Online loans in Canada offer same-day funding and lenient eligibility criteria, so it’s often possible to get a loan with no credit check. The downside is that they can come with high interest rates.

If you need quick and easy access to some extra cash, we’ve put together this list of the best quick online loans in Canada. Compare the lenders below to find a loan that’s right for you.

Summary: Best online loans

• Best instant online loan: KOHO
• Best online no credit check loan: Nyble
• Best online bad credit loan: Loans Canada
• Best 24/7 online payday loan: iCash
• Best online loans with flexible repayments: KOHO
• Best online personal loan: Spring Financial

Best instant online loans

When you need to cover an unexpected expense, quick access to funds can help. The best instant online loans in Canada allow you to apply, get approved and get funded the same day, sometimes in a matter of minutes. Loans are approved 24/7, and your funds are sent out by Interac e-Transfer straight away.

Speed does sometimes come at a cost, as instant online loans in Canada typically have high interest rates and fees. That said, cash advance apps offer a more affordable alternative if you need money fast.

Best pick: KOHO cash advance

8.8 Great

Go to site Read review

KOHO Cover

$20 – $500
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Pros + Cons
• Details

Finder Reward

Finder Members get a $75 digital Visa gift card. Become a Finder Member & open and fund a KOHO account. T&Cs apply.

KOHO Cover is designed to help you cover unexpected bills when you're short on cash. It provides interest-free cash advances of up to $500, and you can apply in a matter of minutes. Once you've signed up, you also get free access to your credit report as well as financial coaching to help you take control of your money.

• Affordable borrowing option
• Bad credit is OK
• Repay at any time
• No NSF fees

• KOHO account required
• $500 may not be enough for your needs
• Monthly KOHO Cover fee starting at $2
• You may also need to pay a monthly KOHO plan fee

Costs	0% + monthly fee from $2
Loan Amount	$20 – $500
Loan Term	Flexible
Credit Check	No
Turnaround Time	Immediately
Requirements	KOHO account—access higher loan amounts over time by using KOHO for everyday spending, repaying your monthly fees and using its other services
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

Alternatives

9.3 Excellent

Go to site Read review

Nyble Credit Line

$30 – $250
Loan amount

Starting at 0%
APR

31 days, extendable
Term

• Info
• Pros + Cons
• Details

Nyble offers an interest-free credit line of up to $250 to help you build credit. You can borrow for free if you wish, but if you want an instant online loan, you'll need to pay an $11.99 monthly membership fee. And because Nyble reports to the credit bureau, making on-time payments could help you improve your credit score.

• Instant funding available
• Apply in minutes
• No interest charges or late fees
• Can help you build your credit history
• 4.8/5 stars based on 9,200+ Trustpilot reviews

• Maximum advance of $250
• Missed payments could hurt your credit score
• It takes up to three business days to get funded with a free account

Costs	0%
Loan Amount	$30 – $250
Loan Term	31 days, extendable
Credit Check	No
Turnaround Time	1-30 minutes with a paid membership or 1-3 business days with a free membership.
Requirements	You must be 18 years or older and have a minimum monthly income of $1,000.
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

Go to site Read review

iCash Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan term

2 minutes
Min. turnaround time

• Info
• Pros + Cons
• Details

Bad credit won't stop you from getting a loan from online payday lender iCash. There are no credit checks needed to apply, and iCash also accepts borrowers with a wide variety of non-employment income types. Best of all, it approves and funds loans via e-Transfer 24/7, so you can enjoy fast access to extra cash in an emergency.

• Instant decisions
• Bad credit is OK
• Get funded in a matter of minutes
• Highly rated mobile app
• 4.7/5 based on 2,900+ Trustpilot reviews

• Very expensive
• Short repayment terms

Loan Amount	$100 – $1,500
Loan Term	7 - 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	AB, BC, MB, NB, NS, ON and PEI
Speed	As little as 2 minutes with Interac e-Transfer
Credit Check	Yes
Requirements	- At least 18 years old (for applicants in Alberta, Manitoba, Ontario and PEI) - At least 19 years old (for applicants in British Columbia, New Brunswick and Nova Scotia) - Canadian resident in a province that iCASH services - Valid cell phone number, address and email address - Net income of at least $800/month deposited into bank account - Receiving the same source of income for the past 3 months - Have a Canadian bank account that's been open for at least 1 month with online banking

Best online loans with no credit check

Less-than-perfect or no credit doesn’t have to keep you from getting a loan. The best online loans with no credit check offer a quick, simple application process, including instant bank verification (IBV) for faster approvals.

Rather than focusing on your credit score, lenders will check that you have enough income to afford your loan repayments. But you will need to watch out for high interest rates and make sure a lender is legit before applying.

Best pick: Nyble

9.3 Excellent

Go to site Read review

Nyble Credit Line

$30 – $250
Loan amount

Starting at 0%
APR

31 days, extendable
Term

• Info
• Pros + Cons
• Details

Nyble is our top pick as the best online loan with no credit check for several reasons. Not only does it offer instant (for a fee) lines of credit, but you can also apply online in minutes without needing to pass a credit check. You get free access to your credit score too, along with the flexibility to extend the repayment period to suit your income and budget.

• Free advances available
• Borrow with no interest
• Apply in minutes
• Use the funds for any purpose

• Late payments could hurt your credit score
• $250 may not be enough for your needs
• $11.99 monthly fee if you want instant funding

Costs	0%
Loan Amount	$30 – $250
Loan Term	31 days, extendable
Credit Check	No
Turnaround Time	1-30 minutes with a paid membership or 1-3 business days with a free membership.
Requirements	You must be 18 years or older and have a minimum monthly income of $1,000.
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

Alternatives

7.9 Great

Read review

Green Loans

$300 – $1,000
Loan amount

22% – 35%
APR

3 - 12 months
Term

• Info
• Pros + Cons
• Details

Green Loans is not a lender but rather an online broker, allowing you to connect with loan offers from its network of lenders. You can apply online in minutes with no need to pass a credit check, so bad credit won't stop you from getting a loan. And if you're approved, your loan will typically be funded within 24 hours.

• No credit checks
• Simple online application
• Accepts a wide range of income types
• Instant approvals and same-day funding

• Not a direct lender
• Unclear broker fees
• Small loan amounts
• High APRs

Loan Amount	$300 – $1,000
APR Range	22% – 35%
Loan Term	3 - 12 months
Serviced Provinces/Territories	all provinces except Manitoba and Alberta
Turnaround Time	within 24 hours
Min. Credit Score	300
Fees	2.66% late fee
Requirements	• Share banking access via our secure IBV system (Instant Banking Verification) • Have a Canadian bank account open for 90+ days with online access • Be a Canadian citizen or permanent resident with a job • Be 18 or older (or provincial age of majority) • Earn at least $1,200 monthly in net income • Provide a valid phone number, email, and home address • You must not be in a bankruptcy or a consumer proposal. • You must not be planning to declare bankruptcy or a consumer proposal.

Go to site Read review

Wagepay Wage Advance Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan term

2 minutes
Min. turnaround time

• Info
• Pros + Cons
• Details

Payday lender Wagepay offers fast online loans in BC and Ontario. It's simple to apply for a loan online or via a user-friendly mobile app, and bad or limited credit is no barrier to you getting funded. Wagepay funds loans 24/7 too, so you can get the money you need in an emergency.

• Apply in five minutes with no credit check
• Fast access to funds
• Get funded 24/7
• No late fees

• Very high cost of borrowing
• Short repayment period
• Only in BC and Ontario

Loan Amount	$100 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	BC, AB and ON
Speed	As little as 2 minutes with Interac e-Transfer
Credit Check	No
Requirements	- Be at least 18 years old in Ontario or Alberta or 19 in BC - You must live and work in Canada - You must be employed and receive a regular, consistent income from your employer of at least $400/week ($1,600/month) - You must leave enough of your income each pay cycle in your account to be able to repay an advance - You must have a generally good banking history

Best bad credit online loans

Searching for online loans in Canada for bad credit? There are many lenders who can help you find the funding you need, with same-day funding available and no credit checks needed.

The downside of these online loans is high interest rates and fees, so check the fine print before you apply. Don’t forget to make sure you’re dealing with a legitimate lender too, as the bad credit personal loan sector does attract its fair share of scammers.

Best pick: Loans Canada

8.6 Great

Go to site Read review

$500 – $50,000
Loan amount

9.99% – 35%
APR

3 - 60 months
Term

• Our Take
• Pros + Cons
• Details

Loans Canada isn't a lender but a loan search platform where you can compare multiple offers from a network of lending partners. Just fill out a single application in order to see offers from lenders affiliated with Loans Canada, then choose the one that best fits your needs. Loans Canada also provides access to a wide variety of online loans, from personal and car loans to home equity and business loans.

Why choose it

• Network of over 60+ lenders. Loans Canada has a large network of lenders, many of which specialize in bad credit loans.
• Compare multiple offers. Bad credit loans tend to come with higher interest rates, but Loans Canada makes it easy to compare offers and find the best deal.
• Simple application process. It only takes a few minutes to apply online with Loans Canada and then see your lending offers.

• Fill out a single application to get multiple loan offers
• Bad credit is OK
• Access a large network of lenders
• Wide range of loan types available
• Large loan amounts available

• Not a lender
• Watch out for high rates if you have bad credit
• You're limited to Loans Canada's network of lenders

Loan Amount	$500 – $50,000
APR Range	9.99% – 35%
Loan Term	3 - 60 months
Serviced Provinces/Territories	All of Canada
Turnaround Time	Receive funds in as little as 24 hours.
Min. Credit Score	300
Fees	No application, origination or brokerage fees
Requirements	Canadian resident, age of majority in your province of residence

Alternative

8.8 Great

Go to site Read review

LoanConnect Personal Loan

$500 – $60,000
Loan amount

8.99% – 35%
APR

3 - 120 months
Term

• Info
• Pros + Cons
• Details

Like Loans Canada, loan search platform LoanConnect allows you to compare bad credit loan offers in one place. Five-minute pre-approval is available, with the money you borrow available within 24 to 48 hours of applying.

• Apply without it affecting your credit
• See offers in a few minutes
• All types of credit accepted
• Large loan amounts available

• Not a direct lender
• High interest rates for bad credit
• You're limited to LoanConnect's network of lenders

Loan Amount	$500 – $60,000
APR Range	8.99% – 35%
Loan Term	3 - 120 months
Serviced Provinces/Territories	All provinces
Turnaround Time	Receive funds in as little as 24 hours.
Min. Credit Score	300
Fees	No application, origination or brokerage fees
Requirements	Canadian citizen or permanent resident, age of majority in your province of residence, current debts must total less than 60% of your income

8.8 Great

Go to site Read review

Bree Early Pay

$20 – $750
Loan amount

Starting at 0%
APR

Next pay cycle (90 days max)
Term

• Info
• Pros + Cons
• Details

When unexpected expenses arise, Bree offers cash advances of up to $750 to help you avoid bank account overdraft fees. You don't need to pass a credit check to qualify, and your funds are made available instantly if you're willing to pay a monthly fee. And the best part is that there are no interest charges on the money you borrow, making this an affordable choice if you have bad credit.

• Bad credit won't stop you from getting funded
• Apply in minutes
• No interest charges or late fees
• You can get funded without paying any mandatory fees
• 4.8/5 based on 8,500+ Trustpilot reviews

Costs	0%
Loan Amount	$20 – $750
Loan Term	Next pay cycle (90 days max)
Credit Check	No
Turnaround Time	Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and within 1 to 3 business days for standard delivery.
Requirements	You must have a bank account with regular income deposits and a Visa or Mastercard debit card with a CVV
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.9
Google Play Rating	4.8

Best 24/7 online payday loans

Life doesn’t just happen during business hours. So when you want a fast online payday loan, you need a lender that approves and funds loans 24/7.

The best 24/7 online payday loan companies have automated approval systems in place, allowing them to assess and approve loan applications day or night. If you’re approved, you can get the funds within minutes via e-Transfer.

Just remember that payday loans are very expensive to repay, so you should always consider other loan options first.

Best pick: iCash

Go to site Read review

$100 – $1,500
Loan amount

$14 per $100 borrowed
APR

7 - 62 days
Term

• Our Take
• Pros + Cons
• Details

iCash uses an automated approval system to process loan applications, and you can apply online or via a user-friendly mobile app. This popular lender offers instant approval, with funds distributed via e-Transfer. That's why iCash offers some of the best instant online loans in Canada.

Why choose it

• 24/7 funding. iCash approves and funds payday loans 24 hours a day, 7 days a week.
• Fast access to funds. You can apply, get approved and get funded in a matter of minutes.
• Positive customer reviews. iCash has an average rating of 4.7/5 based on 2,900+ Trustpilot reviews

• Established and licensed lender
• Bad credit is OK
• Highly rated mobile app
• Earn cashback on the cost of borrowing

• Very high cost of borrowing
• Short repayment period

Loan Amount	$100 – $1,500
Loan Term	7 - 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	AB, BC, MB, NB, NS, ON and PEI
Speed	As little as 2 minutes with Interac e-Transfer
Credit Check	Yes
Requirements	- At least 18 years old (for applicants in Alberta, Manitoba, Ontario and PEI) - At least 19 years old (for applicants in British Columbia, New Brunswick and Nova Scotia) - Canadian resident in a province that iCASH services - Valid cell phone number, address and email address - Net income of at least $800/month deposited into bank account - Receiving the same source of income for the past 3 months - Have a Canadian bank account that's been open for at least 1 month with online banking

Alternatives

Read review

$300 – $1,500
Loan amount

$14 per $100 borrowed
APR

Up to 62 days
Term

• Our Take
• Pros + Cons
• Details

When you need money fast, PAY2DAY offers instant online loans in Canada 24/7. It's quick and easy to apply online with no credit checks, and it takes just one to three hours to get approved and funded. To top it off, PAY2DAY provides 24/7 customer service, so help is always available if you need it.

• 24/7 approvals, funding and customer support
• Fast access to funds
• No credit checks
• 4.9/5 stars based on 8,300+ Trustpilot reviews

• Very expensive to repay
• Difficult to budget for a short repayment period
• Only in AB, BC, ON and NS

Loan Amount	$300 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	ON, BC, NS, AB
Speed	Within 1-2 hours via e-Transfer once approved
Credit Check	No
Requirements	Active bank account with access to online banking, recurring income

Read review

$100 – $1,500
Loan amount

$14 per $100 borrowed
APR

Up to 62 days
Term

• Our Take
• Pros + Cons
• Details

Credit Club is a licensed payday lender that approves and funds loans 24/7. There's an automated approval system in place so you can get funded on weekends and holidays, and you don't need to pass a credit check to qualify. If you're approved, you'll get your funds within minutes via e-Transfer.

• Get funded 24/7
• Approval in as little as 30 minutes
• Established lender
• 4.7/5 stars based on 3,500+ Trustpilot reviews

• New customers can only borrow $100
• Extremely expensive
• Short repayment period
• Only in ON, BC and NS

Loan Amount	$100 – $1,500
Loan Term	Up to 62 days
Cost	$14 per $100 borrowed
Serviced Provinces	ON, BC and NS
Speed	30 minutes
Credit Check	No
Requirements	Canadian resident over 18, have a bank account in your name, a steady income source, a valid email address, and a working phone number

Best online loans with flexible repayments

The best online loans with flexible repayments can be tailored to suit your income and budget. However, they come in different forms.

With a cash advance app, for example, you often don’t have a fixed repayment schedule, so you can repay your loan any time without penalty. With a line of credit, you only pay interest on the money you actually use, not the full credit balance. You can also choose a repayment frequency that suits your needs.

Just be aware that repayment terms vary between lenders, so check the fine print before applying.

Best pick: KOHO

8.8 Great

Go to site Read review

KOHO Cover

$20 – $500
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Pros + Cons
• Details

Finder Reward

Finder Members get a $75 digital Visa gift card. Become a Finder Member & open and fund a KOHO account. T&Cs apply.

Fintech KOHO wins again, thanks to the flexibility of its Cover product. Borrow up to $500 with no credit check or income required, and repay the amount whenever it's best for you.

• Borrow with zero interest
• No credit checks
• Instant access to funds
• Flexible repayments

• Maximum loan amount of $500
• Monthly KOHO Cover subscription fee
• Monthly KOHO plan fee (waivable)

Costs	0% + monthly fee from $2
Loan Amount	$20 – $500
Loan Term	Flexible
Credit Check	No
Turnaround Time	Immediately
Requirements	KOHO account—access higher loan amounts over time by using KOHO for everyday spending, repaying your monthly fees and using its other services
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

Alternatives

9.3 Excellent

Go to site Read review

Nyble Credit Line

$30 – $250
Loan amount

Starting at 0%
APR

31 days, extendable
Term

• Info
• Pros + Cons
• Details

With a Nyble interest-free line of credit, you have the flexibility to roll over your loan repayment to the next month or the month after if you're short of cash. You can borrow up to $250 with no credit checks, and there are no interest charges or late fees to worry about. Nyble reports your payments to the credit bureau too, so making on-time payments is a simple way to build your credit history.

• Could help you improve your credit score
• No interest charges
• Get funded instantly
• 4.8/5 stars based on 9,200+ Trustpilot reviews

• You can only borrow up to $250
• Late payments could hurt your credit score
• Monthly subscription fee if you want instant funding

Costs	0%
Loan Amount	$30 – $250
Loan Term	31 days, extendable
Credit Check	No
Turnaround Time	1-30 minutes with a paid membership or 1-3 business days with a free membership.
Requirements	You must be 18 years or older and have a minimum monthly income of $1,000.
Serviced Provinces	All provinces and territories
Apple App Store Rating	4.8
Google Play Rating	4.8

7.9 Great

Go to site Read review

Fora Line of Credit

$1,000 – $15,000
Loan amount

19.9% – 34.9%
APR

Open
Term

• Info
• Pros + Cons
• Details

Fora's line of credit offers a flexible online borrowing option for people who might struggle to qualify for funding from a traditional lender. You can access up to $15,000 as needed, but you'll only pay interest on the money you use, not on the full credit limit. And with the ability to get funded the same business day, the Fora line of credit is worth checking out if you're searching for an alternative way to borrow money.

• Apply online in minutes
• Same-day funding
• Only pay interest on the money you use

• High interest rates
• Not available in all provinces
• New provider

Loan Amount	$1,000 – $15,000
APR Range	19.9% – 34.9%
Loan Term	Open
Serviced Provinces/Territories	AB, BC, NB, NS, ON and SK
Min. Credit Score	550
Fees	Dishonoured payment fee may apply
Requirements	Steady source of income

Best online personal loans

The best online personal loans in Canada have less strict eligibility requirements than loans from traditional lenders. It’s quick and easy to apply online, but online personal loans have slower funding than payday loans and cash advances, typically providing funds within 24 to 48 hours.

Personal loans have loan terms ranging from 6 to 60 months. Interest rates can be steep for bad credit, so it’s worth comparing options from a range of lenders.

Best pick: Spring Financial

8.5 Great

Go to site Read review

$500 – $35,000
Loan amount

9.99% – 35%
APR

6 - 84 months
Term

• Our Take
• Pros + Cons
• Details

Spring Financial offers online personal loans of up to $35,000. You can apply online in minutes, get approved and funded the same day, and you then repay what you borrow over a term ranging from 6 months to 84 months. Best of all, you don't necessarily need to have excellent credit to get approved.

Why choose it

• Quick funding. Spring Financial offers e-Transfer as a funding option, which is faster than direct deposit.
• Borrow up to $35,000. You can borrow up to $35,000 for any legit purpose.
• You don't need perfect credit. You can still apply for funding from Spring Financial even if you have fair or bad credit.

• Fast access to funds
• Completely online application process
• All credit scores are welcome to apply
• 4.6/5 stars based on 19,700+ Trustpilot reviews

• High rates for bad credit
• You may get approved for a credit builder loan instead
• References required

Loan Amount	$500 – $35,000
APR Range	9.99% – 35%
Loan Term	6 - 84 months
Serviced Provinces/Territories	All of Canada
Turnaround Time	Within 24 hours
Min. Credit Score	550
Fees	No fees except a $30 NSF fee
Requirements	Min. income of $2,000, min. credit score of 550, 3+ months employed

Alternatives

8.8 Great

Go to site Read review

LoanConnect Personal Loan

$500 – $60,000
Loan amount

8.99% – 35%
APR

3 - 120 months
Term

• Info
• Pros + Cons
• Details

LoanConnect is a loan search platform that provides quick and easy access to a network of lending partners. Once you fill out a single online application, you'll be able to review personal loan offers from partner lenders. These lenders work with borrowers with all types of credit, with secured and unsecured loans available too. Once approved, you can get your money in as little as 12 hours.

• Easy to compare multiple offers
• Get pre-approved in minutes
• Loans for good and bad credit are available
• Wide range of loan types to choose from

• Not a direct lender
• High rates for bad credit
• You're limited to LoanConnect's network of lenders

Loan Amount	$500 – $60,000
APR Range	8.99% – 35%
Loan Term	3 - 120 months
Serviced Provinces/Territories	All provinces
Turnaround Time	Receive funds in as little as 24 hours.
Min. Credit Score	300
Fees	No application, origination or brokerage fees
Requirements	Canadian citizen or permanent resident, age of majority in your province of residence, current debts must total less than 60% of your income

7.7 Great

Read review

Innovation Credit Union Personal Loan

$5,000 – $50,000
Loan amount

5.95% – 19.45%
APR

12 - 120 months
Term

• Info
• Pros + Cons
• Details

Innovation Federal Credit Union is well worth a look if you're searching for a competitive online personal loan. It offers personal loans of up to $50,000 across Canada (except Quebec), with repayment terms ranging from 1 to 10 years. You also get the freedom to choose a weekly, bi-weekly or monthly repayment plan, and you can pay your loan off early without incurring any extra fees.

• Apply online in minutes
• Get approved within one business day
• Flexible repayment options
• Repay early without penalty

• Not available in Quebec
• Application fees may apply
• Not suitable if you have bad credit
• High $5,000 minimum loan amount

Loan Amount	$5,000 – $50,000
APR Range	5.95% – 19.45%
Loan Term	12 - 120 months
Serviced Provinces/Territories	All provinces (excluding Quebec)
Turnaround Time	Approval in one business day
Fees	$5 membership fee
Requirements	18 years of age and a Canadian resident

How we chose the best online loans

We’ve chosen the best online loans on this page based on the providers available through Finder and online in the Canadian loans marketplace. These cash loans are not representative of the entire market.
When choosing our picks for the best online loans in Canada, we considered each lender’s rates, fees, terms, borrowing amounts, application process, funding speed, eligibility requirements, customer support and feedback, associations, accreditations and perks for borrowers. No single online loan will be the best choice for everyone, so compare your options before applying.

What do I need to apply for online loans in Canada?

While eligibility criteria will vary depending on the online lender, the basic application requirements include the following:

• Have a bank account
• Meet any credit score requirements
• Meet any income requirements and have proof of income

Cash advance apps are gaining ground

Despite being a lot newer to the Canadian market, cash advance apps have carved out a significant user base. According to the Finder: Consumer Sentiment Survey March 2026, 10% of Canadians reported using a cash advance app in the past year, surpassing the 8% who reported using payday loans and the 8% who used personal loans. While fintech apps are rising in popularity, traditional revolving credit remains the most common choice, with 30% of Canadians carrying a credit card balance and 18% drawing from a line of credit.

Bottom line

The best online loans in Canada offer a simple application process, loans for less-than-perfect credit, and access to your money the same day (or quicker). From cash advance apps to personal loans and payday loans, there are several options available when you need to borrow money. Compare the best online loans in Canada featured in this guide before deciding where to apply.

Frequently asked questions

• Do I need to be employed to get an online loan?

  It depends on the lender you decide to use. Some lenders prefer that you've been employed for at least three months, while others allow other forms of income, including government benefits, pension and social assistance. Check the lender's requirements before proceeding.

• Can I get an online loan with no credit check?

  Yes, you can. Some lenders offer online loans with no credit check. However, these loans are costly and you'll be approved for small amounts only. Be sure to apply to a legitimate lender.

• Where can I get online loans in Ontario?

  There are several online lenders that provide loans to residents of Ontario. You can choose from personal loans, short-term installment loans and cash advance apps, while payday loans are also an option but should only ever be considered as a last resort.

To make sure you get accurate and helpful information, this guide has been edited by Leanne Escobal as part of our fact-checking process.

Written by

Tim Falk

Writer

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Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

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