7 Loans Like Loan Express to Get Fast Funding

Payday lender Loan Express is well known for offering an easy application process and quick funding. It’s a popular option when you need a loan to cover urgent expenses, but it’s not your only choice.

If you’re looking for loans like Loan Express, here are some lenders to consider.

• Payday loans like Loan Express
• Cash advances like Loan Express
• Installment loans like Loan Express

Payday loans like Loan Express

The following payday loans like Loan Express offer easy approval and funding.

If you’re looking for 24/7 approval and e-Transfer: iCash

Go to site Read review

iCash Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

iCash is one of the fastest payday lenders in Canada. It gives an instant decision on your application and sends your money quickly via e-Transfer 24/7. Like Loan Express, iCash accepts applicants with bad credit or non-employment income.

• Apply in minutes and receive an instant decision
• Round-the-clock customer care with an automated approval process
• Flexible requirements, accepting borrowers with bad credit and no credit
• Receive your cash quickly via Interac e-Transfer

• Extremely high fees
• Repayment terms of two weeks up to 62 days, depending on where you live
• Not available across Canada

Loan Amount	$100 – $1,500
Loan Term	7 - 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	AB, BC, MB, NB, NS, ON, PEI
Speed	As little as 2 minutes with Interac e-Transfer
Credit Check	Yes
Requirements	- At least 18 years old (for applicants in Alberta, Manitoba, Ontario and PEI) - At least 19 years old (for applicants in British Columbia, New Brunswick and Nova Scotia) - Canadian resident in a province that iCASH services - Valid cell phone number, address and email address - Net income of at least $800/month deposited into bank account - Receiving the same source of income for the past 3 months - Have a Canadian bank account that's been open for at least 3 months with online banking

If you’re looking for a no credit check payday loan: Cashco

Read review

Cashco Financial Payday Loans

$50 – $1,500
Loan amount

1 – 62 days
Loan Term

Undisclosed
Min. Turnaround Time

• Info
• Pros + Cons
• Details

Cashco is an alternative lender that has offered financing for over 30 years. It is headquartered in Edmonton, Alberta, but its payday loans are available in AB, BC and SK. Like Loan Express, you won't have to go through a credit check to get approved.

• No issues with low credit scores
• Fast funding
• Government benefits are accepted as income

• Extremely expensive
• Not available Canada-wide

Loan Amount	$50 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	AB, BC and SK
Speed	Same day approval
Credit Check	No
Requirements	Have an active bank account

Cash advances like Loan Express

The options below are not payday loans, but they share similarities with Loan Express. They’re zero-interest cash advances and have easy requirements, but you may pay a fee.

If you’re looking for flexibility: Nyble

9.3 Excellent

Go to site Read review

Nyble Credit Line

$30 – $250
Loan amount

Starting at 0%
APR

31 days, extendable
Term

• Info
• Pros + Cons
• Details

Apply online for an interest-free line of credit of up to $250 to cover small expenses and build your credit. Get funds in 1-3 business days with a free account. For $11.99, get access to premium services, including funding in 1-30 minutes, credit monitoring and identity theft protection. Repay on your next payday or extend your loan term if you're not ready.

• Easy application process
• No credit check
• No interest
• Can improve your credit score
• Roll over your loan

• $11.99 for fast transfers, full credit report and other premium perks
• Small loan amounts only

Costs	0%
Loan Amount	$30 – $250
Loan Term	31 days, extendable
Credit Check	No
Turnaround Time	1-30 minutes with a paid membership or 1-3 business days with a free membership.
Requirements	You must be 18 years or older and have a minimum monthly income of $1,000.
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

If you have a low income or non-employment income: Bree

Non-employment incomes include Canada child benefit, pension, disability and more.

8.8 Great

Go to site Read review

Bree Early Pay

$20 – $500
Loan amount

Starting at 0%
APR

Next pay cycle (90 days max)
Term

• Info
• Pros + Cons
• Details

If you're not employed but are currently receiving benefits, try Bree, which is open to many types of income. As long as you have recurring income paid into your bank account, it's possible to get approved. Access up to $500 with no interest and no credit check. Pay a $2.99 monthly membership fee plus an extra fee if you want instant funding.

• No credit check
• Instant approval and funding available
• 0% interest

• $2.99 optional monthly membership fee for express funding
• Small amounts only

Costs	0%
Loan Amount	$20 – $500
Loan Term	Next pay cycle (90 days max)
Credit Check	No
Turnaround Time	Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and within 1 to 3 business days for standard delivery.
Requirements	You must have a bank account with regular income deposits and a Visa or Mastercard debit card with a CVV
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.9

If you’re looking for a no credit check cash advance: KOHO

8.7 Great

Go to site Read review

KOHO Cover

$20 – $250
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Pros + Cons
• Details

If your credit score isn't the best and you're looking for a no credit check cash advance, try KOHO. Get a cash advance ranging from $20 to $250 when you pay 0% + monthly fee from $2. You'll need a KOHO account to access this service.

• No credit check required to get approved
• Bad credit is okay
• No income requirements
• No interest
• Flexible repayments

• Start with low amounts
• Subscription fee

Costs	0% + monthly fee from $2
Loan Amount	$20 – $250
Loan Term	Flexible
Credit Check	No
Turnaround Time	Immediately
Requirements	KOHO account—access higher loan amounts over time by using KOHO for everyday spending, repaying your monthly fees and using its other services
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.3

Installment loans like Loan Express

Payday loans are capped at $1,500, so if you need more than that, you might want to consider one of these installment loans instead.

If you’re looking for quick pre-approval: Loans Canada

8.6 Great

Go to site Read review

Loans Canada Personal Loan

$500 – $50,000
Loan amount

8.99% – 35%
APR

4 - 60 months
Term

• Info
• Pros + Cons
• Details

Loans Canada is not a direct lender but a loan search platform that matches you with lenders. It's a legit option when your financial situation isn't strong and you need to find lenders who can approve you.

• Fill out just one application to get matched
• Bad credit is accepted
• Large network of lenders

• High interest rates

Loan Amount	$500 – $50,000
APR Range	8.99% – 35%
Loan Term	4 - 60 months
Serviced Provinces/Territories	All of Canada
Turnaround Time	Receive funds in as little as 24 hours.
Min. Credit Score	300
Fees	No application, origination or brokerage fees
Requirements	Canadian resident, age of majority in your province of residence

If you’re looking for a small installment loan: MDG

7.1 Great

Read review

MDG Financial Installment Loan

Up to $1,600
Loan amount

Undisclosed
APR

Up to 36 months
Term

• Info
• Pros + Cons
• Details

MDG is not a payday loan but a small installment loan with loan amounts similar to a payday loan. Like Loan Express, MDG accepts non-employment income and/or bad credit.

• Repay in installments
• Flexible requirements

• High interest rates

Loan Amount	Up to $1,600
APR Range	Undisclosed
Loan Term	Up to 36 months
Serviced Provinces/Territories	All provinces
Min. Credit Score	560

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What’s a good Loan Express alternative?

It depends on your personal situation, but if you don’t need a ton of money, you might want to consider a cash advance app like KOHO, Nyble or Bree instead of a payday loan. Cash advance apps let you access small amounts of money (up to $500) quickly without the high fees and interest rates of typical short-term lenders like Loan Express.

Instead of charging interest, cash advance apps may ask for optional tips or charge a subscription fee. You may also have to pay extra for instant funding. Otherwise, you’ll have to wait up to three business days to get your money.

What is Loan Express?

Loan Express is a payday lender that offers its services in most provinces. Operating since 2005, it provides approval 24/7, instant funding and no credit checks. Its loans are regulated under provincial payday lending laws but come with APRs up to 365%, making them suited for emergency, short-term borrowing. Learn more about Loan Express.

Features of loans like Loan Express

Online payday loans like those provided by Loan Express share a similar set of features, including the following:

• Easy application. Online loan applications are available 24/7 and you can apply in under 10 minutes. There’s no need to visit any physical locations unless you choose to apply in person (provided these lenders have a physical location nearby).
• Fast turnaround time. Payday lenders offer instant decisions and instant funding via Interac e-Transfer. Learn more about instant loans.
• Bad credit doesn’t matter. Payday lenders shift the emphasis from your credit score to your ability to repay your loan. As long as you can prove you have a stable income to repay your loan, you should be in the clear.

Risks of loans like Loan Express

• Short repayment terms. Payday loans get their name because you’re typically required to pay back the loan by your next payday. They’re short-term solutions to your financial problems, so you’ll need to have a concrete plan for repaying your loan when it’s due.
• Incredibly high rates and fees. Due to their short-term nature and accessibility, payday loans come with much higher annual percentage interest rates (APRs) than other forms of credit. You’ll pay $14 for every $100 borrowed.
• Increases your chances of staying in a cycle of debt. With quick repayments and high APRs, payday loans could leave you in a spiral of debt. With steep interest rates and more penalties for not repaying your loan on time, they can trigger a snowball of debt if you don’t have an exit strategy.

How to apply

If you’re ready to apply for a payday loan, follow these steps:

1. Visit the lender’s website.
2. Provide information about yourself, including your date of birth, mailing address and contact details.
3. Fill in your employment details or benefits information if you’re receiving government benefits like a pension, EI or welfare.
4. Provide information about your monthly income, including how frequently you’re paid.
5. Enter your bank account details and agree to electronic transfers. Confirm the website is secure before providing this information.

You’ll need to read over a lender’s terms of service and privacy policy before submitting your application. The best payday loan providers will always have a secure online application and outline your loan’s final amount so you know exactly how much it will cost to borrow. Payday lenders are not allowed to charge more than $14 for every $100 borrowed.

Loan Express vs iCash: Who’s better?

Loan Express and iCash are two of the most popular payday lenders in Canada. Here’s how they stack up.

Our verdict

Since Loan Express and iCash are both licensed payday lenders and follow strict provincial regulations, their loans are very similar. They both offer 24/7 applications, instant funding and accept non-employment income. However, Loan Express is available in more provinces and doesn’t conduct a credit check, while iCash offers cashback when you pay back multiple loans.

Do Canadians plan to get a payday loan?

According to the Finder: Consumer Sentiment Survey January 2025, many Canadians do not plan to take out a loan in the next three months with “no plans to take out any form of credit” as the number one response (46%). For those who do plan to get a loan, payday loans were not a popular option (4%).

Bottom line

If you’re looking for a payday lender that approves applications outside of business hours, accepts different forms of income and provides no credit check, Loan Express fits the bill. But it’s always worth shopping around and comparing lenders before submitting your application. You may find an alternative option that will save you money or make it easier to manage your loan in the long run.

Frequently asked questions

• Is Loan Express legit?

  Yes, Loan Express is a legitimate, well-established payday lender in Canada. It's fully licensed in the eight provinces in which it operates, and has over 9,500 reviews on Trustpilot with an average rating above 4.8 out of 5 stars.

• How fast can I get a payday loan?

  It depends on the lender you're working with and whether they have all the details needed to approve your application. Lenders like Loan Express accept applications 24/7 via automated processes, so you could get approved in minutes and receive your funds via Interac e-Transfer minutes after signing your loan.

  The important factor here is ensuring you have the required information ready, such as identity and income verification. Learn more about 24/7 e-Transfer loans.

• How do I repay my payday loan?

  That depends again on the lender you're working with. For the most part, lenders will set up automatic withdrawals on an agreed repayment date using the bank account you signed up with during the application process. In other cases, you may opt to repay your loan in person at a physical store or over the phone.

• Does Loan Express have an app?

  Yes, Loan Express has an app on the Apple App Store and Google Play.

• How do I get my payday loan funds?

  You can receive your payday loan in a number of ways:

  • Interac e-Transfer or direct deposit. Your lender can send your money via Interac e-Transfer or direct deposit. If you opt for Interac e-Transfer, you'll need to be registered with your bank first.
  • Cash. If your lender has a physical location close to you, you can head over, apply and receive your payday loan in cold, hard cash.
  • Loaded onto a prepaid card. A few payday lenders transfer funds directly onto a prepaid card tied to your payday loan account.

To make sure you get accurate and helpful information, this guide has been edited by Stacie Hurst as part of our fact-checking process.

Written by

Leanne Escobal

Publisher

Leanne Escobal is a publisher at Finder with more than 12 years of experience in financial products and services, with a focus on content strategy and marketing. She has completed the Canadian Securities Course (CSC®) as well as the Personal Lending and Mortgages course through the Canadian Securities Institute. Leanne holds a Bachelor of Arts (Honours) in English literature and creative writing from Western University. See full bio

Leanne's expertise

Leanne has written 175 Finder guides across topics including:

• Personal Loans
• Car Loans
• Business Loans
• International Money Transfers
• Make Money Online

Co-written by

Rebecca Low

Writer

Rebecca Low is a writer for Finder. She has contributed to a range of digital publications, including income.ca, Indeed, and Expatden, writing on topics like personal finance, career development, and travel. See full bio