{"id":737064,"date":"2018-05-13T23:06:19","date_gmt":"2018-05-14T03:06:19","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=737064"},"modified":"2026-05-06T11:51:55","modified_gmt":"2026-05-06T15:51:55","slug":"best-payday-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans","title":{"rendered":"Best Payday Loans &#038; Cash Advances in Canada (2026)"},"content":{"rendered":"<p>If you have an urgent expense and need to borrow money instantly, you have two main options: payday loans or cash advance apps. Payday loans offer instant approval, lenient eligibility criteria and 24\/7 e-Transfer funding. But the downside is that they\u2019re extremely expensive. Cash advances are a cheaper, interest-free alternative, but only if you need a small loan amount.<\/p><p>If a payday loan or cash advance is right for your personal situation, check out the best payday loans and cash advances in Canada from these 10 lenders.<\/p><h3>Summary of the best payday loans and cash advance apps<\/h3><ul><li><a href=\"#wagepay\">Wagepay<\/a><\/li><li><a href=\"#koho\">KOHO<\/a><\/li><li><a href=\"#nyble\">Nyble<\/a><\/li><li><a href=\"#bree\">Bree <\/a><\/li><li><a href=\"#cashco\">Cashco<\/a><\/li><li><a href=\"#goday\">GoDay<\/a><\/li><li><a href=\"#moneymart\">Money Mart<\/a><\/li><li><a href=\"#loanexpress\">Loan Express<\/a><\/li><li><a href=\"#pay2day\">PAY2DAY<\/a><\/li><\/ul><div class=\"box\">\r\n  <h5 class=\"box-title\" id=\"financial-hardship\">\u26a0\ufe0f  Warning: Be cautious with payday loans<\/h5>\n<span style=\"font-size: 11pt\">High-cost payday loans are unsustainable for long-term use, with up to $14 charged per $100 borrowed. If you're experiencing financial hardship, call <a href=\"https:\/\/nomoredebts.org\">Credit Counselling Society<\/a> for free financial counselling (Mon\u2013Fri, 8am\u20135pm at 1-888-527-8999). Also consider <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\" target=\"_blank\" rel=\"noopener\">payday loan alternatives<\/a>.<\/span>\r\n<\/div><h3 id=\"wagepay\">1. Wagepay<\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-1041233\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/WagepayHomepage_Finder_1009x344.png\" alt=\"Wagepay home page banner\" width=\"1009\" height=\"344\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/WagepayHomepage_Finder_1009x344.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/WagepayHomepage_Finder_1009x344.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/WagepayHomepage_Finder_1009x344.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/WagepayHomepage_Finder_1009x344.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/WagepayHomepage_Finder_1009x344.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/WagepayHomepage_Finder_1009x344.png?fit=3027 3027w\" sizes=\"(max-width: 3027px) 100vw, 3027px\" loading=\"lazy\"><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>Android, iOS and web apps available.<\/strong> Unlike other payday lenders, you can download the Wagepay app. Its apps have at least 4.0 stars, and it has over 5,000 downloads. You can also apply on its website.<\/li><li><b>24\/7. <\/b>You can get funded 24\/7 thanks to Wagepay\u2019s automated systems.<\/li><li><strong>No credit check.<\/strong> It\u2019s possible to get approved with fair or bad credit.<\/li><\/ul><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/payday-loans\/wagepay-wage-advance-ca-payday-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFSL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--large%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2225074%22%2C%22niche_code%22%3A%22CAFSL%22%2C%22product_id%22%3A%2266d4acc7-6b48-45f1-ac0e-8c14228c8549%22%2C%22product_name%22%3A%22Wagepay%2BWage%2BAdvance%2BLoan%22%2C%22provider_id%22%3A%22b4d07ae5-bf28-409a-a7cf-6388162213ca%22%2C%22provider_name%22%3A%22Wagepay%22%2C%22post_id%22%3A%22737064%22%2C%22post_path%22%3A%22payday-loans%252Fbest-payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--large has-margin-bottom-small\">Go to site<\/a><\/p><\/div><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\">About Wagepay<\/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><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/wagepay-review\">Wagepay<\/a> is a new licensed payday lender that launched in Australia in 2020 and in Canada in 2023. Although it currently only offers quick 24\/7 payday loans at industry-standard rates, it has plans to introduce tiered pricing and a loyalty program to complement its payday loan offerings.<\/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\">Loan details<\/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\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $100 \u2013 $1,500<\/li><li><strong>Loan term:<\/strong> Up to 62 days<\/li><li><strong>Interest rate:<\/strong> $14 per $100 borrowed<\/li><li><strong>Eligibility requirements:<\/strong> Min. $1,600 monthly income.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Incomes it accepts (besides employment):<\/strong> Wagepay only accepts employment income.<\/li><li><strong>Serviced provinces:<\/strong> BC and ON<\/li><li><strong>Licensed:<\/strong> Yes<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Instant 24\/7 loans via e-Transfer<\/li><li>No credit check<\/li><li>iOS, Android and web apps available<\/li><li>Easy application<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Very high interest rate<\/li><li>Not as established in Canada as other lenders<\/li><li>Doesn\u2019t accept benefits such as welfare, disability income and CCB<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What customers say about Wagepay<\/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=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Wagepay has generally positive reviews, with users praising its fast service, easy application process and responsive customer support. On the flip side, some users reported issues with bank integration, delays in receiving money and inconsistent approval decisions. Overall, the sentiment is favourable, with some comments about technical and communication issues.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>4.6\/5 stars based on 310 reviews<\/td><\/tr><tr><td>Android app<\/td><td>4.0\/5 stars based on 228 reviews<\/td><\/tr><tr><td>Trustpilot<\/td><td>3.6\/5 stars based on 130 reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 4, 2026<\/small><\/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=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Download the app or apply on its website. Create an account and verify it with your email. Connect your bank account via instant bank verification. The entire process should take less than five minutes.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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\/apps-like-wagepay\" style=\"text-decoration:underline; font-size:0.9em;\">Apps like Wagepay in Canada<\/a>\n<\/div>\n<\/article><h3 id=\"koho\">2. KOHO<\/h3><p><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/KOHOBanner_Supplied_1474x432.png\"><img decoding=\"async\" class=\"alignnone wp-image-1035035 size-full\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/KOHOBanner_Supplied_1474x432.png\" alt=\"Koho banner\" width=\"1474\" height=\"432\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/KOHOBanner_Supplied_1474x432.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/KOHOBanner_Supplied_1474x432.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/KOHOBanner_Supplied_1474x432.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/KOHOBanner_Supplied_1474x432.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/KOHOBanner_Supplied_1474x432.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/KOHOBanner_Supplied_1474x432.png?fit=4422 4422w\" sizes=\"(max-width: 4422px) 100vw, 4422px\" loading=\"lazy\"><\/a><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>No credit checks.<\/strong> You don\u2019t need to pass a credit check to qualify for KOHO Cover, so bad credit won\u2019t stop you from getting a cash advance.<\/li><li><strong>Instant funding 24\/7.<\/strong> You can apply and access the funds you need through the KOHO app instantly.<\/li><li><strong>0% interest.<\/strong> You don\u2019t need to pay any interest on the money you borrow.<\/li><\/ul><div class=\"rewards-banner-container\n   rewards--container   \" data-campaign-name=\"koho|cover|may-2026~cafsl\" data-end-soon-date=\"2026-06-24T03:59:59.000Z\" data-niche=\"CAFPL-CAA\" data-rewards-component=\"banner\">\n  <div class=\"rewards-banner\">\n    <div class=\"rewards-banner__top\">\n      <div class=\"rewards-banner__badge\">\n        FINDER REWARDS EXCLUSIVE\n      <\/div>\n    <\/div>\n    <div class=\"rewards-banner__content\">\n      <div class=\"rewards-banner__logo-and-share\">\n                  <div class=\"rewards-banner__logo-wrapper\">\n            <img decoding=\"async\" src=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-logo-koho\" class=\"rewards-banner__logo\" alt=\"KOHO logo\" loading=\"lazy\">\n          <\/div>\n        \n        <button class=\"rewards-banner__share-btn rewards-banner__share-btn--mobile\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-may-2026-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n      <div class=\"rewards-banner__main-content\">\n        <div class=\"rewards-banner__text-content\">\n          <div class=\"rewards-banner__badges\">\n                                    <div class=\"rewards-banner__ends-soon\">\n              <svg class=\"luna-icon rewards-banner__ends-soon-icon\" style=\"--fill: var(--color-foreground-main)\">\n                <use href=\"#lightning\"><\/use>\n              <\/svg>\n              ENDS SOON\n            <\/div>\n                      <\/div>\n          <div class=\"rewards-banner__title-and-copy\">\n            <div class=\"rewards-banner__title\">\n                              Get <span class=\"rewards-banner__title-highlight\">$75<\/span> from Finder\n                          <\/div>\n            <div class=\"rewards-banner__copy\">\n        <span class=\"rewards-banner__copy-text\">\n          Become a Finder Member &amp; open and fund a <b>KOHO account<\/b> through Finder to receive a <b>$75 digital Visa card<\/b>. Offer ends June 30, 2026.\n        <\/span>\n              <a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-koho-promotion-terms-and-conditions-may-2026\" class=\"rewards-banner__terms-link\" target=\"_blank\" rel=\"noopener noreferrer\">\n                Separate T&amp;Cs apply.\n              <\/a>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"rewards-banner__cta-wrapper\">\n                              <link rel=\"preload\" href=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-logo-koho\" as=\"image\" type=\"image\/svg+xml\">\n     <script>window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"koho|cover|may-2026~cafsl\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-07-01T03:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $75 from Finder\",\"titleHighlight\":\"$75\",\"copyText\":\"Become a Finder Member \\u0026 open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E through Finder to receive a \\u003Cb\\u003E$75 digital Visa card\\u003C\\\/b\\u003E. 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Your details must match your new Koho account\",\"continueText\":\"GET $75 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO KOHO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs 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-may-2026-promotion\",\"validationDate\":\"2026-07-31T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-15T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script>\n          <a type=\"button\" class=\"rewards-banner__cta rewards--cta rewards--element-container\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-product-name=\"KOHO Cover\" data-offer-id=\"24890\" data-provider-name=\"KOHO\" data-provider-id=\"e32c50f7-c28d-4e2e-b914-e27d6a80ac43\" data-rewards-campaign-name=\"koho|cover|may-2026~cafsl\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca\">\n            GET DEAL\n          <\/a>\n                <button class=\"rewards-banner__share-btn rewards-banner__share-btn--desktop\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-may-2026-promotion\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><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=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">About KOHO<\/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=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Founded in 2014, KOHO offers a spending and savings account linked to a prepaid Mastercard. KOHO customers also have the option to sign up for KOHO Cover, a subscription feature that allows you to access interest-free cash advances of up to $250. You can sign up for Cover in the KOHO app in a matter of minutes, and you also have the flexibility to repay your advance at any time.<\/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=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> Up to $250<\/li><li><strong>Loan term:<\/strong> Flexible<\/li><li><strong>Interest rate:<\/strong> 0%<span class=\"table-popover\" rel=\"popover\" data-content=\"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> + monthly fee from $2<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Eligibility requirements:<\/strong> Canadian citizen or permanent resident, age of majority.<\/li><li><strong>Incomes it accepts (besides employment):<\/strong> Any recurring income paid into your bank account.<\/li><li><strong>Serviced provinces:<\/strong> All provinces and territories<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Bad credit is OK<\/li><li>Fast access to funds<\/li><li>No income requirement to qualify for funding<\/li><li>No interest charges<\/li><li>Flexible repayments<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Maximum advance amount of $250 may not be enough<\/li><li>Monthly subscription fee applies<\/li><li>You may also need to pay a monthly KOHO plan fee (waivable)<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">What customers say about KOHO<\/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=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>User reviews for the KOHO app are generally quite positive across the App Store and Google Play. Feedback is more mixed on Trustpilot, where happy customers praise the user-friendly app and helpful customer service, but negative reviews mention disappointing customer service.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>4.8\/5 stars based on 82,000+ reviews<\/td><\/tr><tr><td>Android app<\/td><td>4.3\/5 stars based on 71,000+ reviews<\/td><\/tr><tr><td>Trustpilot<\/td><td>3.3\/5 stars based on 648 reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026<\/small><\/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=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Sign up online or through the KOHO app by providing your name, date of birth, address and contact details. You\u2019ll also need to verify your ID, which you can do by providing photo ID or connecting your bank account. The signup process takes five minutes.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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\/cash-advance-apps\/koho-signup-bonus\" style=\"text-decoration:underline; font-size:0.9em;\">Is there a KOHO sign-up bonus?<\/a>\n<\/div>\n<\/article><h3 id=\"nyble\">3. Nyble<\/h3><p><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2023\/06\/NybleBannerWhiteandPurple_Finder_1871x525.png\"><img decoding=\"async\" class=\"alignnone wp-image-1019275 size-full\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/06\/NybleBannerWhiteandPurple_Finder_1871x525.png\" alt=\"Nyble banner\" width=\"1871\" height=\"525\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/06\/NybleBannerWhiteandPurple_Finder_1871x525.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/06\/NybleBannerWhiteandPurple_Finder_1871x525.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/06\/NybleBannerWhiteandPurple_Finder_1871x525.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/06\/NybleBannerWhiteandPurple_Finder_1871x525.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/06\/NybleBannerWhiteandPurple_Finder_1871x525.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/06\/NybleBannerWhiteandPurple_Finder_1871x525.png?fit=5613 5613w\" sizes=\"(max-width: 5613px) 100vw, 5613px\" loading=\"lazy\"><\/a><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>No interest charges.<\/strong> Nyble credit lines are interest-free, so they\u2019re an affordable alternative to payday loans.<\/li><li><strong>Instant funding available.<\/strong> If you need money fast, you can get instant funding (for a fee).<\/li><li><strong>Improve your credit score.<\/strong> Nyble reports your payment history to the credit bureau, so making on-time payments could help you build credit.<\/li><\/ul><p style=\"text-align: center;\"><a 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%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--large%2Bhas-margin-bottom-small%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%22provider_id%22%3A%22ebeeeb79-83ef-4800-894b-85bc38778e7c%22%2C%22provider_name%22%3A%22Nyble%22%2C%22post_id%22%3A%22737064%22%2C%22post_path%22%3A%22payday-loans%252Fbest-payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--large has-margin-bottom-small\">Go to site<\/a><\/p><\/div><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=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">About Nyble<\/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=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Launched in 2022, Toronto-based Nyble offers interest-free lines of credit of up to $250. The aim? Help Canadians improve their credit score by reporting their on-time payments to the credit bureau. There\u2019s no credit check required to qualify, and you can get instant access to funds if you\u2019re willing to pay a monthly subscription fee.<\/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=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> Up to $250<\/li><li><strong>Loan term:<\/strong> 31 days, extendable<\/li><li><strong>Interest rate:<\/strong> 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><\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Eligibility requirements:<\/strong> Active bank account, meet income requirements, minimal NSF transactions on your account.<\/li><li><strong>Incomes it accepts (besides employment):<\/strong> Any steady income paid into your bank account.<\/li><li><strong>Serviced provinces:<\/strong> All provinces and territories<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Could help improve your credit score<\/li><li>No interest charges<\/li><li>No late fees<\/li><li>Plenty of positive customer reviews<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Late payments could hurt your score<\/li><li>Maximum amount of $250<\/li><li>$11.99 monthly fee for instant funding<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000013\" data-toggle=\"collapse\" data-target=\"#accordion0000000013\">\n        <span class=\"luna-accordion__title\">What customers say about Nyble<\/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=\"accordion0000000013\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Customer feedback for Nyble is mostly positive. Five-star reviews mention factors such as the quick and easy application process as well as the convenience of instant funding. Negative reviewers mention issues such as the monthly subscription fee for instant funding and problems linking their bank accounts.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>4.8\/5 stars based on 2,700+ reviews<\/td><\/tr><tr><td>Android app<\/td><td>4.8\/5 stars based on 1,000+ reviews<\/td><\/tr><tr><td>Trustpilot<\/td><td>4.8\/5 stars based on 8,600+ Trustpilot reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026<\/small><\/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=\"accordion0000000014\" data-toggle=\"collapse\" data-target=\"#accordion0000000014\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000014\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can sign up for a Nyble credit line through the Nyble app or online. You\u2019ll need to provide your personal information, contact details, bank account details and proof of ID. It takes about five minutes to apply.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3 id=\"bree\">4. Bree<\/h3><p><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/BreeBanner_Supplied_1769x631.jpg\"><img decoding=\"async\" class=\"alignnone wp-image-999652 size-full\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/BreeBanner_Supplied_1769x631.jpg\" alt=\"Bree banner\" width=\"1769\" height=\"631\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/BreeBanner_Supplied_1769x631.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/BreeBanner_Supplied_1769x631.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/BreeBanner_Supplied_1769x631.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/BreeBanner_Supplied_1769x631.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/BreeBanner_Supplied_1769x631.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/11\/BreeBanner_Supplied_1769x631.jpg?fit=5307 5307w\" sizes=\"(max-width: 5307px) 100vw, 5307px\" loading=\"lazy\"><\/a><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>No credit checks.<\/strong> You don\u2019t need to pass a credit check to qualify for a Bree cash advance.<\/li><li><strong>No interest.<\/strong> You don\u2019t need to pay any interest on the money you borrow.<\/li><li><strong>No mandatory fees.<\/strong> If you don\u2019t mind waiting up to three business days to get funded, you can get a cash advance fee-free.<\/li><\/ul><p style=\"text-align: center;\"><a 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%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--large%2Bhas-margin-bottom-small%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%22provider_id%22%3A%224e4ab891-7bbb-4486-ab5c-34b55900e6c3%22%2C%22provider_name%22%3A%22Bree%22%2C%22post_id%22%3A%22737064%22%2C%22post_path%22%3A%22payday-loans%252Fbest-payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--large has-margin-bottom-small\">Go to site<\/a><\/p><\/div><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=\"accordion0000000015\" data-toggle=\"collapse\" data-target=\"#accordion0000000015\">\n        <span class=\"luna-accordion__title\">About Bree<\/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=\"accordion0000000015\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Canadian fintech Bree, founded in 2021, offers cash advances of up to $750. Designed to help you avoid bank account overdraft fees, these advances are completely interest-free. Standard funding takes up to three business days, but you can get instant funding if you\u2019re willing to pay a fee.<\/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=\"accordion0000000016\" data-toggle=\"collapse\" data-target=\"#accordion0000000016\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000016\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $20 \u2013 $750<\/li><li><strong>Loan term:<\/strong> Next pay cycle (90 days max)<\/li><li><strong>Interest rate:<\/strong> 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><\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Eligibility requirements:<\/strong> Active chequing account, recurring income, minimum of 2 consecutive paycheques deposited into your account.<\/li><li><strong>Incomes it accepts (besides employment):<\/strong> Any recurring income paid into your bank account.<\/li><li><strong>Serviced provinces:<\/strong> All provinces and territories<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000017\" data-toggle=\"collapse\" data-target=\"#accordion0000000017\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000017\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Bad credit is OK<\/li><li>Wide range of income types accepted<\/li><li>No interest charges or late fees<\/li><li>Get an instant decision<\/li><li>Lots of positive customer reviews<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>$2.99 \u2013 $45.99 fee for instant funding<\/li><li>Monthly subscription fee for fast funding<\/li><li>Smaller amount than a payday loan<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000018\" data-toggle=\"collapse\" data-target=\"#accordion0000000018\">\n        <span class=\"luna-accordion__title\">What customers say about Bree<\/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=\"accordion0000000018\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Bree has received plenty of positive customer feedback. Many reviewers report that Bree offers a simple application process and a fast and easy service. However, some complain about the optional subscription fee and a lack of support for accounts from some banks.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>4.9\/5 stars based on 7,100+ reviews<\/td><\/tr><tr><td>Android app<\/td><td>4.8\/5 stars based on 5,600+ reviews<\/td><\/tr><tr><td>Trustpilot<\/td><td>4.8\/5 based on 7,300+ Trustpilot reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026<\/small><\/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=\"accordion0000000019\" data-toggle=\"collapse\" data-target=\"#accordion0000000019\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000019\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can sign up for Bree by providing your name, contact details and personal information. You will also need to connect your bank account. It only takes around five minutes to apply.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3 id=\"icash\">5. iCash<\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-1024323\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/iCash-Banner-Updated-2_Supplied.jpg\" alt=\"iCash home page banner\" width=\"1800\" height=\"561\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/iCash-Banner-Updated-2_Supplied.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/iCash-Banner-Updated-2_Supplied.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/iCash-Banner-Updated-2_Supplied.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/iCash-Banner-Updated-2_Supplied.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/iCash-Banner-Updated-2_Supplied.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/iCash-Banner-Updated-2_Supplied.jpg?fit=5400 5400w\" sizes=\"(max-width: 5400px) 100vw, 5400px\" loading=\"lazy\"><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>Fast loans. <\/strong>Get instant approval and funding 24\/7, and if you need assistance outside of standard business hours, iCash reps are available so you can still get your loan ASAP.<\/li><li><strong>Lenient.<\/strong> iCash accepts many types of income, such as EI, child tax, ODSP, AISH, provincial disability, CPP, OAS and social assistance. Bad credit is also okay.<\/li><li><strong>Highly rated apps. <\/strong>iCash\u2019s apps have at least 4.7 stars with over 500,000 downloads. You can also easily apply on its website.<\/li><\/ul><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/payday-loans\/icash-ca-payday-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFSL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--large%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2218691%22%2C%22niche_code%22%3A%22CAFSL%22%2C%22product_id%22%3A%22a7a72c04-1457-4a88-9c8c-39ec48a66f0e%22%2C%22product_name%22%3A%22iCash%2BPayday%2BLoan%22%2C%22provider_id%22%3A%22b72326b8-640c-4a4e-909c-27101362afed%22%2C%22provider_name%22%3A%22iCash%22%2C%22post_id%22%3A%22737064%22%2C%22post_path%22%3A%22payday-loans%252Fbest-payday-loans%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--large has-margin-bottom-small\">Go to site<\/a><\/p><\/div><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=\"accordion0000000020\" data-toggle=\"collapse\" data-target=\"#accordion0000000020\">\n        <span class=\"luna-accordion__title\">About iCash<\/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=\"accordion0000000020\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Headquartered in Hawkesbury, Ontario, iCash has provided payday loans to more than one million customers across Canada since 2014. It is one of the most popular online payday lenders.<\/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=\"accordion0000000021\" data-toggle=\"collapse\" data-target=\"#accordion0000000021\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000021\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $100 \u2013 $1,500<\/li><li><strong>Loan term:<\/strong> 7 - 62 days<\/li><li><strong>Interest rate:<\/strong> $14 per $100 borrowed<\/li><li><strong>Eligibility requirements:<\/strong> Min. $800 monthly income.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Incomes it accepts (besides employment):<\/strong> Many types, including EI, child tax, ODSP, AISH, provincial disability, CPP, OAS and social assistance<\/li><li><strong>Serviced provinces:<\/strong> AB, BC, MB, NB, NS, ON, PEI<\/li><li><strong>Licensed:<\/strong> Yes<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000022\" data-toggle=\"collapse\" data-target=\"#accordion0000000022\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000022\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>E-Transfers in as little as 2 minutes<\/li><li>iCash offers payday loans online 24\/7<\/li><li>Instant approval up to $1,500<\/li><li>Earn up to 12% cashback for every loan you repay on time<\/li><li>Free highly rated mobile app<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Very high interest rate<\/li><li>Customers indicate it can be difficult to reach the company by email or phone<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000023\" data-toggle=\"collapse\" data-target=\"#accordion0000000023\">\n        <span class=\"luna-accordion__title\">What customers say about iCash<\/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=\"accordion0000000023\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Many customers agree that the service is quick, convenient and reliable. Some customers are frustrated by the lack of customer service and slower turnaround, especially when trying to reach a real person over the phone or by email. iCash has the following ratings on popular review sites at the time of writing:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>4.8\/5 stars based on 23,000+ reviews<\/td><\/tr><tr><td>Android app<\/td><td>4.8\/5 stars based on 23,000+ reviews<\/td><\/tr><tr><td>Trustpilot<\/td><td>4.7\/5 stars based on 3,000+ reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026<\/small><\/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=\"accordion0000000024\" data-toggle=\"collapse\" data-target=\"#accordion0000000024\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000024\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Create an account online. Provide your personal and financial details, then verify your income and identity via <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bank-verification-loans\">instant bank verification<\/a>. The process is paperless; you won\u2019t need to send any documents to apply for an iCash payday loan online. This lender will do a credit check.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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\/icash-payday-loans-review\" style=\"text-decoration:underline; font-size:0.9em;\">iCash review<\/a>\n<\/div>\n<\/article><h3 id=\"cashco\">6. Cashco Financial<\/h3><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-1045757\" title=\"Image: Cashco Financial\/Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/11\/Cashco-homepage-banner.jpg\" alt=\"Cashco Financial homepage banner\" width=\"1879\" height=\"445\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/11\/Cashco-homepage-banner.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/11\/Cashco-homepage-banner.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/11\/Cashco-homepage-banner.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/11\/Cashco-homepage-banner.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/11\/Cashco-homepage-banner.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/11\/Cashco-homepage-banner.jpg?fit=5637 5637w\" sizes=\"(max-width: 5637px) 100vw, 5637px\" loading=\"lazy\"><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>No credit check. <\/strong>Unlike some payday lenders, Cashco doesn\u2019t do any credit checks for its payday loans, so you can get approved with bad credit.<\/li><li><strong>Non-employment incomes are accepted. <\/strong>Cashco accepts a wide range of incomes compared to other payday lenders. If you\u2019re receiving government benefits, you can apply.<\/li><li><strong>Instant. <\/strong>Get a decision within minutes of applying online, and receive your money quickly via e-Transfer.<\/li><\/ul><\/div><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=\"accordion0000000025\" data-toggle=\"collapse\" data-target=\"#accordion0000000025\">\n        <span class=\"luna-accordion__title\">About Cashco<\/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=\"accordion0000000025\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Cashco Financial is an Edmonton-based lender with decades of experience lending to borrowers who may not qualify with banks. It originally provided installment loans only, but in 2024, it entered the payday loan space.<\/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=\"accordion0000000026\" data-toggle=\"collapse\" data-target=\"#accordion0000000026\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000026\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $50 \u2013 $1,500<\/li><li><strong>Loan term:<\/strong> Up to 62 days<\/li><li><strong>Interest rate:<\/strong> $14 per $100 borrowed<span class=\"table-popover\" rel=\"popover\" data-content=\"The total cost of borrowing is expressed per $100 borrowed. In provinces with payday lending regulations, the Criminal Interest Rate Regulations limit the cost of borrowing to $14 per $100 borrowed. Lenders may also charge a one-time fee of up to $20 for dishonoured payment instruments.\" title=\"\" data-original-title=\"\"><\/span><\/li><li><strong>Eligibility requirements:<\/strong> Steady source of income<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Incomes it accepts:<\/strong> Many types, such as employment, government disability, private disability, private pension, CPP, OAS, CCB, workers' compensation<\/li><li><strong>Serviced provinces:<\/strong> AB, BC and SK<\/li><li><strong>Licensed:<\/strong> Yes<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000027\" data-toggle=\"collapse\" data-target=\"#accordion0000000027\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000027\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Established lender<\/li><li>Instant approval<\/li><li>Fast funding by e-Transfer<\/li><li>No early payment penalties<\/li><li>Apply online, over the phone or in-store at one of Cashco\u2019s branches<\/li><li>Offers other services, such as cheque cashing, income tax preparation and money transfer services (via Western Union)<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>High cost of borrowing<\/li><li>Short repayment term<\/li><li>Not available in all provinces<\/li><li>Online application is not as seamless as other payday lenders\u2019<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000028\" data-toggle=\"collapse\" data-target=\"#accordion0000000028\">\n        <span class=\"luna-accordion__title\">What customers say about Cashco<\/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=\"accordion0000000028\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Past Cashco customers have complained about high interest rates, but there are also many positive reviews about its quick process and friendly service.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>N\/A, no iOS app<\/td><\/tr><tr><td>Android app<\/td><td>N\/A, no Android app<\/td><\/tr><tr><td>Trustpilot<\/td><td>4.2\/5 stars based on 1,400+ reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026.<\/small><\/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=\"accordion0000000029\" data-toggle=\"collapse\" data-target=\"#accordion0000000029\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000029\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Fill out an application by providing your name, contact details and employment information. You may need to upload a photo of yourself. Get an instant decision, sign your contract and receive your money.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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\/cashco-payday-loans-review\" style=\"text-decoration:underline; font-size:0.9em;\">Cashco payday loans review<\/a>\n<\/div>\n<\/article><h3 id=\"goday\">7. GoDay<\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-998694\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/GoDayBanner_Supplied_1200x332.jpg\" alt=\"GoDay home page banner\" width=\"1200\" height=\"332\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/GoDayBanner_Supplied_1200x332.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/GoDayBanner_Supplied_1200x332.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/GoDayBanner_Supplied_1200x332.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/GoDayBanner_Supplied_1200x332.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/GoDayBanner_Supplied_1200x332.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/GoDayBanner_Supplied_1200x332.jpg?fit=3600 3600w\" sizes=\"(max-width: 3600px) 100vw, 3600px\" loading=\"lazy\"><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>Fast approval and funding. <\/strong>Get an instant decision and e-Transfer funding in as little as 2 minutes.<\/li><li><strong>Low income is okay.<\/strong> As long as your income is recurring, GoDay is open to approving you.<\/li><li><strong>Fair or bad credit scores are okay. <\/strong>It\u2019s possible to get approved if your credit score is under 660.<\/li><\/ul><p style=\"text-align: center;\"><\/p><\/div><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=\"accordion0000000030\" data-toggle=\"collapse\" data-target=\"#accordion0000000030\">\n        <span class=\"luna-accordion__title\">About GoDay<\/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=\"accordion0000000030\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>GoDay is a BBB-accredited payday lender with over 10 years of experience lending to subprime borrowers. It is based in Toronto, Ontario. Like many other payday lenders, it operates online only and offers a quick, paperless process.<\/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=\"accordion0000000031\" data-toggle=\"collapse\" data-target=\"#accordion0000000031\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000031\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $100 \u2013 $1,500<\/li><li><strong>Loan term:<\/strong> Up to 62 days<\/li><li><strong>Interest rate:<\/strong> $14 per $100 borrowed<\/li><li><strong>Eligibility requirements:<\/strong> Steady source of income<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Incomes it accepts (besides employment):<\/strong> CCB, disability tax credit, OAS, CPP and private pensions<\/li><li><strong>Serviced provinces:<\/strong> AB, BC, MB, NB, NS, ON, PEI, SK<\/li><li><strong>Licensed:<\/strong> Yes<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000032\" data-toggle=\"collapse\" data-target=\"#accordion0000000032\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000032\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>24\/7 online application<\/li><li>Instant decisions<\/li><li>Several payment methods (e-Transfer and direct deposit)<\/li><li>Accepts government assistance as income (but not all of them)<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Very high interest rate<\/li><li>Short repayment term<\/li><li>Must have a bank account enabled with direct deposit<\/li><li>No in-person service<\/li><li>First-time borrowers may get a lower amount of funding<\/li><li>You may not qualify if your income is social assistance<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000033\" data-toggle=\"collapse\" data-target=\"#accordion0000000033\">\n        <span class=\"luna-accordion__title\">What customers say about GoDay<\/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=\"accordion0000000033\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Customers indicate the process to apply and qualify is fast and secure, with solid customer service. Some complain that there are delays in processing when you re-apply for a second loan and that the amounts you can qualify for as a first-time customer are very low. GoDay has the following ratings on popular review sites at the time of writing:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>N\/A, no iOS app<\/td><\/tr><tr><td>Android app<\/td><td>N\/A, no Android app<\/td><\/tr><tr><td>Trustpilot<\/td><td>4.4\/5 stars based on 3,700+ reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026.<\/small><\/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=\"accordion0000000034\" data-toggle=\"collapse\" data-target=\"#accordion0000000034\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000034\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Provide your personal information online, including your SIN, income and payroll details. You\u2019ll also need to provide your banking details (institution ID, transit number and account number). The GoDay online payday loan application is paperless, letting you verify your income and identity via bank account verification. This lender may do a credit check.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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\/goday-review\" style=\"text-decoration:underline; font-size:0.9em;\">GoDay review<\/a>\n<\/div>\n<\/article><h3 id=\"moneymart\">8. Money Mart<\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-998732\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/MoneyMartBanner_Supplied_1345x448.jpg\" alt=\"Money Mart home page banner\" width=\"1345\" height=\"448\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/MoneyMartBanner_Supplied_1345x448.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/MoneyMartBanner_Supplied_1345x448.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/MoneyMartBanner_Supplied_1345x448.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/MoneyMartBanner_Supplied_1345x448.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/MoneyMartBanner_Supplied_1345x448.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/MoneyMartBanner_Supplied_1345x448.jpg?fit=4035 4035w\" sizes=\"(max-width: 4035px) 100vw, 4035px\" loading=\"lazy\"><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>Quick funding. <\/strong>You can get an instant decision as well as instant funding. Apply online or at one of its stores.<\/li><li><strong>Established lender.<\/strong> Money Mart is one of the largest and most popular payday lenders in Canada. It has hundreds of store locations across the country.<\/li><li><strong>Easy, flexible requirements.<\/strong> Money Mart offers no credit check payday loans, so you can apply with bad credit. Non-employment income is also eligible.<\/li><\/ul><p style=\"text-align: center;\"><\/p><\/div><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=\"accordion0000000035\" data-toggle=\"collapse\" data-target=\"#accordion0000000035\">\n        <span class=\"luna-accordion__title\">About Money Mart<\/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=\"accordion0000000035\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Money Mart offers in-person and online payday loans. It started offering financial services in Canada in 1982 and has expanded to include over 500 locations. Money Mart provides a range of financial services beyond payday loans, including installment loans, business loans, money transfers and prepaid credit cards.<\/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=\"accordion0000000036\" data-toggle=\"collapse\" data-target=\"#accordion0000000036\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000036\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $100 \u2013 $1,500<\/li><li><strong>Loan term:<\/strong> 1 - 62 days<\/li><li><strong>Interest rate:<\/strong> $14 per $100 borrowed<\/li><li><strong>Eligibility requirements:<\/strong> Steady source of income<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Incomes it accepts (besides employment):<\/strong> child tax credit, EI, disability and pensions<\/li><li><strong>Serviced provinces:<\/strong> AB, BC, NS, ON, SK and MB<br><\/li><li><strong>Licensed:<\/strong> Yes<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000037\" data-toggle=\"collapse\" data-target=\"#accordion0000000037\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000037\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Apply for Money Mart payday loans online with quick approval<\/li><li>Dozens of in-person locations<\/li><li>Get your funds in under 5 minutes<\/li><li>Secure service with bank-level encryption<\/li><li>Free app available<\/li><li>Operates a charitable giving program<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Very high interest rate<\/li><li>Short repayment term<\/li><li>Bank deposits take longer to process<\/li><li>Customers complain that applications are denied after \u201cinstant approval\u201d online<\/li><li>Not available in certain provinces<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000038\" data-toggle=\"collapse\" data-target=\"#accordion0000000038\">\n        <span class=\"luna-accordion__title\">What customers say about Money Mart<\/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=\"accordion0000000038\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Customers indicate the process to apply and qualify is simple and fast, with an easy-to-use mobile app. Some complain that signing the loan documents online is difficult and that the process to access funds is slower than anticipated. Money Mart has the following ratings on popular review sites at the time of writing:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>4.7\/5 stars based on 5,400+ reviews<\/td><\/tr><tr><td>Android app<\/td><td>3.6\/5 stars based on 1,000+ reviews<\/td><\/tr><tr><td>Trustpilot<\/td><td>4.7\/5 stars based on 6,300+ reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026.<\/small><\/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=\"accordion0000000039\" data-toggle=\"collapse\" data-target=\"#accordion0000000039\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000039\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you apply for this payday loan online, provide your personal information, then choose between Express (<a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bank-verification-loans\">instant bank verification)<\/a> and Standard review. The Express option is faster, as you won\u2019t need to email or upload any documents. If you choose Standard, you must send your documents to Money Mart. This lender does not do credit checks.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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\/money-mart\" style=\"text-decoration:underline; font-size:0.9em;\">Money Mart review<\/a>\n<\/div>\n<\/article><h3 id=\"loanexpress\">9. Loan Express<\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-998697\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/LoanExpressBanner_Supplied_1200x344.jpg\" alt=\"Loan Express home page banner\" width=\"1200\" height=\"344\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/LoanExpressBanner_Supplied_1200x344.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/LoanExpressBanner_Supplied_1200x344.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/LoanExpressBanner_Supplied_1200x344.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/LoanExpressBanner_Supplied_1200x344.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/LoanExpressBanner_Supplied_1200x344.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/LoanExpressBanner_Supplied_1200x344.jpg?fit=3600 3600w\" sizes=\"(max-width: 3600px) 100vw, 3600px\" loading=\"lazy\"><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>Instant bank verification (IBV) or manual review. <\/strong>Get your loan instantly with IBV. But if you prefer not to link your bank account, Loan Express offers the manual option where you email documents (which will take longer).<\/li><li><strong>No credit check.<\/strong> Loan Express is one of the payday lenders that doesn\u2019t do credit checks.<\/li><li><strong>Established lender. <\/strong>Loan Express has been around since 2005 and serves many provinces.<\/li><\/ul><p style=\"text-align: center;\"><\/p><\/div><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=\"accordion0000000040\" data-toggle=\"collapse\" data-target=\"#accordion0000000040\">\n        <span class=\"luna-accordion__title\">About Loan Express<\/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=\"accordion0000000040\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Loan Express has been offering online payday loans in Canada since 2005 and is one of the most well-known payday lenders, especially on the West Coast. It accepts applications 24\/7, so you can apply whenever you need funds.<\/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=\"accordion0000000041\" data-toggle=\"collapse\" data-target=\"#accordion0000000041\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000041\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $100 \u2013 $1,500<\/li><li><strong>Loan term:<\/strong> Up to 62 days<\/li><li><strong>Interest rate:<\/strong> $14 per $100 borrowed<\/li><li><strong>Eligibility requirements:<\/strong> Steady source of income<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Incomes it accepts (besides employment):<\/strong> Many types, including pension, disability, child tax credit and most other government benefits paid regularly<\/li><li><strong>Serviced provinces:<\/strong> ON, NB, NS, MB, SK, AB, BC, NL<\/li><li><strong>Licensed:<\/strong> Yes<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000042\" data-toggle=\"collapse\" data-target=\"#accordion0000000042\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000042\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Apply for Loan Express payday loans online with quick approval<\/li><li>Get your funds in under five minutes<\/li><li>Receive funds through bank transfer or e-Transfer<\/li><li>Accepts different forms of income<\/li><li>Secure service with bank-level encryption<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Very high interest rate<\/li><li>Short repayment term<\/li><li>You must have a bank account to qualify<\/li><li>Less flexible repayment terms<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000043\" data-toggle=\"collapse\" data-target=\"#accordion0000000043\">\n        <span class=\"luna-accordion__title\">What customers say about Loan Express<\/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=\"accordion0000000043\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Customers indicate that the service is fast, professional and easy to use. Some complain that the company is less flexible about offering solutions if you can\u2019t make your payments on time. Loan Express has the following ratings on popular review sites at the time of writing:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>N\/A, no iOS app<\/td><\/tr><tr><td>Android<\/td><td>N\/A, no Android app<\/td><\/tr><tr><td>Trustpilot<\/td><td>4.8 stars based on 9,000+ reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026.<\/small><\/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=\"accordion0000000044\" data-toggle=\"collapse\" data-target=\"#accordion0000000044\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000044\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Create an account online with Loan Express. Provide your personal information, including your SIN, reference and banking details. Verify your income and identity via bank account verification. This lender does not do credit checks.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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\/loan-express-payday-loan-review\" style=\"text-decoration:underline; font-size:0.9em;\">Loan Express review<\/a>\n<\/div>\n<\/article><h3 id=\"pay2day\">10. PAY2DAY<\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-998727\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/Pay2dayBanner_Supplied_1100x443.jpg\" alt=\"Pay2Day homepage banner\" width=\"1100\" height=\"443\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/Pay2dayBanner_Supplied_1100x443.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/Pay2dayBanner_Supplied_1100x443.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/Pay2dayBanner_Supplied_1100x443.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/Pay2dayBanner_Supplied_1100x443.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/Pay2dayBanner_Supplied_1100x443.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/10\/Pay2dayBanner_Supplied_1100x443.jpg?fit=3300 3300w\" sizes=\"(max-width: 3300px) 100vw, 3300px\" loading=\"lazy\"><\/p><div class=\"box\"><h4>Why it\u2019s one of the best<\/h4><ul class=\"list-1\"><li><strong>24\/7 instant loans. <\/strong>PAY2DAY\u2019s application decisions, funding and customer service are all 24\/7.<\/li><li><strong>No credit check.<\/strong> You won\u2019t have to worry about PAY2DAY fixating on your credit score in order to make a decision.<\/li><li><strong>Store locations available.<\/strong> If you prefer to apply in person, PAY2DAY has over 30 locations.<\/li><\/ul><p style=\"text-align: center;\"><\/p><\/div><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=\"accordion0000000045\" data-toggle=\"collapse\" data-target=\"#accordion0000000045\">\n        <span class=\"luna-accordion__title\">About PAY2DAY<\/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=\"accordion0000000045\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/pay2day-loans-review\">PAY2DAY<\/a> was founded in 2006 and provides cash in hand when visiting one of its stores in BC, Ontario and Nova Scotia. You can also apply online for a payday loan and get an e-Transfer to your bank account in an hour.<\/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=\"accordion0000000046\" data-toggle=\"collapse\" data-target=\"#accordion0000000046\">\n        <span class=\"luna-accordion__title\">Loan details<\/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=\"accordion0000000046\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Loan amount:<\/strong> $300 \u2013 $1,500<\/li><li><strong>Loan term:<\/strong> Up to 62 days<\/li><li><strong>Interest rate:<\/strong> $14 per $100 borrowed<\/li><li><strong>Eligibility requirements:<\/strong> Steady source of income<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><strong>Incomes it accepts (besides employment):<\/strong> EI, retirement income<\/li><li><strong>Serviced provinces:<\/strong> ON, BC, NS<\/li><li><strong>Licensed:<\/strong> Yes<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000047\" data-toggle=\"collapse\" data-target=\"#accordion0000000047\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/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=\"accordion0000000047\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Fast e-Transfer of funds<\/li><li>Apply entirely online for PAY2DAY loans<\/li><li>Refer-a-friend bonus<\/li><li>Over 30 in-person locations<\/li><li>Easy-to-use mobile app<\/li><li>Accepts government assistance as income<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Very high interest rate<\/li><li>Short repayment term<\/li><li>Not available in most provinces<\/li><\/ul><\/div><\/div><\/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=\"accordion0000000048\" data-toggle=\"collapse\" data-target=\"#accordion0000000048\">\n        <span class=\"luna-accordion__title\">What customers say about PAY2DAY<\/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=\"accordion0000000048\" data-accordion=\"details\">\n    <div class=\"accordionContent\">PAY2DAY customer reviews are largely positive. Happy customers mention factors such as helpful customer service, an easy application process and fast loan funding. Negative reviewers mention issues with verification codes when applying and poor customer support. Check the table below for PAY2DAY\u2019s review scores on a selection of popular platforms.<table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Platform<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Rating<\/th><\/tr><\/thead><tbody><tr><td>iOS app<\/td><td>3.7 stars based on 30+ reviews<\/td><\/tr><tr><td>Android app<\/td><td>N\/A, no Android app<\/td><\/tr><tr><td>Trustpilot<\/td><td>4.9 stars based on 7,000+ reviews<\/td><\/tr><\/tbody><\/table><p><small>Reviews are current as of February 8, 2026.<\/small><\/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=\"accordion0000000049\" data-toggle=\"collapse\" data-target=\"#accordion0000000049\">\n        <span class=\"luna-accordion__title\">How to apply online<\/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=\"accordion0000000049\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you apply for PAY2DAY payday loans online, you\u2019ll need to provide your personal details and agree to instant bank verification. This lender does not do credit checks. You can also apply in-store if you prefer.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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\/pay2day-loans-review\" style=\"text-decoration:underline; font-size:0.9em;\">PAY2DAY review<\/a>\n<\/div>\n<\/article><h3>Summary: Best payday loans and cash advances in Canada<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 20%; text-align: left;\" scope=\"col\"><strong>Lender<\/strong><\/th><th style=\"width: 20%; text-align: left;\" scope=\"col\"><strong>Instant<\/strong><\/th><th style=\"width: 20%; text-align: left;\" scope=\"col\"><strong>Credit check<\/strong><\/th><th style=\"width: 20%; text-align: left;\" scope=\"col\"><strong>Easy online process<\/strong><\/th><th style=\"width: 20%; text-align: left;\" scope=\"col\"><strong>e-Transfer funding<\/strong><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"Lender\"><strong>Wagepay<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2a2f<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><tr><td data-title=\"Lender\"><strong>KOHO<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2a2f<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2a2f<\/td><\/tr><tr><td data-title=\"Lender\"><strong>Nyble<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2a2f<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><tr><td data-title=\"Lender\"><strong>Bree<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2a2f<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><tr><td data-title=\"Lender\"><strong>iCash<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2713<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><tr><td data-title=\"Lender\"><strong>Cashco Financial<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2a2f<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><tr><td data-title=\"Lender\"><strong>GoDay<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2713<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><tr><td data-title=\"Lender\"><strong>Money Mart<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2a2f<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><tr><td data-title=\"Lender\"><strong>Loan Express<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2a2f<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><tr><td data-title=\"Lender\"><strong>PAY2DAY<\/strong><\/td><td data-title=\"Instant\">\u2713<\/td><td data-title=\"Credit check\">\u2a2f<\/td><td data-title=\"Easy online process\">\u2713<\/td><td data-title=\"e-Transfer funding\">\u2713<\/td><\/tr><\/tbody><\/table><h3>How we selected the best payday loans and cash advance apps in Canada<\/h3><p>We\u2019ve chosen the products on this page based on cash advance apps and licensed payday lenders available through Finder and online in Canada. These loans are not representative of the entire market. When choosing the best payday loans and cash advance apps in Canada, we considered each lender\u2019s speed, availability, eligibility requirements, reputation, customer reviews, application process and funding options. No single payday loan or cash advance will be the best choice for everyone, so compare your options before applying.<\/p><h4>Speed and availability<\/h4><p>Payday loans and cash advance apps offer fast access to funds, sometimes in a matter of minutes.<\/p><p>Among payday loan lenders, the application and funding time can vary, sometimes significantly. Some online payday loan lenders use automated systems to give instant approval and funding, while some have staff operating 24\/7.<\/p><p>Cash advance apps also offer instant funding via e-Transfer, but usually for an additional fee. If you don\u2019t want to pay that fee, funding could take up to three business days.<\/p><p>We took these factors into account when choosing which lenders to include in this list.<\/p><h4>Eligibility requirements<\/h4><p>Payday loans and cash advances are typically easy to get, but lenders differ in their eligibility requirements. We highlight lenders that accept bad credit and multiple forms of income, such as government benefits, private pensions and self-employment income.<\/p><h4>Reputation and customer feedback<\/h4><p>The reputation of a lender matters. We prioritized lenders with a solid online presence. We also considered positive customer feedback by reviewing Trustpilot, Google and app store customer reviews and scores.<\/p><h4>Application process<\/h4><p>We prioritized lenders with an easy online application process. We considered how a customer could apply (whether online, over the phone or in-store).<\/p><h4>Customer support<\/h4><p>We considered how customers could contact each lender\u2019s customer support team. We also took into account the operating hours for both online and telephone customer support and store locations.<\/p><h4>Funding options<\/h4><p>We prioritized lenders that offered funding via Interac e-Transfer, as this provides funds in the fastest possible way to customers. Funding via direct deposit was considered a good perk.<\/p><h3>Payday loan vs cash advance: What\u2019s the difference?<\/h3><p>A payday loan is a short-term loan of up to $1,500. Lenders have lenient eligibility criteria, so it\u2019s often possible to get a loan even if you have bad credit. Instead of worrying about your credit score, they will check whether you have enough income to afford loan repayments. You can get approved and funded for a payday loan the same day, often in less than an hour, and loans typically have to be repaid on your next payday.<\/p><p>Cash advance apps give you early access to a portion of your next paycheque. They offer small cash advances of up to $750, and you won\u2019t pay any interest on the money you borrow. There are no credit checks either, with eligibility typically determined based on your income. However, you may have to pay an ongoing subscription fee or an extra fee if you want the money instantly.<\/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;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/cash-advance-apps-vs-payday-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Cash advance apps vs payday loans<\/a>\n<\/div>\n<\/article><h3>Payday loan vs cash advance: Which is better?<\/h3><p>The best loan option for you depends on your borrowing needs.<\/p><p>If you\u2019re searching for the <strong>cheapest option<\/strong>, a cash advance is usually the best choice. You\u2019ll pay 0% interest, there are no late fees to worry about, and some providers even allow you to get funded without paying any mandatory fees. They also tend to have more flexible repayment plans than payday loans.<\/p><p>Meanwhile, even the best payday loans in Canada are very expensive. They cost $14 for every $100 borrowed, which often results in extremely high APRs of over 300%.<\/p><p>But the one advantage of a payday loan over a cash advance is the <strong>larger loan amount<\/strong>. You can borrow up to $1,500 with a payday loan, whereas cash advance amounts are limited to $250 (KOHO and Nyble) or $750 (Bree). Just make sure you can afford to repay your loan on your next payday before applying.<\/p><h3>How to choose the best payday loans and cash advance apps in Canada for you<\/h3><p>To help you choose the right cash advance or online payday loan, ask yourself these questions:<\/p><h4>How much can I borrow?<\/h4><p>The maximum amount you can borrow with a payday loan is $1,500. Some provinces impose additional restrictions\u2014for example, the maximum amount you can borrow in Ontario is 50% of your net income. Lenders may have their own limits too, such as restricting first-time borrowers to lower amounts.<\/p><p>Cash advance apps have maximum amounts of $250 (KOHO and Nyble) or $750 (Bree). But the exact amount you can qualify for will depend on your financial situation.<\/p><h4>How much will it cost?<\/h4><p>Payday loans cost $14 for every $100 borrowed and have a very short repayment period. As a result, the APR of a payday loan is in the triple digits, making it the most expensive type of consumer loan in Canada.<\/p><p>Cash advance apps charge 0% interest. However, you may need to pay a monthly subscription fee, and in some cases another fee on top of that, if you want instant funding.<\/p><p>Don\u2019t forget to check whether the lender charges any late fees or NSF fees for missed payments.<\/p><h4>How long does it take to get the loan?<\/h4><p>Check how quickly you can apply, get approved and get the funds in your bank account. Many lenders offer paperless online applications, instant decisions and 24\/7 funding via e-Transfer, so it\u2019s possible to get your money in less than an hour.<\/p><h4>How long do I have to repay the loan?<\/h4><p>Payday loans usually have to be repaid on your next payday. Cash advances tend to have more flexible repayment schedules, so you may be able to extend your loan period.<\/p><h4>Am I eligible?<\/h4><p>Each lender has their own eligibility criteria you must meet to qualify for a loan. Bad credit is typically OK, but some lenders do conduct credit checks. You will also usually need to meet a minimum income requirement and have an active bank account to qualify for funding. Check whether the lender accepts employment income only, or whether it also accepts other types, such as self-employed income and government benefits.<\/p><h4>Is the lender trustworthy?<\/h4><p>Research the lender to make sure they\u2019re legit. How long have they been in business? Do they list an office address as well as phone and email contact information on their website? What do customer reviews say about the lender on sites like Google and Trustpilot?<\/p><p>In the case of payday loans, a lender must be licensed to offer payday loans in your province. Check with the consumer protection agency or licensing authority where you live to make sure a payday lender is legit.<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\/instant-loans-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Instant decision payday loans<\/a>\n<\/div>\n<\/article><\/p><h3>Why are payday loans in Canada so risky?<\/h3><p>Payday loans are risky because their high rates and short repayment terms can trap borrowers in a cycle of debt.<\/p><p>Before you apply, make sure you won\u2019t have any problems repaying your loan by the due date. Don\u2019t forget you\u2019ll also need enough income left over to pay essential expenses and other debts. If you don\u2019t have enough, you might need another payday loan\u2014and the cycle continues.<\/p><h3>Am I eligible for the best payday loans and cash advances in Canada?<\/h3><p>Eligibility requirements vary between lenders, but you can generally qualify for the best payday loans and cash advances if you meet the following criteria:<\/p><ul><li>You\u2019re of the age of majority in your province or territory.<\/li><li>You have a Canadian bank account.<\/li><li>You have a stable income.<\/li><li>You have no NSF transactions in your bank account in the last 60 days.<\/li><\/ul><h3>Are there no refusal payday loans in Canada?<\/h3><p>Be wary of lenders advertising no refusal payday loans because it could be a scam. Legit lenders will always review your personal financial situation before approving you. They need to assess whether you receive enough income to be able to afford your loan repayments.<\/p><p>That said, payday lenders and cash advance apps tend to have some of the most lenient eligibility criteria among lenders. So even if you have bad credit, you still have a chance of being approved.<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\/cash-advance-apps\/no-refusal-loans-canada\" style=\"text-decoration:underline; font-size:0.9em;\">No refusal loans in Canada<\/a>\n<\/div>\n<\/article><\/p><h3>How to apply for a payday loan or cash advance online<\/h3><p>When you\u2019re ready to apply, here\u2019s what you need to do:<\/p><ol><li><strong>Fill out an application.<\/strong> You can apply online or in some cases through a mobile app. You\u2019ll need to provide your personal information, contact details and employment information.<\/li><li><strong>Connect your bank account.<\/strong> Most lenders use <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bank-verification-loans\">instant bank verification (IBV)<\/a> to get electronic access to your bank statements. This allows them to quickly verify your income and identity.<\/li><li><strong>Get a decision.<\/strong> Many lenders offer instant decisions thanks to automated approval systems. Make sure you review all loan details and costs before proceeding with your application.<\/li><li><strong>Get funded.<\/strong> Most lenders can fund loans by e-Transfer, so you can get your money in a matter of minutes.<\/li><\/ol><h3>Bottom line<\/h3><p>The best payday loans in Canada give you quick access to cash online or in-store, but they are also extremely expensive. Cash advance apps provide a much more affordable alternative and have lenient eligibility criteria, but they offer small loans only. Before you apply, make sure to compare your borrowing options carefully and be certain that you can afford a loan.<\/p><h3>Frequently asked questions<\/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-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">I have bad credit and need an urgent loan. Is a payday loan my only option?<\/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-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. Instead of a payday loan, you could consider applying with a cash advance app. These providers offer interest-free cash advances with low or no fees, and you don't need to have strong credit to qualify for funding. While loan amounts are only small, a cash advance is a much more affordable option than a payday loan.<\/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-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Do cash advance apps have credit checks?<\/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-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. You typically won't need to pass a credit check to get a cash advance. Providers will instead check your bank account history to confirm that you receive enough recurring income to be able to afford to repay an advance.<\/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-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What is the best place to get a payday loan?<\/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-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The best place to get a payday loan is a licensed lender that abides by payday loan regulations, accepts the income(s) you have, provides instant approval and funding, and has received many positive reviews from customers. Examples include Wagepay, iCash, Cashco Financial, GoDay, Money Mart, Loan Express and PAY2DAY.<\/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-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">How long does it take to apply for an online payday loan or cash advance?<\/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>Applying for a payday loan or cash advance takes around 5 to 10 minutes. Some lenders also offer instant decisions and e-Transfer funding within minutes after you submit your contract. If you get your money by direct deposit instead, it may take a few hours the next day until you get your loan.<\/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\">When and how do I repay payday loans online?<\/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>Whether you apply for a payday loan online or in-store, you'll usually need to repay the payday loan with your next paycheque, but check the regulations of your province. For instance, the minimum loan term in Alberta is 42 days, and you must repay in at least two installments.<br>Most lenders require your bank account information to withdraw the repayment amount directly on the due date. If you apply in-store, you can provide a post-dated cheque at the time of application.<\/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\">Can I pay off my online 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-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. Check the regulations of your province because several provinces have regulations where the lender must allow you to pay your payday loan early without charging you any extra fees.<\/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-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">What happens if I'm denied a payday loan online?<\/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-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If you're denied a payday loan online, it's likely because you already have an active payday loan or you have a very bad credit history (for example, if you're in a current bankruptcy). You can try to apply with another lender, but if you get denied again, you may want to work on paying off your outstanding debts and building your credit with services such as credit counselling or a debt management program.<\/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-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">Is it possible to find cheap payday loans online?<\/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-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Unfortunately, no. There's no such thing as a cheap payday loan online or in-store.<br>Payday loans are high-cost loans because they are designed for high-risk borrowers who don't qualify for a loan from traditional lenders. Borrowers are considered at high risk of defaulting on a loan if they have poor credit, too many debts, low income or unstable employment.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000008\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000008\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><style>\n  \/* Modal Container *\/\n  .fenceModal {\n      justify-content: 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This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Best Payday Loans &amp; Cash Advances in Canada | Finder<\/title>\n<meta name=\"description\" content=\"The best payday loans and cash advances in Canada offer 24\/7 approval and instant funding. Compare rates, fees, eligibility criteria and how to apply.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Payday Loans &amp; Cash Advances in Canada (2026)\" \/>\n<meta property=\"og:description\" content=\"The best payday loans and cash advances in Canada offer 24\/7 approval and instant funding. Compare rates, fees, eligibility criteria and how to apply.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2018-05-14T03:06:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/needaloan_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tim Falk\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tim Falk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"31 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans\"},\"author\":{\"name\":\"Tim Falk\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464\"},\"headline\":\"Best Payday Loans &#038; Cash Advances in Canada (2026)\",\"datePublished\":\"2018-05-14T03:06:19+00:00\",\"dateModified\":\"2026-02-24T13:01:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans\"},\"wordCount\":9757,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/needaloan_Supplied_1800x1000.jpg\",\"articleSection\":[\"Payday Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Government of Canada: Payday Loans\",\"url\":\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/loans\/payday-loans.html\"},{\"@type\":\"CreativeWork\",\"name\":\"Consumer Protection BC: Payday loans\",\"url\":\"https:\/\/www.consumerprotectionbc.ca\/consumer-help\/consumer-information-payday-loans\/\"},{\"@type\":\"CreativeWork\",\"name\":\"Governement of Ontario: Payday loan: your rights\",\"url\":\"https:\/\/www.ontario.ca\/page\/payday-loan-your-rights\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans\",\"url\":\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans\",\"name\":\"10 Best Payday Loans & Cash Advances in Canada | Finder\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/payday-loans\/best-payday-loans#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/needaloan_Supplied_1800x1000.jpg\",\"datePublished\":\"2018-05-14T03:06:19+00:00\",\"dateModified\":\"2026-02-24T13:01:01+00:00\",\"description\":\"The best payday loans and cash advances in Canada offer 24\/7 approval and instant funding. 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