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.
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.
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
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
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
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
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. Repay your loan by your next payday or extend the deadline.
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.
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
Alternative for no credit check cash advances: KOHO
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.
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)
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:
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.
Chelsey Hurst is an associate editor at Finder. She loves empowering people to avoid financial pitfalls and make better decisions with their money. Chelsey has a Bachelor of Science from Redeemer University, a Master of Science from McMaster University, and has won multiple awards for research communication. In her spare time, Chelsey enjoys cooking and taking long walks in nature.
Borrowing $100 can be a quick and easy process. This guide covers how you can get a small loan in Canada, including benefits, drawbacks and eligibility requirements.
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