Nyble Credit Line
- Access up to $150 to build credit
- No credit history required
- No interest or required fees
Check ‘n Go is an established, US-based lender that offers payday and installment loans. US residents can apply online or in person and if approved, could have the funds the same day.
But like other payday loan lenders, its APRs can exceed 500%. Our list of sites like Check ‘n Go offers Canadian alternatives with features like Interac e-Transfer, fast loan turnarounds, potentially lower fees and automated, online applications.
No, Check ‘n Go is not available in Canada. In order to apply for a Check ‘n Go loan, customers need to provide a valid US Government-issued photo ID and possibly a Social Security number, which means Canadians won’t be able to apply.
Loan amount | $300 – $50,000 |
---|---|
APR | 6.99% – 46.96% |
Term | 3 - 60 months |
Min. credit score | 300 |
Fees | No application, origination or brokerage fees |
Origination fee | 0 |
Turnaround time | Receive funds within as little as 24 hours. |
Serviced provinces | All of Canada |
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) |
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. |
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 |
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 |
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 |
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 |
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 |
Check ‘n Go charges high APRs which can reach 500% or more, making this and other lenders that offer payday loans best used only for infrequent emergency situations. Here are Check ‘n Go’s main pros and cons.
You can see how other top payday loan providers compare to Check ‘n Go in our full guide to the best payday loans in Canada here. Or, you can explore cheaper, smaller loan options by checking out our guide to pay advances.
Because Check ‘n Go isn’t available in Canada, it’s important to decide which Canadian alternative lender is the right fit for your needs. Firstly, you’ll need to decide what type of loan to apply for based on how much money you need.
If you only need a small loan to tie you over until the next payday, a 0% interest pay advance from an app like Nyble might be your cheapest option. If you need to borrow a larger amount and you have bad credit, consider an installment loan from a lender like LoansLoans.ca.
Because they’re one of the most expensive loan options on the market, and can easily trap borrowers in a cycle of debt, it’s usually best to only use payday loans as a last resort. If you do opt for a payday loan, consider reputable lenders like GoDay and iCash, which offer online applications for up to $1,500 with funding turnaround within minutes of applying.
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