{"id":1002384,"date":"2022-12-19T14:05:30","date_gmt":"2022-12-19T19:05:30","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1002384"},"modified":"2025-06-23T18:19:50","modified_gmt":"2025-06-23T22:19:50","slug":"nyble-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review","title":{"rendered":"Nyble review: rates, fees, pros and cons"},"content":{"rendered":"
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\nRelated: <\/span>Cash advance apps in Canada<\/a>\n<\/div>\n<\/article>

What is Nyble?<\/h3>

Launched in 2022, Nyble is a Canadian fintech platform based in Toronto. It offers credit score monitoring, credit building and credit lines.<\/p>

Nyble is run by Fincentify Inc., an Ontario fintech startup.<\/p>

Is Nyble legit?<\/h3>

Fincentify Inc., the company behind Nyble, has been listed in the Ontario Business Registry<\/a> since July 2020. Its registered office is located in Toronto.<\/p>

The company also has a verified TrustPilot profile with over 2,000 reviews and an Apple App with over 600 reviews.<\/p>

How does Nyble work?<\/h3>

Nyble offers three services that work together to help Canadians with their finances:<\/p>

1. Credit score tracking (free)<\/h4>

Create an account with Nyble to access your free Equifax credit score and get updated on changes to your credit report. Checking your credit will not hurt your credit score. As an added perk, Nyble\u2019s app doles out reward points each time your credit score moves up or when you reduce debt.<\/p>

2. Credit line (free)<\/h4>

Once you create an account, you might be eligible for an interest-free credit line of up to $250. You will need a bank account with an income source to get approved, but a prior credit history is not required.<\/p>

Credit line funding with a free account takes up to three business days. If you need to receive money faster than that, you\u2019ll need to get Nyble\u2019s premium membership, which provides instant funding.<\/p>

3. Credit building (free)<\/h4>

All payments, whether late or on time, will be reported to the credit bureau.<\/p>

Summary of Nyble\u2019s services<\/h3>
Service<\/th>Basic (free)<\/th>Premium (paid)<\/th><\/tr><\/thead>
Credit score tracking and monitoring<\/strong><\/td>\"Green<\/td>\"Green<\/td><\/tr>
Small credit line of up to $250<\/strong><\/td>\"Green<\/td>\"Green<\/td><\/tr>
Credit building<\/strong><\/td>\"Green<\/td>\"Green<\/td><\/tr>
Rewards available<\/strong><\/td>\"Green<\/td>\"Green<\/td><\/tr>
Earn 5x rewards<\/strong><\/td>\"Red<\/td>\"Green<\/td><\/tr>
Credit line instant funding<\/strong><\/td>\"Red<\/td>\"Green<\/td><\/tr>
Full credit report from Equifax<\/strong><\/td>\"Red<\/td>\"Green<\/td><\/tr>
$100,000 of digital identity protection<\/strong><\/td>\"Red<\/td>\"Green<\/td><\/tr><\/tbody><\/table>

You\u2019ll pay $11.99\/month for a premium membership. <\/strong>Cancel any time.<\/p>