Compare loans like Check Into Cash

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.

7 loans like Check Into Cash

• Alternative for fast pay advance: Nyble
• Alternative for fee-free pay advance: Bree
• Alternative for emergency loans: GoDay
• Alternative for fast payday loans: iCASH
• Alternative for in-store payday lender: Cash Money
• Alternative for overdraft protection: KOHO
• Alternative for installment loans: LoansLoans.ca

Alternative for fast pay advance: Nyble

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Nyble Credit Line

$30 – $150
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Features
• Details

Fill out an application on the Nyble app to borrow between $30 and $150 interest-free. Get your funds within 3 business days or pay a small fee to get it within 30 minutes.

• Your limit can increase up to $500 for repeat borrowers
• No credit check required
• More affordable than payday loans

• Membership fee of $4.99 - $7.99 per month to keep the app active
• Small loan amounts only
• Fee charged for fast money transfers

Loan amount	$30 – $150
APR	Starting at 0%
Term	Flexible
Interest Rate Type	Fixed
Fees	$4.99 - $7.99/month membership fee
Origination Fee	$2.99 - $5.99
Turnaround Time	Within 30 minutes if you pay a fee of $2.99 - $5.99 or within 3 business days if you don't want to pay a fee.

Alternative for fee-free pay advance: Bree

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Bree Early Pay

$20 – $200
Loan amount

Starting at 0%
APR

Next pay cycle
Term

• Info
• Features
• Details

Bree lets you borrow a small amount of up to $200 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 – $200
APR	Starting at 0%
Term	Next pay cycle
Interest Rate Type	Fixed
Fees	No interest or mandatory fees
Turnaround Time	Less than eight hours if you pay a $1.99–$6.99 fee or up to three business days.

Alternative for emergency loans: GoDay

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GoDay Payday Loan

$100 – $1,500
Loan amount

1 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Features
• Details

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 fast payday loans: iCASH

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iCASH Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Features
• Details

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
• Get money within an hour
• Get funded 24/7

• Payday loans are expensive
• Short repayment terms
• Only available in AB, BC, MB, NB, NS, ON, PEI

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

Alternative for in-store payday lender: Cash Money

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Cash Money Payday Loan

$100 – $1,500
Loan amount

5 – 40 days
Loan Term

15 minutes
Min. Turnaround Time

• Info
• Features
• Details

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

Alternative for overdraft protection: Koho

Go to site

$0 – $250
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Pros + Cons
• Details

Get overdraft protection of up to $50 with zero interest, which can increase to up to $250 as you continue to pay a $5/month subscription fee. You'll need a KOHO account to access this service.

• No late fees
• 0% interest
• No impact on credit score
• Free financial coaching service

• KOHO savings account required

Loan amount	$0 – $250
APR	Starting at 0%
Term	Flexible
Interest Rate Type	Fixed
Fees	$5/month subscription fee
Turnaround Time	Immediately
Serviced Provinces	All provinces and territories

Alternative for installment loans: LoansLoans.ca

Go to site

$500 – $1,000
Loan amount

28% – 32%
APR

3 months
Term

• Info
• Pros + Cons
• Details

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
Interest Rate Type	Fixed
Min. Credit Score	300
Fees	Late payment fee (2.66% per month), $45 NSF fee, broker fee up to $300
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:

See how other top payday loan providers compare in our full guide to the best payday loans in Canada here. Or, you can explore cheaper, smaller loan options by visiting our guide to pay advances.

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.