| Term | Up to 62 days |
| Min. Turnaround time | As little as 2 minutes with Interac e-Transfer |
| How to apply | Online In Store |
| Credit Check | Yes |
3. PAY2DAY
PAY2DAY Payday Loan
$300 – $1,500
Loan amount
Loan amount
Up to 62 days
Loan Term
Loan Term
60 minutes
Min. Turnaround Time
Min. Turnaround Time
PAY2DAY is a payday lender that accepts online and in store loan applications. You won't need to undergo a credit check to apply, and support for Interac e-Transfers means you can get the money you need quickly.
- Get cash in 1 to 2 hours
- 4.8/5 stars based on over 4,200 Trustpilot reviews
- 24/7 online approvals and funding
- Not available in all provinces
- High cost of borrowing
- Short loan terms
| Loan amount | $300 – $1,500 |
|---|---|
| APR | Varies by province |
| Term | Up to 62 days |
| Min. Turnaround time | Within 1-2 hours via e-Transfer once approved |
| Credit Check | No |
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 |
Cash App for mobile banking and payments
Cash App doesn’t just offer small, short-term loans to eligible users in the USA and UK. It can also be used to send and receive money transfers, earn interest on your account balance, and access your money using a linked debit card.
As you already know, Cash App isn’t available in Canada — but the alternatives below are.
Banking and mobile payment solutions like Cash App in Canada
1. Interac
N/A
Transfer Fees
Transfer Fees
N/A
Fastest Transfer Speed
Fastest Transfer Speed
N/A – N/A
Transfer Amount
Transfer Amount
Interac is an interbank payment network that links Canadian financial institutions. Interac e-Transfers let you send fast money transfers to anyone who has an account with a participating bank or credit union and an active email address or mobile number. It's easy to send an e-Transfer from your financial institution's online or mobile banking app. Interac also offers the Interac Debit service which can be used to shop online and make e-commerce payments from your digital wallet. Full Review
- Send money almost instantly
- Use your regular bank account
- Available at most banks and credit unions
- Easy money transfers
- Some bank accounts charge a fee for sending e-Transfers
- You'll need an account with National Bank if you want to send an international transfer
| Transfer Amount | N/A – N/A |
|---|---|
| Pay By Method | Interac e-Transfer |
| Transfer Methods | Through app Online |
2. Wise
From 0.42%
Transfer Fees
Transfer Fees
24 hours
Fastest Transfer Speed
Fastest Transfer Speed
$1 – $1,500,000
Transfer Amount
Transfer Amount
Wise is best known as an international money transfer service, allowing you to send money to bank accounts in 76 countries around the world at the mid-market exchange rate. It also offers a multi-currency account that lets you send and spend money in 52 currencies, an international debit card for making purchases overseas, and local bank account details that let you receive payments in 8 different currencies. Full Review
- Get the mid-market exchange rate
- Easy to manage your global spending
- Transparent fee structure
- User-friendly app
- 24/7 multilingual support
- Transfer fees apply
- Only supports transfers to bank accounts
| Transfer Amount | $1 – $1,500,000 |
|---|---|
| Payout Method | Bank account Alipay (China only) |
| Pay By Method | Credit card Debit card Bank transfer Interac e-Transfer Online bill payment Direct debit (EFT) |
| Transfer Methods | Through app Online |
3. PayPal
From $0
Transfer Fees
Transfer Fees
N/A
Fastest Transfer Speed
Fastest Transfer Speed
$1 – $10,000
Transfer Amount
Transfer Amount
PayPal provides a secure online payment method for online shopping. It allows you to quickly check out without revealing your credit card details, while you can also use the PayPal app to send money to friends and family. And thanks to a partnership with money transfer service Xoom, you can send international transfers to over 130 countries as well. Full Review
- Easy to use
- Send money with credit card, debit card or bank account
- Supports multiple transfer delivery methods
- Watch out for fees
- Exchange rate markups apply
- There are faster ways to send money
| Transfer Amount | $1 – $10,000 |
|---|---|
| Payout Method | Cash pickup location Bank account Mobile wallet |
| Pay By Method | Credit card Debit card Bank transfer |
| Transfer Methods | Through app Online |
4. MoneyGram
From $4.99
Transfer Fees
Transfer Fees
within minutes
Fastest Transfer Speed
Fastest Transfer Speed
$1 – $990
Transfer Amount
Transfer Amount
MoneyGram is an international money transfer service that lets you send funds to over 200 countries and territories around the world. It's best known for offering fast cash transfers to a global network of over 350,000 locations. But MoneyGram also supports transfers to bank accounts and mobile wallets, and you can pay for the transaction using your credit card, debit card, bank account or cash. Full Review
- Huge global network
- Get cash to your recipient within minutes
- Highly rated mobile app
- Wide range of payment and delivery methods
- High exchange rate markup
- Watch out for fees
| Transfer Amount | $1 – $990 |
|---|---|
| Payout Method | Cash pickup location Bank account Mobile wallet Home delivery |
| Pay By Method | Cash Credit card Debit card Bank transfer |
| Transfer Methods | In person Online |
5. Xe
$0
Transfer Fees
Transfer Fees
N/A
Fastest Transfer Speed
Fastest Transfer Speed
$1 – $750,000 online (no max offline)
Transfer Amount
Transfer Amount
Xe is a foreign exchange company that offers online international money transfers to 200 countries in 100 currencies. You can send money online or via the Xe app, and transfer the funds to your recipient's bank account, mobile wallet or as cash. Multiple payment methods are also supported for added flexibility. Full Review
- Easy to use
- Highly rated mobile app
- Send money just about anywhere
- Wide range of payment and delivery options
- There are faster ways to send money
- Exchange rate markups apply
| Transfer Amount | $1 – $750,000 online (no max offline) |
|---|---|
| Payout Method | Bank account |
| Pay By Method | Credit card Debit card Bank transfer |
| Transfer Methods | By phone call Through app Online |
6. OFX
$0
Transfer Fees
Transfer Fees
24 hours
Fastest Transfer Speed
Fastest Transfer Speed
$250 – Unlimited
Transfer Amount
Transfer Amount
OFX is a specialist money transfer service that lets you send money to over 170+ countries. You can send payments in 52 currencies, then pay for your transaction via direct debit or wire transfer. OFX lets you send money online or via a mobile app, and if you need help with a transaction, 24/7 support is available. Full Review
- Send money to over 170+ countries
- Limit orders and forward contracts available so you can get the rate you want
- FINTRAC regulated
- Send money to bank accounts only
- Other options are better if you need to send a fast transfer
| Transfer Amount | $250 – Unlimited |
|---|---|
| Payout Method | Bank account |
| Pay By Method | Debit card Bank transfer |
| Transfer Methods | By phone call Through app Online |
7. Apple Cash
N/A
Transfer Fees
Transfer Fees
N/A
Fastest Transfer Speed
Fastest Transfer Speed
N/A – N/A
Transfer Amount
Transfer Amount
Apple Cash is a digital card that's built into your iPhone or iPad. You can use it to send, receive and request money, with Apple Cash accessible through your Wallet. You can also use it to make purchases using Apple Pay. Full Review
- Easy to set up and use
- Send money in messages or from your Wallet
- Only for iOS devices
- Not available to Canadian residents
| Transfer Amount | N/A – N/A |
|---|---|
| Payout Method | Mobile wallet |
| Transfer Methods | Through app |
How to find the best cash app in Canada
There are several factors to consider when searching for the best cash app in Canada. Factors to consider include:
- Loan amount. Check out how much you can borrow through these Cash App alternatives. Some offer small loans of $200 or less, while others provide access to payday loans of up to $1,500.
- Turnaround time. Read the fine print to find out how long it will take you to apply for a loan, get approved and get funded. If you need money fast, some services allow you to get a loan within an hour. Learn more about fast, easy loans.
- Interest rate and fees. Check the total cost of borrowing, including any interest rates and fees. If you take out a payday loan, the maximum amount a lender can charge you is limited to $14 to $17 for every $100 borrowed depending on where you live. If you use a pay advance service, there are typically no interest charges but subscription and express transfer fees often apply.
- How to access funds. Will the funds be sent to your bank account via Interac e-Transfer or direct deposit, or will you be able to spend the loan amount using a prepaid debit card?
- Eligibility requirements. Find out what criteria you’ll need to meet to qualify for a loan, such as credit score, income and employment requirements.
- Transfer speed. If you’re using the app to send money, check how long it takes for your payment to make it to your recipient. Transfer times may vary depending on the payment and delivery methods you select.
- Supported currencies. For international transfers, check which currencies the provider supports and which countries you can send money to.
- Payment and delivery options. Check what payment options are available when sending money. Also check how your recipient will get the money — in their mobile wallet, to their bank account or as a cash pickup.
- Other features. Finally, be sure to check what other financial services (if any) the app offers. These may include:
- Peer-to-peer payments
- Budgeting and money management tools
- Investing services
- Cash back on purchases
Where to get small loans in Canada
If you need to take out a small loan in Canada, you probably won’t be able to find what you need at a bank or credit union. These traditional lenders tend to have high minimum personal loan amounts, commonly $1,000 – $3,000, which may be more than you need to borrow.
However, the good news is that there are still several other options to consider:
- Personal loans from online lenders. Online lenders offer smaller loan amounts and also have more lenient eligibility requirements than traditional lenders. Loan amounts start from $500 and it’s easy to apply online, but watch out for high rates.
- Payday loans. Payday loans offer fast access to amounts of up to $1,500. You can apply online or in-store, but be aware that payday loans are an extremely expensive way to borrow money.
- Pay advance apps. Pay advance services offer small loans that are typically $200 or less. There’s no interest and no credit checks to worry about, but a subscription fee usually applies. You may also need to pay an additional fee if you want to access the funds straight away.
- Credit card cash advances. A credit card cash advance is a quick and convenient way to access emergency funds. Just be aware that a cash advance fee and high interest rates apply.
- Overdrafts. Choosing overdraft protection on your chequing account can help you avoid NSF fees when you get short of funds. However, high interest rates and overdraft fees apply.
Dive deeper: Small loans you can get in Canada
Where to get quick emergency loans in Canada
When you need money in a hurry, there are two main emergency loan options to choose from:
- Payday loans. Payday loans allow you to take out an emergency loan in as little as an hour in some cases. You can apply online or in-store, and some lenders operate 24/7. However, payday loans have very short repayment terms and come with very high APRs, so they should only be considered as a last resort.
- Personal loans. Online personal loan lenders allow you to apply for a loan and get funded within 24 hours. They offer longer terms and higher amounts than payday loans, but the eligibility requirements are usually stricter.
Depending on your circumstances, there are a couple of other options you may like to consider. If you only need a small loan of $100 or so, a pay advance service may be the most cost-effective solution. Alternatively, if you need cash fast without the hassle of applying for a new loan, you might want to use your credit card to withdraw a cash advance.
Ultimately, you’ll need to compare a range of loan options to find the best solution, and check out our emergency loans guide for more information.
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