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Compare loans like Check Into Cash

Find Canadian alternatives to Check Into Cash for small-dollar loans and fast turnarounds.

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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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Check Into Cash is a bad credit lender that offers payday loans from $50 to $1,500 and installment loans as high as $5,000, depending on your state. It can get you a loan as soon as the same day if you apply at a location — or within 1 to 2 business days if you apply online. But since Check Into Cash is not available to Canadians, we’ve rounded up a list of other payday, cash advance or installment loan lenders you can apply for in Canada.

Is Check Into Cash in Canada?

No, Check Into Cash is not available in Canada. It is only available to US residents with over 300 stores exclusively located in select states across America. Residents in those states can often apply online or in store.

7 loans like Check Into Cash

  • Alternative for fast pay advance: Nyble
  • Alternative for fee-free pay advance: Bree
  • Alternative for fast payday loans: iCash
  • Alternative for emergency loans: GoDay
  • Alternative for in-store payday lender: Cash Money
  • Alternative for overdraft protection: KOHO
  • Alternative for installment loans: LoansLoans.ca

Alternative for fast pay advance: Nyble

Nyble Credit Line
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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.
  • No credit check required
  • No application fee
  • No late payment fee
  • More affordable than payday loans
  • $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 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.

Alternative for fee-free pay advance: Bree

Bree Early Pay
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Bree Early Pay

$20 – $250
Loan amount
Starting at 0%
APR
Next pay cycle (61 days max.)
Term
Bree lets you borrow a small amount of up to $250 to help you cover expenses until your next payday. Unlike Check Into Cash, Bree won't charge any interest, but there is a small fee if you need funding within a few hours.
  • Easy application process
  • No credit checks
  • 0% interest and no late fees
  • Loan amount may not be enough for your needs
  • Monthly fee for Bree's budgeting tool
  • Fee for fast transfers
  • May not improve your credit
Loan amount $20 – $250
APR Starting at 0%
Term Next pay cycle (61 days max.)
Fees No interest or fees to access cash advance, fee for express funding (varies based on advance)
Turnaround time Within 8 hours for the express option (fee charged based on advance amount) and up to 3 business days for standard delivery
⚠️ 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.

Alternative for fast payday loans: iCash

iCash Payday Loan

$100 – $1,500
Loan amount
7 – 62 days
Loan Term
2 minutes
Min. Turnaround Time
iCash provides quick funding and accepts non-employment income. You can get e-Transfer funding in as little as 2 minutes after approval. Similar to Check Into Cash, iCash provides payday loans so you can borrow more but at higher rates.
  • 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
  • Only available in AB, BC, MB, NB, NS, ON, PEI
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

Alternative for emergency loans: GoDay

GoDay Payday Loan

$100 – $1,500
Loan amount
1 – 62 days
Loan Term
2 minutes
Min. Turnaround Time
GoDay offers payday loans you can apply for and get approved for within minutes. Once approved, loan funds can be transferred within minutes. Like Check Into Cash, GoDay offers payday loans, which means you can borrow up to $1,500.
  • 4.5/5 stars based on over 2,300 Trustpilot reviews
  • Get loan funds via e-transfer
  • Apply and get funding 24/7
  • Very expensive APR
  • Can easily trap customers in a cycle of debt
  • Only available in AB, BC, MB, NB, NS, ON, PEI, SK
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

Alternative for in-store payday lender: Cash Money

Cash Money Payday Loan

$100 – $1,500
Loan amount
5 – 40 days
Loan Term
15 minutes
Min. Turnaround Time
Through its payday loans, Cash Money offers similar loan amounts and rates to Check Into Cash. Get instant approval and funding in as little as 15 minutes when you use the Cash Money app.
  • Instant decisions
  • Fast access to funds
  • Established lender with A+ Better Business Bureau 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

Alternative for overdraft protection: 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.
  • No late fees
  • 0% interest
  • No impact on credit score
  • Free financial coaching service
  • KOHO savings 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

Alternative for installment loans: LoansLoans.ca

LoansLoans.ca Installment Loan
Finder Score:
★★★★★
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$500 – $1,000
Loan amount
28% – 32%
APR
3 months
Term
LoansLoans.ca offers fast short-term installment loans with no credit check. NCR Financial, the company that operates LoansLoans.ca, has been in business for over 15 years and is registered in Quebec.
  • Apply online and get approval within one hour
  • Interest rates can reach as high as 32%, which may be lower than Check Into Cash
  • Services: All of Canada (except Manitoba)
  • Small loan amounts between $500 and $1,000
  • The broker fee can be as high as $300
Loan amount $500 – $1,000
APR 28% – 32%
Term 3 months
Min. credit score 300
Fees Late payment fee (2.66% per month), $45 NSF fee, broker fee
Origination fee $300
Turnaround time Receive funds in less than 24 hours
Serviced provinces All of Canada (except Manitoba)
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 Check Into Cash compare?

Check Into Cash offers payday, installment and title loans or flex lines of credit. Here are the main highlights:

Pros

  • Loans as low as $50
  • Online and in-store options
  • Money can be used for any purpose

Cons

  • High APRs that exceed 300%
  • No loans over $5,000
  • Late fee of $25 to $30

See how other top payday loan providers compare in our full guide to the best payday loans in Canada here. Or, you can explore cheaper, smaller loan options by visiting our guide to pay advances.

How to decide which Check Into Cash alternative is right for you

Since Check Into Cash isn’t an option for us Canadians, it’s important to decide on the right alternative for your needs.

You’ll first need to decide what type of loan to apply for given how much you need. If you need just a small amount to get you through to the next payday, consider a pay advance loan from Nyble or Bree.

If you need to borrow a larger amount and your credit score isn’t in great shape, consider bad credit installment loans from lenders like LoansLoans.ca. As a last resort, consider payday loan providers like GoDay and iCash, which offer online applications and fast loan turnarounds of up to $1,500.

It’s usually best to avoid payday loans when possible because they’re one of the most expensive borrowing options on the market and can easily trap borrowers in a cycle of debt.

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