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Get 1 hour loans with no employment verification in Canada

Here's how to get fast approval on a loan when you're currently unemployed.


Bree Early Pay

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  • Access up to $250
  • No interest or required fees
  • No credit check required
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Wondering if you can get emergency loans with no job in Canada? Most lenders require employment income. But if you need money now, payday 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.

Compare personal loans you can get in 1 hour with no employment verification

Apply online and get funds quickly with these fast personal loans. For auto title loans from, your vehicle must be appraised in person. But you can apply online, and the company claims it’s possible to get money the same day.

Emergency loanInterest rateLoan amountLoan termKey features

Personal Loan

32.00%$500 – $2,5009 - 36 monthsInstant pre-approval, accepts bad credit, no credit check loan available
Loans Canada

Personal Loan

8.00% - 46.96%$500 – $50,0004 - 60 monthsInstant pre-approval, accepts bad credit
Get Loan Approved

Car Title Loan

9.95% - 29.00%$1,000 – $50,00012 - 72 monthsNo job or income requirements but you must use your paid off car (10 years old or newer) as collateral

Compare cash advance loans you can get in 1 hour with no employment verification

These cash advance providers offer small instant loans and don’t require a credit check. You pay no interest on these cash loans, but you may pay either an optional or required monthly fee depending on the provider.

Emergency loanInterest rateLoan amountLoan termKey features


Early Pay

No interest or fees to access cash advance, fee for express funding (varies based on advance)$20 – $250Next pay cycle (61 days max.)Approval is based on any regular income and zero NSF fees in your bank account

Credit Line

No interest or fees to access credit line, optional $11.99/month membership to get premium services such as instant funding$30 – $15030 days, extendableInstant approval, no credit check, funds in 30 minutes with a monthly subscription

Compare payday loans you can get in 1 hour with no employment verification

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.

⚠️ 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.
Emergency loanInterest rateLoan amountLoan termKey features
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Payday Loan

Varies by province$100 – $1,5007 - 62 daysInstant loans 24/7, accepts bad credit
Money Direct

Payday Loan

Varies by province$100 – $1,5007 - 62 daysFast cash loans, flexible requirements, no credit check
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 to get 1-hour loans with no employment verification in Canada

  • Show other sources of income like the Canada Child Benefit (CCB), employment insurance (EI), disability benefits, investment dividends, social assistance or a pension.
  • If you own a car or home, use it as collateral (this will take longer than an hour).

Types of loans for the unemployed in Canada

1-hour payday loans

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.

blue stopwatch icon Tips for getting 1-hour payday loans
  • Submit your application during business hours, or apply to lenders that do e-transfer payday loans 24/7.
  • Check for errors on your application.
  • Login to online banking to verify the financial information on your application. This is usually required for instant loans with fast approval.
Yellow warning symbol with black exclamation point. What to watch out for

The 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.

1-hour installment (personal) loans

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.

blue stopwatch icon Tips to speed up the process and get your loan as fast as possible
  • Submit your application in the morning on a business day.
  • Check for errors on your application.
  • Login to online banking to verify the financial information on your application. This is usually required for fast personal loans with quick approval.
  • Gather your bank information in advance, including a void cheque or direct deposit form showing your transit (branch) number, institution number and account number.

1-hour cash advance apps

Cash advance apps give access to small loans of up to $250 with 0% interest. But you might pay a monthly subscription fee. It’s possible to get an instant cash advance in Canada with any type of income. Receive funds in as little as 1 hour, although there might an extra fee for fast transfers.

Yellow warning symbol with black exclamation point. What to watch out for

Cash advance apps are still fairly new in Canada, so there aren’t many options to compare. 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.

Can I get 1-hour loans with no employment verification with bad credit?

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 broker 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.

Compare installment loans

How to compare unemployment loans in Canada with no job verification

Before you apply for a loan without proof of income, compare lenders based on the following factors:

  • Interest rates. Low interest rates can save you thousands of dollars in interest over the course of your loan.
  • Fees. Keep an eye out for NSF fees, late payment fees, origination fees and prepayment penalties. Steer clear of lenders that require a fee before providing a loan.
  • Term. Choose a repayment period that suits your budget. It should be long enough to make monthly payments affordable but short enough to avoid paying exorbitant interest.
  • Repayment conditions. Find a lender that will work with you to set the best terms for your loan, including renegotiating payments if you’re struggling financially.
  • Customer service. Check customer ratings or comparison sites like this one to see which lenders are reputable and trustworthy.

How to get a loan without a job

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:

  1. Check your credit score. If you want to figure out if you qualify, you’ll need to check your credit score. The higher your credit score, the higher your chances of getting approved.
  2. Compare lenders. Next, compare lenders that offer no-income loans in Canada to find the best interest rates and terms for you. Compare installment loans and payday loans.
  3. Fill out your application. When you find the right combo, apply with your personal details.
  4. Verify your identity. You’ll be required to prove your identity by submitting government-issued ID. You may also need to submit your bank statements.

Will loans become more affordable in 2024?

Interest rate decrease. Downward trend arrow.The Canadian federal government recently proposed lowering the criminal interest rate from 47% APR to 35% APR in 2024 to combat predatory lending practices. This would limit the maximum allowable APR for loans to 35%. Bad credit borrowers are particularly vulnerable to entering a cycle of debt by getting high interest loans they cannot repay.

If the maximum rate lowers, borrowers could 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.

Other loans with no employment verification

Below are other financing options to consider if you want a loan without of proof of income:

  • Credit card cash advance. To get funds in less than 1 hour, visit an ATM to withdraw cash from your credit card. Be aware that credit card cash advances are costly. You could pay over 20% interest of the amount you borrow plus a fee. Interest accrues the moment you withdraw.
  • Car title loans. Use your car as collateral to get a loan with no employment verification. Your car must be paid off, and if you don’t repay the loan, the lender can keep your vehicle. This loan will take more than 1 hour.
  • Pawn shop loans. Use an asset as collateral to borrow 20-60% of its value. If you don’t repay the loan, the lender keeps your asset. You can get this loan in less than 1 hour.

Can I get no-income loans in Canada?

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 recommend that you get a loan without some form of income to repay it, as this could further strain your financial situation.

FAQs about 1-hour loans with no employment verification in Canada

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