{"id":730725,"date":"2018-02-18T15:53:54","date_gmt":"2018-02-18T20:53:54","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?page_id=730725"},"modified":"2026-07-08T09:35:50","modified_gmt":"2026-07-08T13:35:50","slug":"payday-loans","status":"publish","type":"page","link":"https:\/\/www.finder.com\/ca\/payday-loans","title":{"rendered":"Compare 20+ Payday Loans"},"content":{"rendered":"<h3>Alternative to payday loans<\/h3><p>Cash advance apps may be cheaper than payday loans, especially if you opt for slow delivery, which takes one to three business days. They accept many types of income and don\u2019t perform credit checks.<\/p><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\nconst fsniche = \"cafpl-caa\";\nconst getEventToListenTo = () => {\n  if (window.matchMedia('(any-hover:none)').matches) {\n    if (window.matchMedia('(max-width: 450px)').matches) {\n      return \"scroll\";\n    }\n  }\n  return \"DOMContentLoaded\";\n};\nconst eventToWatch = getEventToListenTo();\n\nconst waitForLoadOnTheFly = (callback, maxAttempts = 50) => {\n  let attempts = 0;\n  \n  const checkAndExecute = () => {\n    attempts++;\n    \n    if (window.loadOnTheFly && window.loadOnTheFly.html) {\n      callback();\n    } else if (attempts < maxAttempts) {\n      \/\/ Retry after 100ms, up to maxAttempts times\n      setTimeout(checkAndExecute, 100);\n    } else {\n      console.error('loadOnTheFly.html not available after maximum attempts');\n    }\n  };\n  \n  checkAndExecute();\n};\n\nconst loadFinderScoreModal = () => {\n  setTimeout(function(){\n    var partialId = \"\" || 'finder-score-' + fsniche + '-modal-optimized';\n\n    waitForLoadOnTheFly(() => {\n      window.loadOnTheFly.html(\n        'partial', {\n          id: partialId,\n        },\n        function (response) {\n          document.getElementsByTagName(\"body\")[0].appendChild(response);\n          var modal = document.getElementById('finderScoreModal-' + fsniche);\n          var closeButton = modal.querySelector(\"#closeButton\");\n          closeButton.onclick = function (event) {\n            modal.classList.add(\"elementHidden\");\n          };\n          var btnReadMethodology = modal.querySelector(\"#btnReadMethodology\");\n          btnReadMethodology.addEventListener(\"click\", function(e) {\n            modal.classList.add(\"elementHidden\");\n          });\n          window.onclick = function (event) {\n            if (event.target == modal) {\n              modal.classList.add(\"elementHidden\");\n            }\n          };\n        }\n      );\n    });\n  }, 1000);\n  \n  window.removeEventListener(eventToWatch, loadFinderScoreModal);\n};\n\nwindow.addEventListener(eventToWatch, loadFinderScoreModal);\n\nconst showFinderScoreModal = (niche) => {\n  var existCondition = setInterval(function() {\n    const modalLoaded = document.getElementById('finderScoreModal-' + niche);\n    if (modalLoaded) {\n      clearInterval(existCondition);\n      modalLoaded.classList.remove('elementHidden');\n    }\n  }, 500); \/\/ check every 0.5s\n}\n<\/script><script type=\"text\/javascript\">\nwindow.rewardsConfigs = window.rewardsConfigs || {};\n    window.rewardsConfigs[\"koho|cover|july-2026~cafsl\"] = {\"startDate\":\"2026-07-01T08:00:00.000Z\",\"endDate\":\"2026-08-31T21:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $75 from Finder\",\"titleHighlight\":\"$75\",\"copyText\":\"Become a Finder Member & open and fund a <b>KOHO account<\\\/b> through Finder to receive a <b>$75 digital Visa card<\\\/b>. Offer ends August 31, 2026.\",\"termsText\":\"Separate T&Cs apply.\",\"ctaText\":\"GET DEAL\",\"nicheText\":\"Cash Advance Apps\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-promotion-july-august-2026\",\"validationDate\":\"2026-09-30T17:00:00.000Z\",\"fulfillmentDate\":\"2026-10-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-jul-aug-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\",\"partnerRewardValue\":null},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $75 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new KOHO account\",\"items\":[{\"icon\":\"user\",\"text\":\"Become a Finder Member for free in seconds\"},{\"icon\":\"shopping-bag\",\"text\":\"Open and fund a KOHO account within the promotion period\"},{\"icon\":\"confetti\",\"text\":\"Receive your $75 digital Visa card from Finder on or before October 15, 2026\"}],\"heading\":\"Get $75 from Finder\",\"membersHeading\":\"Get $75 from Finder\",\"text\":\"<b>How it works<\\\/b>\\n* Become a Finder Member for free instantly\\n* Open and fund a <b>KOHO account<\\\/b> within the promotion period\\n* Receive your $75 digital Visa card from Finder on or before October 15, 2026\",\"membersText\":\"<b>How it works<\\\/b>\\n* Open and fund a <b>KOHO account<\\\/b> within the promotion period\\n* Receive your $75 digital Visa card from Finder on or before October 15, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new Koho account\",\"badgeText\":\"<reward_value> REWARD\",\"tieredValuePrefix\":\"Up to \",\"firstNameLabel\":\"First name\",\"lastNameLabel\":\"Last name\",\"emailLabel\":\"Email address\",\"emailPlaceholder\":\"email@example.com\",\"firstNameErrorText\":\"Invalid first name\",\"lastNameErrorText\":\"Invalid last name\",\"emailErrorText\":\"Invalid email address\",\"paymentTimelineText\":\"Payment within <fulfillment_days> days from validation.\",\"legalText\":\"By submitting your details you agree to our <terms_of_service_link> and <privacy_policy_link>.\",\"softAccountLegalText\":\"By entering your email address, you agree to create a Finder account subject to our <terms_of_service_link> and <privacy_policy_link>.\",\"termsOfServiceLinkText\":\"terms of service\",\"privacyPolicyLinkText\":\"privacy policy\",\"continueText\":\"GET $75 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO KOHO\",\"copyText\":\"Ends on August 31, 2026\",\"termsText\":\"T&Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-promotion-july-august-2026\",\"validationDate\":\"2026-09-30T17:00:00.000Z\",\"fulfillmentDate\":\"2026-10-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-jul-aug-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\",\"partnerRewardValue\":null}};\n<\/script><div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"f003549f-877f-4d0e-941b-74f003c52d5f\" data-template=\"comparison\" data-niche=\"CAFPL-CAA\" data-site=\"CAFPL-CAA\" data-auto-recalculate=\"true\" data-post-country=\"ca\" data-fieldset=\"cafpl-pay-advance\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"730725\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"CAFPL-CAA\",\"fieldset\":\"cafpl-pay-advance\",\"template\":\"comparison\",\"category_id\":\"f003549f-877f-4d0e-941b-74f003c52d5f\",\"category_name\":\"All Cash Advance\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1786091945}' data-disable-alternative-products=\"true\" data-post-redirect-alternative-products-enabled=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col \"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-f003549f-877f-4d0e-941b-74f003c52d5f\">3 of 3 results<\/span><\/small><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"CAFPL-CAA\" data-site=\"CAFPL-CAA\" data-table-id=\"3415\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"CAFPL-CAA\",\"fieldset\":\"cafpl-pay-advance\",\"template\":\"comparison\",\"category_id\":\"f003549f-877f-4d0e-941b-74f003c52d5f\",\"category_name\":\"All Cash Advance\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1786091945}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"cafpl-caa\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"3\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"3\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"3da75e6a3da91a0612cef572af8bd83786ceba6d1b90ff2e7ab8ab53b453f32b\" data-table-record-type=\"product\" data-table-record-ids='[\"f256ae15-efed-4744-b404-5007adc7d719\",\"09a8b8bb-ef71-4a58-a987-6c0b694b0e55\",\"67d91ad3-fadc-4803-bce1-ea50a0b9761f\"]' data-total-data=\"3\" data-enable-top-filters=\"false\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"3\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-rewards-campaign-names=\"koho|cover|july-2026~cafsl\" data-rewards-component=\"template-products\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-4\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"CAFPL-CAA.PRODUCT.DATAPOINT_CAFPL_CAA_FINDER_SCORE\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\"><span class=\"comparison-table__nameTooltip\" rel=\"popover\" data-tooltip-type=\"Finder Score\" data-content=\"The Finder Score is designed to make it easier to compare loans.\">\n                    Finder Score\n                    <svg class=\"luna-icon\"><use xlink:href=\"#info\"><\/use><\/svg><\/span><svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CAFPL-CAA.PRODUCT.DATAPOINT_COST_LARGE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"costs\">\n                                                        Costs\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CAFPL-CAA.PRODUCT.DATAPOINT_LOAN_AMOUNT\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"loan_amount\">\n                                                        Loan Amount\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CAFPL-CAA.PRODUCT.DATAPOINT_MIN_LOAN_TERM_LARGE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"loan_term\">\n                                                        Loan Term\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.DESCRIPTIONS.TABLE_DEFAULT_KEY_FEATURES\" class=\"comparison-table__feature comparison-table__feature--longtext tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"key_features\">\n                                                        Key Features\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc 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}\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n    margin-bottom: 12px;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: center;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--large {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: left;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  \/* &#9472;&#9472; Responsive T&C: inline (inside pill) vs below (outside pill) &#9472;&#9472; *\/\n  .rewards-pill__tc--below {\n    display: none;\n  }\n\n  .rewards-pill__icon-svg--compact {\n    display: none;\n  }\n\n  @media (max-width: 960px) {\n    .rewards-pill__tc--inline {\n      display: none;\n    }\n\n    .rewards-pill__tc--below {\n      display: block;\n    }\n\n    \/* Swap to compact icon on mobile\/tablet *\/\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--large {\n      display: none;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--compact {\n      display: block;\n    }\n\n    \/* Revert pill to compact size when T&C moves outside *\/\n    .rewards-pill[data-show-tc=\"true\"] {\n      height: 24px;\n      padding: 0px 8px 0px 2px;\n      border-radius: 4px 20px 20px 20px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n      border-radius: 4px 20px 20px 20px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n      top: 55%;\n      left: 3%;\n      margin-top: -19px;\n      margin-left: -6px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n      text-transform: uppercase;\n      font-size: 16px;\n      line-height: 24px;\n    }\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n  \/* Partner card (stacked rewards design) *\/\n  .rewards-pill__partner--large {\n    display: flex;\n    align-items: center;\n    gap: 2px;\n  }\n\n  .rewards-pill__partner--compact {\n    display: none;\n    align-items: center;\n    gap: 2px;\n  }\n\n  .rewards-pill__plus {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-size: 14px;\n    color: #232320;\n    z-index: 1;\n    line-height: 1;\n  }\n\n  .rewards-pill__partner-svg {\n    width: 68px;\n    height: 48px;\n    filter: drop-shadow(0px 0px 6.2px rgba(0, 0, 0, 0.15));\n  }\n\n  @media (max-width: 960px) {\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__partner--large {\n      display: none;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__partner--compact {\n      display: flex;\n    }\n  }\n\n<\/style><script>\n(function () {\n  window.isRewardsPillScriptInitialized ??= false;\n  if (window.isRewardsPillScriptInitialized) return;\n  window.isRewardsPillScriptInitialized = true;\n\n  function getLinkParams(anchor) {\n    const redirectUrl = anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n    try {\n      const url = new URL(redirectUrl);\n      const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n      if (!rawParams) return;\n      const { offer_id, niche_code, site, product_name, product_id } = JSON.parse(\n        decodeURIComponent(rawParams)\n      );\n      return {\n        redirectUrl,\n        offerId: offer_id,\n        niche: niche_code || site,\n        productName: product_name,\n        productId: product_id,\n      };\n    } catch (e) {\n      return;\n    }\n  }\n\n  function resolvePillContext(pill) {\n    \/\/ Table pill: lives inside a tr[data-product-id]\n    const row = pill.closest(\"tr[data-product-id]\");\n    if (row) {\n      return {\n        container: row,\n        cta: row.querySelector(\".rewards--cta\"),\n      };\n    }\n    \/\/ Standalone pill: shortcode \/ non-table context\n    if (pill.hasAttribute(\"data-campaign-name\")) {\n      const container = pill.closest(\".rewards--container\");\n      return {\n        container: container ? container.querySelector(\".rewards--element-container\") : null,\n        cta: container\n          ? container.querySelector(\"a.rewards--cta:not([aria-hidden='true'])\")\n          : null,\n      };\n    }\n    return { container: null, cta: null };\n  }\n\n  document.addEventListener(\"click\", (event) => {\n    const pill = event.target.closest(\".rewards-pill\");\n    if (!pill) return;\n\n    const { container, cta } = resolvePillContext(pill);\n    if (!container || !cta) return;\n\n    const linkParams = getLinkParams(cta);\n    if (!linkParams) return;\n\n    const params = {\n      productId: linkParams.productId,\n      campaignName:\n        container.getAttribute(\"data-rewards-campaign-name\") ||\n        pill.getAttribute(\"data-campaign-name\") ||\n        \"\",\n      redirectUrl: linkParams.redirectUrl,\n      productName: linkParams.productName,\n      providerName: container.getAttribute(\"data-provider-name\") || \"\",\n      niche: linkParams.niche,\n      offerId: linkParams.offerId,\n      component: \"infobox\",\n      badgeHtml: pill.outerHTML,\n    };\n\n    if (window.rewards && typeof window.rewards.displayModal === \"function\") {\n      window.rewards.displayModal(params, false, cta);\n    }\n  });\n})();\n<\/script><style>\n    .comparison-table__product-offer.comparison-table__product-offer--stacked {\n    background-color: #fff9e5;\n    border-color: #ffd23b;\n    border-bottom-left-radius: 0;\n    border-bottom-right-radius: 0;\n    padding: 12px;\n  }\n\n    .comparison-table__feature--offer.comparison-table__feature--offer-stacked {\n    display: flex;\n    flex-direction: column;\n  }\n\n    @media (max-width: 600px) {\n    .comparison-table__feature--offer.comparison-table__feature--offer-stacked {\n      order: 99;\n    }\n\n    tr:has(.comparison-table__feature--offer-stacked) .rewards-pill-wrapper {\n      display: none;\n    }\n  }\n\n    .finder-reward-connector {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    box-sizing: border-box;\n    width: 28px;\n    height: 28px;\n    margin: -14px auto;\n    padding-top: 2px;\n    position: relative;\n    z-index: 2;\n    border-radius: 9999px;\n    border: 1px solid #e6b40f;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    color: #092673;\n    font-size: 22px;\n    font-weight: 900;\n    line-height: 1;\n  }\n\n    .finder-reward-box {\n    display: flex;\n    flex-direction: row;\n    align-items: center;\n    gap: 12px;\n    width: 100%;\n    padding: 12px;\n        border-top-left-radius: 0;\n    border-top-right-radius: 0;\n    border-bottom-left-radius: 12px;\n    border-bottom-right-radius: 12px;\n    margin-top: -1px;\n    border: 1px solid #e6b40f;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n  }\n\n  .finder-reward-box__icon {\n    flex-shrink: 0;\n    display: inline-flex;\n  }\n\n  .finder-reward-box .finder-reward-box__card {\n    width: 52px;\n    height: auto;\n  }\n\n  .finder-reward-box__body {\n    color: #232320;\n    font-size: 14px;\n    line-height: 18px;\n  }\n\n  .finder-reward-box__title {\n    color: #092673;\n    font-weight: 800;\n    font-size: 16px;\n    line-height: 20px;\n  }\n\n    .finder-reward-box__tc {\n    color: #092673;\n    font-size: 14px;\n    line-height: 18px;\n    text-decoration: underline;\n    white-space: nowrap;\n  }\n<\/style><tr data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-provider-id=\"e32c50f7-c28d-4e2e-b914-e27d6a80ac43\" data-product-name=\"KOHO Cover\" data-provider-name=\"KOHO\" data-rewards-campaign-name=\"koho|cover|july-2026~cafsl\" data-should-show-rewards=\"true\" data-minimal-ux=\"true\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-6  js-comparison-table__row   rewards--element-container\"><td class=\"comparison-table__name combined-column-header  rewards-row f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" alt=\"KOHO logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafpl-caa')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">        Great      <\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">KOHO Cover<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafpl-caa.product.datapoint_cafpl_caa_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafpl-caa')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">        Great      <\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafpl-caa.product.datapoint_cost_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Costs\"><span class=\"detail-highlight\">0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest is charged to access a cash advance, however a fee is charged monthly (from as little as $2.00\/month). Interest rates displayed are Annual Percentage Rates (APRs) and are provided by our lending partners or obtained on the brand's website. The rates are not guaranteed and should be used for general information purposes only. Interest rates will depend on your location, the lender\u2019s assessment of your credit profile and other circumstances. All loan applications are subject to the lender\u2019s credit criteria, approval and terms and conditions.\" title=\"\" data-original-title=\"\"><\/span> + monthly fee from $2<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafpl-caa.product.datapoint_loan_amount\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$20 - $250<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafpl-caa.product.datapoint_min_loan_term_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">Flexible<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Key features: Instant, no credit check or income required&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key Features\"><b>Key features: Instant, no credit check or income required<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div 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5.80179C21.3735 5.71613 21.2442 5.68562 21.0713 5.70992C20.8984 5.73422 20.7594 5.80086 20.6543 5.9093C20.5868 5.97932 20.5342 6.05644 20.4966 6.14093C20.4679 6.20576 20.5208 6.27727 20.591 6.2674L21.5148 6.13757C21.5708 6.1297 21.6068 6.07281 21.5889 6.019C21.5423 5.87977 21.4587 5.80179 21.4587 5.80179Z\" fill=\"white\"><\/path><path d=\"M22.8252 4.8209L23.3771 4.74333C23.43 4.73589 23.4815 4.76497 23.5023 4.81415C23.5365 4.8946 23.643 4.91094 23.7006 4.84496C23.7423 4.79726 23.7891 4.752 23.8413 4.70915C23.9488 4.62087 24.0801 4.56585 24.2349 4.5441C24.3616 4.52629 24.4754 4.53266 24.5762 4.56271C24.6402 4.58187 24.6733 4.65274 24.6505 4.71541L24.4173 5.35711C24.3968 5.41367 24.3373 5.44519 24.2788 5.43157C24.2211 5.4181 24.1559 5.41647 24.0831 5.4267C23.9397 5.44687 23.8226 5.51043 23.7325 5.61676C23.6422 5.72339 23.594 5.8728 23.5871 6.06508L23.5346 7.48898C23.5324 7.54613 23.4896 7.59372 23.4328 7.6017L22.7647 7.69559C22.6919 7.70582 22.6275 7.64778 22.63 7.57426L22.7236 4.93359C22.7256 4.87621 22.7686 4.82858 22.8254 4.82061L22.8252 4.8209Z\" fill=\"white\"><\/path><path d=\"M6.41567 10.0419C5.98602 10.1023 5.54792 10.0202 5.17029 9.81041C4.86486 10.1162 4.46662 10.3159 4.03696 10.3763C2.94773 10.5293 1.93705 9.76773 1.78397 8.6785L1.50635 6.70312L5.86069 6.09116C6.94992 5.93808 7.9606 6.69969 8.11368 7.78892C8.26677 8.87815 7.50516 9.88883 6.41593 10.0419L6.41567 10.0419Z\" fill=\"white\"><\/path><path d=\"M5.87924 6.22354C6.89699 6.0805 7.83792 6.78955 7.98096 7.8073C8.12399 8.82505 7.41495 9.76598 6.3972 9.90901C5.94381 9.97273 5.5058 9.86693 5.14663 9.64058C4.8638 9.95742 4.47189 10.1796 4.01849 10.2433C3.00074 10.3864 2.05981 9.67731 1.91678 8.65956L1.6578 6.81682L5.8795 6.2235M5.84196 5.95826L1.35498 6.58887L1.65124 8.69688C1.81462 9.8594 2.89326 10.672 4.05552 10.5086C4.48104 10.4488 4.87778 10.261 5.19315 9.9735C5.57555 10.1629 6.0087 10.2341 6.43422 10.1743C7.59674 10.0109 8.40932 8.93231 8.24598 7.77005C8.08263 6.60779 7.00396 5.79495 5.8417 5.9583L5.84196 5.95826Z\" fill=\"#232021\"><\/path><path d=\"M6.19491 7.83566C6.19386 7.79818 6.22455 7.76755 6.26203 7.76833C6.52835 7.77406 6.72936 7.53977 6.65782 7.26483C6.63594 7.18028 6.58789 7.12861 6.53244 7.07483C6.50534 7.04864 6.50592 7.00409 6.53487 6.97976C6.84584 6.71711 7.22057 6.84076 7.46697 7.1448C7.76909 7.51758 7.8639 8.13976 7.68114 8.58438C7.42515 9.20638 6.81548 9.22917 6.44711 8.69018C6.27646 8.44023 6.20267 8.13613 6.19521 7.83588L6.19491 7.83566Z\" fill=\"#232021\"><\/path><path d=\"M3.78134 8.17453C3.78028 8.13704 3.81098 8.10642 3.84845 8.1072C4.11477 8.11293 4.31578 7.87863 4.24425 7.6037C4.22237 7.51915 4.17432 7.46748 4.11887 7.4137C4.09177 7.38751 4.09235 7.34295 4.12129 7.31862C4.43226 7.05598 4.80699 7.17962 5.0534 7.48366C5.35552 7.85645 5.45033 8.47863 5.26756 8.92324C5.01157 9.54525 4.4019 9.56804 4.03353 9.02905C3.86288 8.77909 3.7891 8.475 3.78163 8.17475L3.78134 8.17453Z\" fill=\"#232021\"><\/path><path d=\"M39.3595 21.3505C40.1366 21.2413 40.8577 21.7847 40.9669 22.5618C41.0761 23.3389 40.5327 24.0599 39.7556 24.1691L39.7554 24.1692C39.4489 24.2122 39.1363 24.1537 38.8669 24.004C38.649 24.2221 38.3649 24.3646 38.0584 24.4077C37.2813 24.5169 36.5602 23.9735 36.451 23.1964L36.2529 21.7871L39.3595 21.3505ZM38.7838 22.344C38.608 22.1271 38.3407 22.0389 38.1188 22.2263C38.0982 22.2436 38.0978 22.2754 38.1171 22.2941C38.1567 22.3325 38.1909 22.3693 38.2065 22.4297C38.2576 22.6258 38.1142 22.793 37.9242 22.7889C37.8974 22.7883 37.8756 22.8102 37.8763 22.8369L37.8765 22.8371C37.8818 23.0513 37.9345 23.2682 38.0562 23.4466C38.319 23.8311 38.754 23.8148 38.9366 23.3711C39.067 23.0539 38.9994 22.61 38.7838 22.344ZM40.5056 22.1021C40.3298 21.8851 40.0624 21.7969 39.8406 21.9843C39.8199 22.0017 39.8195 22.0334 39.8388 22.0521C39.8784 22.0905 39.9127 22.1274 39.9283 22.1877C39.9793 22.3838 39.8359 22.551 39.6459 22.5469C39.6192 22.5463 39.5973 22.5682 39.598 22.5949L39.5982 22.5951C39.6036 22.8093 39.6562 23.0263 39.7779 23.2046C40.0408 23.5891 40.4757 23.5729 40.6584 23.1291C40.7888 22.8119 40.7211 22.368 40.5056 22.1021Z\" fill=\"url(#pill_paint1_pill_compact_714946877)\"><\/path><\/g><defs><lineargradient id=\"pill_paint0_pill_compact_714946877\" x1=\"25.2019\" y1=\"2.56791\" x2=\"36.7429\" y2=\"9.19153\" gradientunits=\"userSpaceOnUse\"><stop offset=\"0.18\" stop-color=\"#FFD23B\"><\/stop><stop offset=\"0.24\" stop-color=\"#FFD835\"><\/stop><stop offset=\"0.29\" stop-color=\"#FEDA3D\"><\/stop><stop offset=\"0.36\" stop-color=\"#FEE053\"><\/stop><stop offset=\"0.45\" stop-color=\"#FEEA77\"><\/stop><stop offset=\"0.55\" stop-color=\"#FDF7A9\"><\/stop><stop offset=\"0.6\" stop-color=\"#FDFFC4\"><\/stop><stop offset=\"0.62\" stop-color=\"#FDF8AC\"><\/stop><stop offset=\"0.65\" stop-color=\"#FDEE88\"><\/stop><stop offset=\"0.68\" stop-color=\"#FEE669\"><\/stop><stop offset=\"0.71\" stop-color=\"#FEE052\"><\/stop><stop offset=\"0.75\" stop-color=\"#FEDB41\"><\/stop><stop offset=\"0.79\" stop-color=\"#FED838\"><\/stop><stop offset=\"0.84\" stop-color=\"#FFD835\"><\/stop><stop offset=\"0.9\" stop-color=\"#FFD23B\"><\/stop><\/lineargradient><radialgradient id=\"pill_paint1_pill_compact_714946877\" cx=\"0\" cy=\"0\" r=\"1\" gradientunits=\"userSpaceOnUse\" gradienttransform=\"translate(40.4043 24.2693) rotate(-172.006) scale(4.25594 5.99724)\"><stop offset=\"0.4\" stop-color=\"#EDEEF8\"><\/stop><stop offset=\"0.45\" stop-color=\"#F5F2E1\"><\/stop><stop offset=\"0.5\" stop-color=\"#F9CBD3\"><\/stop><stop offset=\"0.6\" stop-color=\"#DCECF6\"><\/stop><stop offset=\"0.7\" stop-color=\"#CAC5FE\"><\/stop><stop offset=\"0.9\" stop-color=\"#CBE9F3\"><\/stop><stop offset=\"1\" stop-color=\"#F9E9D0\"><\/stop><\/radialgradient><clippath id=\"pill_clip0_pill_compact_714946877\"><rect y=\"5.56738\" width=\"40\" height=\"25.2248\" rx=\"1.61564\" transform=\"rotate(-8 0 5.56738)\" fill=\"white\"><\/rect><\/clippath><\/defs><\/svg><\/span><span class=\"rewards-pill__text\">$75 REWARD<\/span><\/div><\/div><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":8.7,\"badges\":[],\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22fieldset%22%3A%22cafpl-pay-advance%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22f003549f-877f-4d0e-941b-74f003c52d5f%22%2C%22category_name%22%3A%22All%2BCash%2BAdvance%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221786091945%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2224890%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%22f256ae15-efed-4744-b404-5007adc7d719%22%2C%22product_name%22%3A%22KOHO%2BCover%22%2C%22finder_reward%22%3A%221%22%2C%22finder_reward_campaign_name%22%3A%22koho%257Ccover%257Cjuly-2026%257Ecafsl%22%2C%22post_id%22%3A%22730725%22%2C%22post_path%22%3A%22payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall rewards--cta rewards--record-id-f256ae15-efed-4744-b404-5007adc7d719 button--cta\" title=\"Go to KOHO's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about KOHO Cover\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.7,\"badges\":[],\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-f256ae15-efed-4744-b404-5007adc7d719\" value=\"f256ae15-efed-4744-b404-5007adc7d719\" name=\"productID\" _productname=\"@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}                        \t               8.7                    Great                                          KOHO Cover            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.7,\"badges\":[],\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-f256ae15-efed-4744-b404-5007adc7d719\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"09a8b8bb-ef71-4a58-a987-6c0b694b0e55\" data-provider-id=\"4e4ab891-7bbb-4486-ab5c-34b55900e6c3\" data-product-name=\"Bree Early Pay\" data-provider-name=\"Bree\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-6  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/bree-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" alt=\"Bree logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafpl-caa')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.8<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">        Great      <\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/bree-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Bree Early Pay<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafpl-caa.product.datapoint_cafpl_caa_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafpl-caa')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.8<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">        Great      <\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafpl-caa.product.datapoint_cost_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Costs\"><span class=\"detail-highlight\">0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional transfer fee of  $2.99 \u2013 $45.99 to access instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafpl-caa.product.datapoint_loan_amount\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$20 - $750<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafpl-caa.product.datapoint_min_loan_term_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">Next pay cycle<\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n\t\t\t\tRefer a friend and get a $20 credit limit increase on your next withdrawal. T&amp;Cs apply.\n\t\t\t<\/span><\/div><\/td><td class=\"comparison-table__feature\n                    \n                                                                                                                                                      comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Key features: Instant e-Transfers, 24\/7, no credit check&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                              \" data-heading=\"Key Features\"><b>Key features: Instant e-Transfers, 24\/7, no credit check<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":8.8,\"badges\":[],\"productId\":\"09a8b8bb-ef71-4a58-a987-6c0b694b0e55\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22fieldset%22%3A%22cafpl-pay-advance%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22f003549f-877f-4d0e-941b-74f003c52d5f%22%2C%22category_name%22%3A%22All%2BCash%2BAdvance%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221786091945%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2223342%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22post_id%22%3A%22730725%22%2C%22post_path%22%3A%22payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Bree's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Bree Early Pay\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.8,\"badges\":[],\"productId\":\"09a8b8bb-ef71-4a58-a987-6c0b694b0e55\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-09a8b8bb-ef71-4a58-a987-6c0b694b0e55\" value=\"09a8b8bb-ef71-4a58-a987-6c0b694b0e55\" name=\"productID\" _productname=\"@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}                        \t               8.8                    Great                                          Bree Early Pay            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.8,\"badges\":[],\"productId\":\"09a8b8bb-ef71-4a58-a987-6c0b694b0e55\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-09a8b8bb-ef71-4a58-a987-6c0b694b0e55\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"67d91ad3-fadc-4803-bce1-ea50a0b9761f\" data-provider-id=\"ebeeeb79-83ef-4800-894b-85bc38778e7c\" data-product-name=\"Nyble Credit Line\" data-provider-name=\"Nyble\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-6  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" alt=\"Nyble logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafpl-caa')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">        Excellent      <\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Nyble Credit Line<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafpl-caa.product.datapoint_cafpl_caa_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafpl-caa')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">        Excellent      <\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafpl-caa.product.datapoint_cost_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Costs\"><span class=\"detail-highlight\">0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional $11.99\/month fee for membership to get premium services such as instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafpl-caa.product.datapoint_loan_amount\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$30 - $250<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafpl-caa.product.datapoint_min_loan_term_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">31 days, extendable<\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n\t\t\t\tUse code <b>CFIND1J<\/b> to get 500 extra points and a $5 higher approval. T&amp;Cs apply.\n\t\t\t<\/span><\/div><\/td><td class=\"comparison-table__feature\n                    \n                                                                                                                                                      comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Key features: Instant e-Transfers, 24\/7, no credit check&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                              \" data-heading=\"Key Features\"><b>Key features: Instant e-Transfers, 24\/7, no credit check<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":9.3,\"badges\":[],\"productId\":\"67d91ad3-fadc-4803-bce1-ea50a0b9761f\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22fieldset%22%3A%22cafpl-pay-advance%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22f003549f-877f-4d0e-941b-74f003c52d5f%22%2C%22category_name%22%3A%22All%2BCash%2BAdvance%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221786091945%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2223215%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22post_id%22%3A%22730725%22%2C%22post_path%22%3A%22payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Nyble's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Nyble Credit Line\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.3,\"badges\":[],\"productId\":\"67d91ad3-fadc-4803-bce1-ea50a0b9761f\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-67d91ad3-fadc-4803-bce1-ea50a0b9761f\" value=\"67d91ad3-fadc-4803-bce1-ea50a0b9761f\" name=\"productID\" _productname=\"@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}                        \t               9.3                    Excellent                                          Nyble Credit Line            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.3,\"badges\":[],\"productId\":\"67d91ad3-fadc-4803-bce1-ea50a0b9761f\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-67d91ad3-fadc-4803-bce1-ea50a0b9761f\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - now;\n\n        if (distance < 0) {\n          \/\/ Countdown finished\n          if (daysEl) daysEl.textContent = \"00d\";\n          if (hoursEl) hoursEl.textContent = \"00h\";\n          if (minutesEl) minutesEl.textContent = \"00m\";\n          if (secondsEl) secondsEl.textContent = \"00s\";\n          if (countdownInterval) {\n            clearInterval(countdownInterval);\n          }\n          return;\n        }\n\n        const days = Math.floor(distance \/ (1000 * 60 * 60 * 24));\n        const hours = Math.floor((distance % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n        const minutes = Math.floor((distance % (1000 * 60 * 60)) \/ (1000 * 60));\n        const seconds = Math.floor((distance % (1000 * 60)) \/ 1000);\n\n        if (daysEl) daysEl.textContent = days.toString().padStart(2, \"0\") + \"d\";\n        if (hoursEl) hoursEl.textContent = hours.toString().padStart(2, \"0\") + \"h\";\n        if (minutesEl) minutesEl.textContent = minutes.toString().padStart(2, \"0\") + \"m\";\n        if (secondsEl) secondsEl.textContent = seconds.toString().padStart(2, \"0\") + \"s\";\n      };\n\n      \/\/ Update immediately\n      updateCountdown();\n\n      \/\/ Update every second\n      countdownInterval = setInterval(updateCountdown, 1000);\n\n      \/\/ Store interval ID to clear it later if needed\n      rewardsProduct.dataset.countdownInterval = countdownInterval;\n    }\n\n    const initRewards = (table) => {\n      if (!table) return;\n\n      const recordIdsAttr = table.getAttribute(\"data-table-record-ids\");\n      if (!recordIdsAttr) return;\n\n      let productIds = [];\n      try {\n        const decoded = recordIdsAttr.replace(\/&quot;\/g, '\"');\n        productIds = JSON.parse(decoded);\n      } catch (e) {\n        return;\n      }\n\n      if (!productIds.length) return;\n\n      productIds.forEach((productId) => {\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = 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0);\n      });\n      observer.observe(table, { childList: true, subtree: true });\n    });\n  });\n})();\n<\/script><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count-f003549f-877f-4d0e-941b-74f003c52d5f comparison-table__dataCount\">Showing\n\t\t\t3\n\t\t\tof\n\t\t\t3\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"CAFPL-CAA\" data-rewards-component=\"compare-products\"><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for cash advance apps<\/h3>\n\n<p>To make comparing even easier, we came up with the <a href=\"https:\/\/www.finder.com\/ca\/finder-score\">Finder Score<\/a>. Interest rates, fees and features across 5+ cash advance apps are all weighted and scaled to produce a score out of 10. The higher the score the better the loan\u2014simple.<\/p>\n\n<p style=\"text-align: center;\"><a class=\"luna-button luna-button--primary\" href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/cash-advance-app-ratings-methodology\">Read the full methodology<\/a><\/p><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<p>People often turn to payday loans for those times when there\u2019s a little more month left at the end of the money. According to the Financial Consumer Agency of Canada, most payday loan borrowers use the money to cover necessary expenses like bills or unexpected expenses that pop up before payday. We\u2019ll help you understand what a payday loan is, what to consider before borrowing, how they\u2019re regulated and alternatives to these high-cost loans.<\/p><h3>What is a payday loan?<\/h3><p>Payday loans are high-interest loans of up to $1,500. These loans are typically paid back when your next paycheque is deposited in your account, hence the term \u201cpayday loans.\u201d In Canada, payday loans are regulated at the provincial level.<\/p><h3 data-toc=\"false\">Where can you get payday loans in Canada?<\/h3><p>If you need to get a payday loan, you can apply either online or at a physical store:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Payday loan options<\/th><th scope=\"col\">Quick facts<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><b>Online lenders<\/b><\/td><td><ul><li>Quick and easy<\/li><li>Apply for and manage your loan from a phone app or website<\/li><li>No need to fax any documents<\/li><li>Get your money within minutes of approval via e-Transfer<\/li><\/ul><\/td><\/tr><tr><td><b>Storefront lenders<\/b><\/td><td><ul><li>Some lenders have extensive branch networks<\/li><li>You can apply at a physical store at a location near you<\/li><li>You\u2019ll need to bring the required documentation<\/li><li>Get instant approval<\/li><\/ul><\/td><\/tr><\/tbody><\/table><h3 id=\"cost\">How much do payday loans cost?<\/h3><p>Payday loans are one of the most expensive ways to borrow money. The annual percentage rate (APR) charged on payday loans is very high at 365%. For comparison\u2019s sake, credit card APRs sit between 12% and 29.99%, and personal loan APRs are between 6.99% and 35%.<\/p><p>The cost of a payday loan is $14 for every $100 borrowed.<\/p><div class=\"content-area-light-blue has-padding-small has-padding-top-large\"><h4>Payday loan repayment example<\/h4><p>Here\u2019s an example of how much a $500 payday loan in BC would cost:<\/p><ul><li>Loan amount: $500<\/li><li>Loan term: 14 days<\/li><li>Borrowing fee: $14 for every $100 = $70<\/li><li>Total repayment amount: $570<\/li><li>APR: 365%<\/li><\/ul><\/div><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-interest-rates\" style=\"text-decoration:underline; font-size:0.9em;\">Payday loan rates<\/a>\n<\/div>\n<\/article><h4>What other fees can come with payday loans?<\/h4><p>If you\u2019re late or miss a repayment, you may be charged other fees, which can include:<\/p><ul class=\"list-3\"><li><b>Late payment fees. <\/b>If you\u2019re late with a repayment and don\u2019t notify your lender beforehand, you\u2019ll likely be charged a fee.<\/li><li><strong>Bounced cheque or failed direct debit. <\/strong>If your payment bounces, you may be charged a $20 fee.<\/li><\/ul><p style=\"text-align: center;\"><a class=\"btn btn-masthead btn-success scroll\" href=\"#comparison-table\">Compare payday loans<\/a><\/p><h3>What are the benefits of getting payday loans?<\/h3><p>When you apply for a payday loan, some of the benefits include:<\/p><ul class=\"list-1\"><li><b>Fast and easy.<\/b> Apply online in under 10 minutes, get an instant decision and get instant funding if you\u2019re approved. <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/weekend-payday-loans\">You can apply for a payday loan even on a weekend.<\/a><\/li><li><b>Bad credit doesn\u2019t matter.<\/b> Payday lenders shift the emphasis from your credit score to your ability to repay a loan. As long as you can prove you have a stable income to repay a loan, you should be in the clear.<\/li><li><strong>Non-employment income is okay. <\/strong>Unlike most personal loans, you can use non-employment income, such as government benefits, to qualify for a payday loan.<\/li><\/ul><h3>Are payday loans a bad idea?<\/h3><p>Payday loans are not viewed positively because of their extremely high fees and short repayment terms. Customers who desperately need financing turn to payday loans as they are easy to get and provide quick financial relief\u2014but they can also throw borrowers into a cycle of debt. Before taking out a payday loan, make sure you\u2019ll have enough income left to pay for other debts and expenses once you repay your loan. Otherwise, you may find that you need another payday loan to cover the income shortage.<\/p><p>Before applying for a payday loan, consider the following:<\/p><ul><li><b>Are you eligible for any lower-cost loans?<\/b> You may qualify for a cheaper source of financing. <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\">Learn more about payday loan alternatives.<\/a><\/li><li><b>Will repayments be manageable for you? <\/b>Work out if the payday loan will be manageable with your current budget before proceeding. Failing to repay could result in late payment and NSF fees.<\/li><li><b>What are you using the loan for?<\/b> Payday loans are a band-aid solution and aren\u2019t designed to fix long-term financial problems. If you have substantial financial problems, <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-management\/free-help-for-debt-management\">consider credit counselling<\/a>.<\/li><\/ul><p>\u00a0<\/p><h3 id=\"apply\">How to apply online for payday loans<\/h3><p>While applications vary from lender to lender, these are the steps you\u2019ll typically need to follow when filling out an application:<\/p><ol><li><a class=\"scroll\" href=\"#comparison-table\">Select the <strong>Go to site<\/strong> button above<\/a>, or visit a lender\u2019s website.<\/li><li>Provide information about yourself, including your contact details and Social Insurance Number.<\/li><li>Fill in your employment details or benefits information if you\u2019re receiving government benefits like a pension, EI or welfare.<\/li><li>Provide information about your monthly income, including how frequently you\u2019re paid.<\/li><li>Log in through <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bank-verification-loans\">instant bank verification<\/a> and agree to electronic transfers. Confirm if the website is secure and reputable before providing this information.<\/li><\/ol><p>You\u2019ll need to read over a lender\u2019s terms of service and privacy policy before submitting your application. The <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans\">best payday loan providers<\/a> offer a secure online application and outline your loan\u2019s final amount so you know exactly how much it will cost to borrow. Payday lenders are not allowed to charge more than the amount capped by provincial rules.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Eligibility criteria for payday loans<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Eligibility differs between lenders and provinces. However, the following minimum criteria will usually need to be met:<\/p><ul class=\"list-7\"><li><b>Age<\/b>. You must be of the age of majority in your province or territory.<\/li><li><b>Residency.<\/b> You\u2019ll need to be a Canadian citizen or permanent resident with a valid Canadian address.<\/li><li><b>Income.<\/b> You\u2019ll need proof that you have some form of income, whether it\u2019s employment income or government benefits.<\/li><li><b>Employment.<\/b> Some lenders require you to be employed; however, some will accept you if you are self-employed or have government benefits or welfare.<\/li><li><b>Bank account. <\/b>If you\u2019re applying online, you will need a working bank account. If you apply in person at a store, you may not need a bank account.<\/li><\/ul><div class=\"has-padding-xsmall\"><\/div><p><strong>Note: <\/strong>Remember that meeting basic eligibility requirements does not guarantee payday loan approval.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Required documents for payday loans<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you apply via instant bank verification, you won\u2019t need to send any documents. If you do it the traditional way, prepare the following:<\/p><ul class=\"list-7\"><li>Valid ID with your name and address<\/li><li>Proof of government benefits, investment income or employment income<\/li><li>Bank statements<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><h3>Am I eligible for a payday loan if\u2026<\/h3><ul class=\"list-1\"><li><b>I receive a pension?<\/b><\/li><\/ul><p>If you\u2019re retired or physically unable to work, you can still access a line of credit, personal loan or a payday loan. Some lenders consider your pension as income, so you may still be eligible depending on your financial situation and why you need the loan. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/retired-loans\">Learn more about loans for retirees.<\/a><\/p><ul class=\"list-1\"><li><b>I receive welfare payments?<\/b><\/li><\/ul><p>Some payday lenders and institutions consider welfare payments as income, so you may be eligible. It generally depends on how much you earn, what kind of financial situation you\u2019re in and the kind of payments you receive. Contact a lender to find out if you\u2019re eligible. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/loans-for-people-on-welfare\">Learn more about payday loans for welfare recipients.<\/a><\/p><ul class=\"list-1\"><li><b>I have bad credit?<\/b><\/li><\/ul><p>It\u2019s possible to get a payday loan with bad credit. When reviewing your application, lenders will place less emphasis on your credit and more on your income.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loans-with-government-benefits\" style=\"text-decoration:underline; font-size:0.9em;\">List of payday lenders that accept government benefits<\/a>\n<\/div>\n<\/article><h3>What happens after I apply for a payday loan?<\/h3><p>Once you submit your payday loan application, lenders will give you a decision within minutes. If you\u2019re applying online, lenders can typically <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/e-transfer-payday-loans\">e-Transfer payday loans<\/a> within minutes or deposit the funds into your bank account within one business day or less. If you\u2019re applying in-store, you can receive your funds via cash, cheque or e-Transfer.<\/p><p>When it\u2019s time to repay, your lender will withdraw the principal amount and any fees you owe directly from your bank account. Make sure you have enough money in your bank account on your due date to avoid penalties.<\/p><p>Keep in mind that you\u2019re under no obligation to accept the terms of your payday loan offer. If you\u2019ve read through the terms and conditions before signing, you can always decline the offered loan. If you\u2019ve signed the contract, some provinces allow a cooling-off period (typically two days) where you can cancel the payday loan without penalty.<\/p><h3>Do payday loan providers check your credit score?<\/h3><p>It depends. Some payday lenders do not check credit scores, while others do. Even if a payday lender checks your credit score, it doesn\u2019t mean you\u2019ll get rejected if you have poor credit, because payday lenders are more lenient than traditional lenders.<\/p><p>Examples of no credit check payday lenders include:<\/p><ul><li>PAY2DAY<\/li><li>My Canada Payday<\/li><li>Mr. Payday<\/li><li>Money Mart<\/li><li>Credit Club Loans<\/li><li>Focus Cash Loans<\/li><li>Wagepay<\/li><\/ul><h3 data-toc=\"false\">Reasons why you might be rejected<\/h3><p>While your lender should provide a reason why you weren\u2019t approved for a payday loan, these are four of the most likely reasons:<\/p><ul class=\"list-12\"><li>You aren\u2019t employed, or your income is too low.<\/li><li>You have an active payday loan.<\/li><li>You have too many existing debts.<\/li><li>You had errors on your application.<\/li><\/ul><h3>Can a payday loan improve my credit?<\/h3><p>No. Payday loans don\u2019t work like traditional loans because most lenders don\u2019t report your payment history to the major credit bureaus. Payday loans are often considered a type of cash advance, so they typically have no effect on your credit score if you pay them back on time.<\/p><h3>Can a payday loan hurt my credit?<\/h3><p>Yes, it can, if you don\u2019t make your payments. If you don\u2019t pay off your loan, your payday lender can turn it over to a debt collection agency. Debt collection agencies typically report loans to credit bureaus. Collections show up on your report and can hurt your score.<\/p><h3>Do I need a credit score to get a payday loan?<\/h3><p>No, payday lenders are lenient, and you don\u2019t need a credit history to get approved.<\/p><h3>Do payday lenders usually report to the credit bureaus?<\/h3><p>No, payday lenders don\u2019t report on-time repayments to the two major credit bureaus: TransUnion and Equifax. The most common way for your payday loan to be reported to a credit bureau is if it goes into collections.<\/p><h3>How do I stay on top of my payday loan repayment?<\/h3><p>Ask yourself these questions to make sure a payday loan is a feasible financial option that won\u2019t cause you long-term problems:<\/p><ul><li><strong>How much are my monthly bills?<\/strong> Write down and add up your rent or mortgage, utilities and other monthly expenses.<\/li><li><strong>How much are my living expenses?<\/strong> Consider how much you need for groceries, gas for your car, a few dollars for that morning coffee and other living expenses.<\/li><li><strong>How much of my paycheque do I have left?<\/strong> Subtract your monthly costs from your monthly salary after taxes. If you have enough left to cover your payday loan repayment, your loan is affordable.<\/li><\/ul><p>Ultimately, you need to know that you can afford to repay your loan according to the terms and still have enough cash to pay for your regular expenses. Otherwise, you may find yourself in a recurring debt situation.<\/p><h3>What happens if I don\u2019t pay back a payday loan?<\/h3><p>If you don\u2019t pay back a payday loan, you will be charged fees and your loan goes into default. Often, payday lenders hire debt collectors to try to collect on the loan, and when this happens, the collection agency can report your loan to the credit bureaus, which can negatively affect your credit score.<\/p><p>If you can\u2019t make a payment on your payday loan, contact your creditor immediately to explain your situation. They might be willing to work with you to create a plan that helps you more easily pay back what you owe.<\/p><h3>Can you renew payday loans?<\/h3><p>Renewing your loan just once can double its cost and make it even more difficult to pay off in the future. For this reason, provinces have made direct rollovers illegal. If you want to take out another loan, you\u2019ll first have to pay off your current loan and then re-apply for a new one.<\/p><p>Some lenders have benefits for repeat borrowers, such as increased borrowing amounts and quicker funding. However, don\u2019t get into the habit of taking out payday loans. These are short-term solutions that often trigger a \u201cdebt spiral.\u201d The Financial Consumer Agency of Canada reported that 7% of survey respondents take out another payday loan to repay their first one. Read our guide on <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-cycle\">how to get out of payday loans<\/a> to learn practical ways to step out of that cycle of debt.<\/p><h3>What can I use instead of a payday loan?<\/h3><p>A payday loan can be an expensive way of getting emergency financing. Consider these payday loan alternatives before you borrow:<\/p><ul><li><strong>Provincial or federal aid.<\/strong> If you find yourself in need of consistent financial assistance, you might want to look into provincial or federal programs. Housing assistance and other aid could help reduce your bills, so you can avoid payday loans.<\/li><li><strong>Friends and family.<\/strong> If you\u2019re in a financial pinch, your friends and family may be willing to help. It doesn\u2019t necessarily have to be a loan\u2014giving you a ride while your car is in the shop or babysitting could help take the stress off your budget.<\/li><li><strong>Cash advance apps.<\/strong> These are short-term loans that charge zero interest. A fee applies for instant transfers, but two cash advance apps, Bree and Nyble, offer slow delivery for free.<\/li><li><strong>Installment loans.<\/strong> These types of loans are for small amounts of money, but you make repayments over time in installments as opposed to one lump sum like a payday loan. You can <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/best-installment-loans\">learn more about installment loans here<\/a>.<\/li><li><strong>Credit union loans.<\/strong> Credit unions and other small banks sometimes offer small loans to their existing customers. Salary advances can be applied for and repaid on your next payday, often for more reasonable rates.<\/li><li><strong>Bank overdraft.<\/strong> If your bank account is in good standing, you may be eligible for a small personal loan or overdraft. Contact your current bank to discuss your eligibility.<\/li><li><strong>Credit card cash advance.<\/strong> Getting a <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/credit-card-cash-advances-vs-payday-loans\">credit card cash advance<\/a> can be much more affordable than a payday loan. You can usually get a cash advance up to a percentage of your credit limit. You\u2019ll typically be charged anywhere from 24% to 36% for credit card cash advances.<\/li><\/ul><h3>Bottom line<\/h3><p>A payday loan is best saved as a last resort when you\u2019re facing an emergency financial situation. If you\u2019ve weighed the alternatives and believe a payday loan is right for you, you can <a class=\"scroll\" href=\"#comparison-table\">compare your payday loan options<\/a> to find the best deal available to you.<\/p><h3 data-toc=\"false\">Frequently asked questions about payday loans<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I pay off my payday loan early?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, it's possible. Check the payday loan regulations in your province. In many provinces, lenders must allow you to pay off your loan early without any charges or penalties.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">I see lenders offering 'guaranteed' and 'instant' loans. Is this legit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No, <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/guaranteed-approval-loans-poor-credit\">there's no such thing as a guaranteed loan<\/a>. If you see a lender offering guaranteed payday loans, it may be a scam, predatory or not actually guaranteed.<\/p><p>Lenders offering <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/instant-loans-canada\">instant payday loans<\/a> are likely referencing how long it takes to get approved, which can happen online fairly quickly. It could take as little as 30 minutes or as much as several hours to receive your funds, in part because of how long it takes your financial institution to receive money transfers. If you apply in-store and get approved, you can often walk away with your money on the spot.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Are there three-month payday loans?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. In Canada, the maximum loan term allowed for payday loans is 62 days. 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