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5 apps like Bree in Canada

Cover unexpected bill payments and avoid overdrafts with these apps like Bree.

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Bree Early Pay

Bree Early Pay logo
  • Access up to $250
  • No interest or required fees
  • No credit check required
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Bree is a new lender that provides cash advances of up to $250. Launched in 2021, it aims to help Canadians avoid overdrafts and NSF fees at no cost.

If you’d like to explore apps or sites similar to Bree, check out our list below. Some of these providers offer higher loan amounts and instant funding 24/7, but they also charge higher interest rates.

5 sites like Bree in Canada

1. Nyble

Nyble Credit Line
Not yet rated
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Nyble Credit Line

$30 – $150
Loan amount
Starting at 0%
APR
30 days, extendable
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 application process
  • No credit checks
  • No interest
  • Can improve your credit score
  • Roll over your loan
  • Loan amount may not be enough for your needs
  • $11.99 per month for fast transfers and other premium perks
Loan amount $30 – $150
APR Starting at 0%
Term 30 days, extendable
Fees No interest or fees to access credit line, optional $11.99/month membership to get premium services such as instant funding
Turnaround time 1-30 minutes with a paid membership or 1-3 business days with a free membership.

2. KOHO

KOHO Cover
Not yet rated
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$20 – $250
Loan amount
Starting at 0%
APR
Flexible
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. Full Review
  • 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
Serviced provinces All provinces and territories
⚠️ 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.

3. iCash

iCash Payday Loan

$100 – $1,500
Loan amount
7 – 62 days
Loan Term
2 minutes
Min. Turnaround Time
Like Bree, iCash offers a quick, paperless application process. You can borrow up to $1,500 and get e-Transfer funding in as little as 2 minutes after approval. iCash provides payday loans, so watch out for high interest rates.
  • 4.6/5 stars based on over 2,400 Trustpilot reviews
  • Funding within an hour
  • 24/7 approvals and funding
  • 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

4. Cash Money

Cash Money Payday Loan

$100 – $1,500
Loan amount
5 – 40 days
Loan Term
15 minutes
Min. Turnaround Time
Cash Money's app offers fast approval and funding like Bree. However, Cash Money's loans are payday loans, which have higher loan amounts and higher interest rates.
  • 4.4/5 stars based on more than 3,800 Trustpilot reviews
  • Instant decisions
  • Funding in as little as 15 minutes via Interac e-Transfer&reg
  • Established lender with A+ Better Business Bureau (BBB) rating
  • Not available in all provinces
  • High cost of borrowing
Loan amount $100 – $1,500
APR Varies by province
Term 5 - 40 days
Min. Turnaround time As little as 15 minutes with INTERAC e-Transfer®
How to apply Online
In Store
Credit Check Yes

5. PAY2DAY

PAY2DAY Payday Loan

$300 – $1,500
Loan amount
Up to 62 days
Loan Term
60 minutes
Min. Turnaround Time
PAY2DAY is another Bree alternative that offers instant payday loans through its app. Like Bree, you won't have to go through a credit check to get approved.
  • Get cash in 1-2 hours
  • 4.7/5 stars based on over 4,800 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

How does Bree compare?

You can read our Bree review for details, but here are the highlights:

  • No interest or fees
  • No credit check required
  • No documents required
  • Funding in less than 2 hours for a small fee
  • Free standard advances take up to 3 business days
  • Small loan amounts
  • Does not improve credit score

Which apps are most similar to Bree?

Nyble and KOHO are apps most similar to Bree. Like Bree, these apps offer small loan amounts and charge no interest or fees. Payday loan apps like Cash Money and iCash offer higher loan amounts and faster funding, but you’ll pay $14 to $17 for every $100 borrowed depending on where you live, which works out to annual percentage rates in the triple digits.

Payday loan apps vs cash advance apps like Bree

Payday loan apps like Cash Money and iCashCash advance apps like Bree and Nyble
Loan amountUp to $1,500Up to $200
Loan termBy your next paydayBy your next payday, or roll over to the following months
CostCan be significantly more expensive: $14 to $17 for every $100 borrowedCan be significantly cheaper: 0% interest, but monthly fee applies for Nyble
SpeedUsually instant or in under 30 minutes3 business days or within a few hours if you pay a fee
24/7 fundingAvailableNot available
EligibilityAge of majority, linked bank account, bank statements and pay stubs sometimes requiredAge of majority, linked bank account
Ease of approvalEasy to get approvedMore difficult to get approved than a payday loan
Credit checkSometimes requiredNot required
Application processOnline, in-person or sometimes through an appThrough an app
Payment methode-Transferse-Transfers
Repayment methodAutomatic withdrawal, cheque or in-person with cashAutomatic withdrawal from your bank account

How do I sign up for apps like Bree?

Sites like Bree require the following information:

  • Name, email address and phone number
  • Date of birth
  • Linked bank account via bank verification

How do I get approved for sites like Bree?

Apps like Bree usually don’t involve any credit checks, but lenders will still need to verify that you can pay back their loan. To get approved for loans offered by these lenders, show them that your bank account doesn’t have NSF transactions in the last 60 to 90 days and it has regular income deposits from valid sources, such as employment, government benefits and private pension.

Bottom line

Bree is a new lender in Canada that offers small loans to help you pay for unexpected bills and avoid overdrafts. It charges no interest or fees and instead invites you to leave a tip if you like its service. If Bree is not an option for you, consider apps most similar to Bree, such as Nyble or KOHO. These apps typically max out at $150 to $200 so if you need to borrow more as soon as possible, payday loan apps are an option. You can get a payday online in less than an hour, but the price for this convenience is high interest rates.

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