Wondering if you can get emergency loans with no job in Canada? Most lenders require employment income. But if you need money now, payday, cash advance or installment loan providers offer 1-hour loans with no employment verification in Canada. These no-income loans accept different types of earnings, so you don’t need a job to apply.
Apply online and get funds quickly with these fast personal loans. Keep in mind, however, that personal loans take longer than cash advances and payday loans, and they make take longer than an hour.
| Loan provider | Interest rate | Loan amount | Loan term | Key features | |
|---|---|---|---|---|---|
 Personal Loan | 8.99% - 46.96% | $500 – $2,500 | 9 - 36 months | Instant pre-approval, accepts bad credit, no credit check loan available | |
 Personal Loan | 8.00% - 46.96% | $500 – $50,000 | 4 - 60 months | Instant pre-approval, accepts bad credit, compare loans from multiple lenders | |
 Installment Loan | 29.78% - 44.80% | Up to $1,600 | Up to 36 months | Direct lender, accepts any recurring income |
These cash advance providers offer small loans and don’t require a credit check. You can get funding in up to 3 days or instantly for a fee.
| Loan provider | Interest rate | Loan amount | Loan term | Key features | |
|---|---|---|---|---|---|
Early Pay | 0% interest for cash advances but a $2.99 monthly membership fee applies, fee for express funding (varies based on advance) | $20 – $350 | Next pay cycle (61 days max.) | Approval is based on any regular income and zero NSF fees in your bank account | |
 Credit Line | 0% interest and no fees to access credit, optional $11.99/month membership for premium services like instant funding | $30 – $150 | 30 days, extendable | Instant approval, no credit check, funds in 30 minutes with a monthly subscription | |
Cash advance | No interest, subscription fee starting at $2/month | $20 – $250 | Flexible | No credit check, no application (easy in-app signup), access funds via app or ATM |
Payday loans offer instant approval and fast funding, but interest rates are extremely high. As such, payday loans should be a last resort if you need money now.
| Loan provider | Interest rate | Loan amount | Loan term | Key features | |
|---|---|---|---|---|---|
 Payday Loan | Varies by province | $100 – $1,500 | 7 - 62 days | Instant loans 24/7, accepts bad credit | |
 Payday Loan | Varies by province | $100 – $1,500 | 7 - 62 days | Fast cash loans, flexible requirements, no credit check, online and in-person loans |
| 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 |
Do you have no income and need money now? A payday loan is a small but expensive advance of up to $1,500 that’s possible to get without a job. You typically repay a payday loan the next time you receive income.
The fastest payday lenders in Canada offer 1-hour loans with no employment verification. You’ll just need to make sure your bank account accepts Interac e-Transfer, which is the fastest funding method.
Tips for getting 1-hour payday loans
What to watch out forThe biggest drawbacks of 1-hour loans with no employment verification are the cost and short repayment terms. Payday loans have a steep borrowing fee between $14 to $17 for every $100 borrowed, and you’ll repay it fully by your next payday.
Before applying for 1-hour payday loans using non-employment income, make sure you can afford to repay the loan and cover your other expenses. Otherwise, you may need another loan.
Offered by online lenders, installment loans come with lower rates and larger amounts than payday loans (often between $500 and $10,000), but the rates are typically higher than regular personal loans.
You need to provide proof of income, but non-traditional earnings are often acceptable. Some lenders accept government benefits like CCB, disability or EI.
Personal loans can be much quicker than other types of loans but might take longer than 1 hour to process. Alternatively, car title loans (like those offered by Get Loan Approved) depend on vehicle equity more than your income, which might increase your chance of approval.
What to watch out forRepaying installment loans takes longer than repaying payday loans and cash advances, which means you could pay more interest over time. Plus, the more you borrow, the harder your credit score will be hit. So ensure you can afford repayments, and only borrow what you really need.
Cash advance apps give access to small loans of up to $350. You pay no interest on these cash loans, but you may pay a monthly subscription fee. It’s possible to get an instant cash advance in Canada with any type of income. Although it’s possible to receive funds in as little as 1 hour, there might be an extra fee for fast transfers.
What to watch out forCash advance apps only offer small amounts of funding. If you need to borrow more than a few hundred dollars, you’ll have to look elsewhere. Unlike payday loans and installment loans, you might need to pay subscription fees to use cash advance apps.
If you have steady non-employment income and need money now, there are 1-hour loan options available even if you have bad credit. These include cash advance apps and payday loans.
Some installment loans have flexible eligibility criteria and accept borrowers with bad credit and non-employment income. Connect with suitable lenders using an online loan search platform like Loans Canada and LoanConnect. Fill out a free, no-obligation application and get matched to lenders from among a large network of loan providers.
Before you apply for a loan without proof of income, compare lenders based on the following factors:
Expert tip:
Make sure you read the terms and conditions of any loan agreement that you sign. If you don't understand anything, ask questions. The last thing you want to do is sign anything in a hurry and not know what you're signing up for.
— Sean Cooper, Editorial Review Board
If you’re in between jobs but have a strong record of repaying your loans on time, you can apply for unemployed loans in Canada. Follow these steps to learn how to get a loan without a job:
The Canadian federal government recently approved lowering the criminal interest rate — the maximum allowable APR — from 47% to 35% as of January 1, 2025 to combat predatory lending practices. Bad credit borrowers are particularly vulnerable to entering a cycle of debt by getting high interest loans they cannot repay.
When the maximum rate lowers, borrowers will pay less interest. But it could also encourage lenders to become more strict, making it harder to get a personal loan. Time will tell if the new rate protects borrowers from exploitation or prevents them from getting much needed funds.
Below are other financing options to consider if you want a loan without of proof of income:
It’s possible to get a loan with no income in Canada if you get a credit card cash advance or pawn shop loan. However, it’s not recommended that you get a loan without some form of income to repay it, as this could further strain your financial situation.
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