{"id":1040930,"date":"2024-06-24T12:22:54","date_gmt":"2024-06-24T16:22:54","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1040930"},"modified":"2026-11-05T18:27:03","modified_gmt":"2026-11-05T23:27:03","slug":"nyble-vs-bree-vs-koho","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-vs-bree-vs-koho","title":{"rendered":"Nyble vs Bree vs KOHO vs Neo Advance"},"content":{"rendered":"

Nyble, Bree, KOHO and Neo Advance all offer interest-free cash advances to Canadians. These small, short-term loans provide funds you can use to cover unexpected expenses and avoid bank account NSF fees.<\/p>

But which is the best cash advance provider? To find out, we\u2019ve compared Nyble vs Bree vs KOHO vs Neo Advance head to head.<\/p>

Nyble vs Bree vs KOHO vs Neo Advance overview<\/h3>
<\/th>

\"Nyble<\/p>

Nyble<\/p><\/th>

\"Bree<\/p>

Bree<\/p><\/th>

\"Koho<\/p>

KOHO<\/p><\/th>

\"NeoNeo Advance<\/p><\/th><\/tr><\/thead>

Loan amount<\/td>$30 \u2013 $250<\/td>$20 \u2013 $750<\/td>$20 \u2013 $500<\/td>$20 \u2013 $300<\/td><\/tr>
Loan term<\/td>31 days, extendable, due date changes allowed<\/td>Next pay cycle (90 days max)<\/td>Flexible<\/td>Up to 34 days<\/td><\/tr>
Free advance available<\/td>Yes<\/td>Yes<\/td>No<\/td>No<\/td><\/tr>
Monthly fee<\/td>No fee for standard funding, $11.99 for instant advances and other perks<\/td>No fee for standard funding, $2.99 \u2013 $45.99 per transfer for instant transfers (varies based on amount)<\/td>
  • KOHO Cover monthly fee starts at $2<\/li>
  • KOHO plan fee may also apply<\/li><\/ul><\/td>
$9.99 for a Neo Build membership<\/td><\/tr>
Interest rate<\/td>0%<\/td>0%<\/td>0%<\/td>0%<\/td><\/tr>
Speed<\/td>Instant approval available, instant funding available for a fee (otherwise one to three business days)<\/td>Instant approval available, instant funding available for a fee (otherwise one to three business days)<\/td>Instant approval and funding<\/td>Instant funding<\/td><\/tr>
24\/7 funding<\/td>Yes<\/td>Yes<\/td>Yes<\/td>Yes<\/td><\/tr>
Eligibility<\/td>Age of majority, linked bank account, recurring income<\/td>Age of majority, linked bank account, recurring income<\/td>Age of majority, KOHO account<\/td>Age of majority, Canadian resident, Neo membership, Neo Chequing acccount<\/td><\/tr>
Income requirements<\/td>Must receive direct deposit income of more than $1,000<\/td>Must receive recurring income as direct deposit on consistent dates<\/td>None<\/td>None<\/td><\/tr>
Credit check<\/td>Not required<\/td>Not required<\/td>Not required<\/td>Not required<\/td><\/tr>
Application process<\/td>Website, Android app, iOS app<\/td>Website, Android app, iOS app<\/td>Website, Android app, iOS app<\/td>Website, Android app, iOS app<\/td><\/tr>
Extra perks<\/td>Credit building (plus premium members get a higher rewards rate, identity theft protection and credit monitoring)<\/td>1-month free trial of its budgeting tool<\/td>3-month trial of its Everything Plan (learn more about KOHO sign-up bonuses<\/a>)<\/td>Reports repayment activity to credit bureaus and 30-day trial of its Build plan<\/td><\/tr>
<\/td>Go to site<\/a>Read review<\/a><\/td>Go to site<\/a>Read review<\/a><\/td>