{"id":978594,"date":"2022-03-11T11:27:57","date_gmt":"2022-03-11T16:27:57","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=978594"},"modified":"2026-08-14T16:15:14","modified_gmt":"2026-08-14T20:15:14","slug":"loan-express-payday-loan-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/payday-loans\/loan-express-payday-loan-review","title":{"rendered":"Loan Express payday loan review: 24\/7 instant loans"},"content":{"rendered":"<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;\">Must read: <\/span><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/instant-loans-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Best instant loans<\/a>\n<\/div>\n<\/article><h3>What is Loan Express?<\/h3><p>Loan Express is one of the most popular payday lenders in Canada. It\u2019s been in business for over 15 years and is based in Mackenzie, BC. Apply online, get instant approval and get your funds within a few minutes via Interac e-Transfer.<\/p><h3>Is Loan Express legitimate?<\/h3><p>It is. Loan Express prominently displays its payday licences in each of the provinces and territories it operates in.<\/p><ul><li>AB licence # 327001<\/li><li>BC licence # 50028<\/li><li>MB licence # 39281 (expires 2026-Oct-18)<\/li><li>NB licence # 200001546 (expires 2027-Feb-18)<\/li><li>NL licence # 20-23-LO073-1<\/li><li>NS licence # 202645507 (expires 2027-Jul-31)<\/li><li>ON licence # 4716499 (expires 2027-Jul-15)<\/li><li>SK licence # 100056<\/li><\/ul><p>For full transparency, it also shows you the full cost of your payday loan as the first prompt during the application process. The company is verified on Trustpilot, with a 4.8-star average rating based on over 7,400 reviews. It has a customer support phone line and email.<\/p><h3>What we like about Loan Express payday loans<\/h3><ul class=\"list-1\"><li><strong>Quick 24\/7 online, paperless application.<\/strong> Loan Express is an online-only lender, so borrowers can apply wherever they have an internet connection, sign their contract electronically and receive their funds via e-Transfer or direct deposit.<\/li><li><strong>Instant loan. <\/strong>Loan Express\u2019s automated systems enable it to give instant approval and funding any time.<\/li><li><strong>Bank verification or manual review.<\/strong> Loan Express gives you a choice between bank verification and manual review to approve your loan. Bank verification is the faster option.<\/li><li><strong>No credit checks.<\/strong> If you\u2019re worried about affecting your credit score, Loan Express explicitly says it does not run a credit check during the application process.<\/li><li><strong>Use the funds for any purpose.<\/strong> Once you\u2019re approved for a loan, you have the freedom to use the money as you\u2019d like.<\/li><li><strong>Different types of income accepted.<\/strong> You can count income from CPP, private pensions, CCB or disability benefits towards your monthly income.<\/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\/payday-loans-with-government-benefits\" style=\"text-decoration:underline; font-size:0.9em;\">Payday loans using government benefits<\/a>\n<\/div>\n<\/article><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><strong>High interest rates.<\/strong> Payday loans come with steep APRs of over 300%. The borrowing fee is $14 for every $100 borrowed.<\/li><li><strong>Caps on how much you can borrow.<\/strong> First-timers can\u2019t apply for the maximum loan amount of $1,500. Instead, Loan Express says it will gradually increase loan amounts as you build trust with the lender.<\/li><li><strong>Not available in all of Canada.<\/strong> Loan Express is only available in ON, NB, NS, MB, SK, AB, BC, NL.<\/li><li><strong>Quick repayment terms.<\/strong> Watch out for repayment due dates that will crop up quickly\u2014as in, your next payday up to a maximum of 62 days.<\/li><li><strong>Must be employed for at least two months.<\/strong> If employment is your source of income, you must be employed for a minimum of two to four months, depending on your income type.<\/li><li><strong>Payday loan regulations.<\/strong> Payday loan regulations vary by province. Become familiar with the regulations in your province to protect yourself as a borrower. If you live in a territory, payday loans are regulated at the federal level.<\/li><li><strong>Staff hours are not 24\/7. <\/strong>Loan Express does not have staff operating 24\/7. If you apply outside of business hours and your application needs to be looked at by a staff member, you will not get instant approval.<\/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\/e-transfer-payday-loans\" style=\"text-decoration:underline; font-size:0.9em;\">E-Transfer payday loans in Canada<\/a>\n<\/div>\n<\/article><h3 id=\"alternatives\">Alternative: Cash advances<\/h3>\nCash advances can be much cheaper, with APRs as low as 0% and flexible repayment terms. 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gradientunits=\"userSpaceOnUse\"><stop offset=\".18\" stop-color=\"#ffd23b\"><\/stop><stop offset=\".24\" stop-color=\"#ffd835\"><\/stop><stop offset=\".29\" stop-color=\"#feda3d\"><\/stop><stop offset=\".36\" stop-color=\"#fee053\"><\/stop><stop offset=\".45\" stop-color=\"#feea77\"><\/stop><stop offset=\".55\" stop-color=\"#fdf7a9\"><\/stop><stop offset=\".6\" stop-color=\"#fdffc4\"><\/stop><stop offset=\".62\" stop-color=\"#fdf8ac\"><\/stop><stop offset=\".65\" stop-color=\"#fdee88\"><\/stop><stop offset=\".68\" stop-color=\"#fee669\"><\/stop><stop offset=\".71\" stop-color=\"#fee052\"><\/stop><stop offset=\".75\" stop-color=\"#fedb41\"><\/stop><stop offset=\".79\" stop-color=\"#fed838\"><\/stop><stop offset=\".84\" stop-color=\"#ffd835\"><\/stop><stop offset=\".9\" stop-color=\"#ffd23b\"><\/stop><\/lineargradient><clippath id=\"tpa-top-picks-0000000000\"><rect width=\"40\" height=\"25.225\" y=\"5.567\" fill=\"#fff\" rx=\"1.616\" transform=\"rotate(-8 0 5.567)\"><\/rect><\/clippath><\/defs><\/symbol><\/defs><\/svg>\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFPL-CAA\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-provider-id=\"e32c50f7-c28d-4e2e-b914-e27d6a80ac43\" data-product-name=\"KOHO Cover\" data-provider-name=\"KOHO\" data-rewards-campaign-name=\"koho|cover|sep-2026~cafpl\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Instant Transfers<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\" class=\"topPicks__productName\">KOHO Cover<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" class=\"topPicks__image\" alt=\"KOHO logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/finder-x-koho-cover-promotion\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$75<\/text><\/svg><span>$75 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" 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&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%22f256ae15-efed-4744-b404-5007adc7d719%22%2C%22product_name%22%3A%22KOHO%2BCover%22%2C%22provider_id%22%3A%22e32c50f7-c28d-4e2e-b914-e27d6a80ac43%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2224890%22%2C%22post_id%22%3A%22978594%22%2C%22post_path%22%3A%22payday-loans%252Floan-express-payday-loan-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-koho-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest is charged to access a cash advance, however a fee is charged monthly (from as little as $2.00\/month). Interest rates displayed are Annual Percentage Rates (APRs) and are provided by our lending partners or obtained on the brand's website. The rates are not guaranteed and should be used for general information purposes only. Interest rates will depend on your location, the lender\u2019s assessment of your credit profile and other circumstances. All loan applications are subject to the lender\u2019s credit criteria, approval and terms and conditions.\" title=\"\" data-original-title=\"\"><\/span> + monthly fee from $2<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $20 \u2013 $500<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Flexible terms<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">High Maximum Limit<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/bree-review\" class=\"topPicks__productName\">Bree Early Pay<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" class=\"topPicks__image\" alt=\"Bree logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" 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%22top_picks%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%22position%22%3A%222%22%2C%22offer_id%22%3A%2223342%22%2C%22post_id%22%3A%22978594%22%2C%22post_path%22%3A%22payday-loans%252Floan-express-payday-loan-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional transfer fee of   to access instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $20 \u2013 $750<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Repay within 90 days<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Builds Credit<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review\" class=\"topPicks__productName\">Nyble Credit Line<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" class=\"topPicks__image\" alt=\"Nyble logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" 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%22top_picks%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%22position%22%3A%223%22%2C%22offer_id%22%3A%2223215%22%2C%22post_id%22%3A%22978594%22%2C%22post_path%22%3A%22payday-loans%252Floan-express-payday-loan-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional $11.99\/month fee for membership to get premium services such as instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $30 \u2013 $250<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Repay within 31 days, extendable<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<h3>Summary of Loan Express reviews<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Better Business Bureau accredited<\/td><td>No<\/td><\/tr><tr><td>Better Business Bureau rating<\/td><td>C<\/td><\/tr><tr><td>Better Business Bureau reviews<\/td><td>1 out of 5 stars based on 3 Loan Express reviews<\/td><\/tr><tr><td>Trustpilot reviews<\/td><td>4.5\/5 based on 10,300 reviews<\/td><\/tr><tr><td>Google reviews<\/td><td>1.8 out of 5 stars based on 10 Loan Express reviews (Toronto location)<\/td><\/tr><\/tbody><\/table><p><small>Reviews verified as of August 11, 2026.<\/small><\/p><h3>Am I eligible for a Loan Express Payday Loan?<\/h3><p>To qualify for a Loan Express Payday Loan, you\u2019ll need to meet the following requirements:<\/p><ul><li>Be the age of majority in your province or territory.<\/li><li>Have an active bank account that\u2019s open and in use for at least 30 days.<\/li><li>Have an established income that is directly deposited into your bank account. What types of income are accepted? Many types, including pension, disability, child tax credit and most other government benefits paid regularly.<\/li><\/ul><h3>How do I apply for a Loan Express Payday Loan?<\/h3><p>If you\u2019d like to apply for a Loan Express Payday Loan, simply follow these instructions:<\/p><ol><li style=\"padding-bottom: 14px;\">Head to loanexpress.ca and provide your full name in the <strong>New Customers<\/strong> section of the homepage. Select <strong>Apply Now<\/strong>.<\/li><li style=\"padding-bottom: 14px;\">Choose the province you reside in. Loan Express will load a disclaimer page, disclosing its provincial licence and the full details of the provincial payday loan regulations it must adhere to, including the full cost of your loan. Indicate that you acknowledge and understand your rights to proceed.<\/li><li style=\"padding-bottom: 14px;\">Follow the prompts on the application page. Start by selecting how much you\u2019d like to borrow. You then need to provide your full name, email address, mailing address, phone number, birthday and Social Insurance Number.<\/li><li style=\"padding-bottom: 14px;\">Indicate your income type (for example, employment, CPP, EI, WCB or private disability insurance). Depending on the income type you choose, you\u2019ll need to fill in the prompts that detail your last payday, upcoming payday, net income per paycheque, pay period frequency and whether this sum is deposited directly into your bank account.<\/li><li style=\"padding-bottom: 14px;\">You can choose to add several types of income to your application.<\/li><li style=\"padding-bottom: 14px;\">Fill out your banking details, including the name of your bank, branch number and account number.<\/li><li style=\"padding-bottom: 14px;\">Review your application and hit <strong>Submit<\/strong> when you\u2019re ready.<\/li><\/ol><h4>What documents do I need to apply?<\/h4><p>If you opt to verify your income and identity via bank verification, you won\u2019t need to send any documents. If you prefer to email or fax your paperwork, you\u2019ll need to send a bank statement and pre-authorized debit form.<\/p><h3>I got the Loan Express Payday Loan. Now what?<\/h3><p>Your loan must be repaid on the due dates as set out in your loan contract. In some provinces, your loan can be repaid in installments, while in others, you may have to repay the loan in full by your next payday. Either way, make sure you have a concrete plan for how you\u2019ll repay what you\u2019ve borrowed plus the fees you\u2019ve incurred. Loan Express will withdraw the amount owed directly from your bank account, so make sure the funds are there on your due date.<\/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-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What happens if I miss a payment?<\/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>If your payment is late or your account has insufficient funds, you'll incur an NSF fee that will be added to your total balance. You could also be charged a late fee.<\/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\">I'm retired. Can I still qualify for a Loan Express 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>Yes, you can. Loan Express says it accepts CPP and private pension as forms of income, as long as you receive your pension via direct deposit.<\/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\">Does Loan Express accept EI or CERB?<\/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>No, it says it doesn't accept these forms of income. However, it does lend on CCB, CPP, pension and disability benefits.<\/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\">Can I take out more than one 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-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No, you can't. Under provincial laws, you can only take out one payday loan at a time, and Loan Express says it follows this rule.<\/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\">When can I take out another 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-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can take out another payday loan once your current loan is paid in full and the bank has cleared your payment. Loan Express says this takes about three to four business days. In Manitoba, you must wait seven days from the date of payment.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<style>\n  \/* Modal Container *\/\n  .fenceModal {\n      justify-content: center;\n      outline: 0;\n      position: absolute;\n      z-index: 81;\n      width: 100%;\n      display: none;\n  }\n  \n  \/* Modal Content *\/\n  .fenceModal-content {\n      display: -webkit-box;\n      display: -webkit-flex;\n      display: -ms-flexbox;\n      display: flex;\n      -webkit-box-orient: vertical;\n      -webkit-box-direction: normal;\n      -webkit-flex-direction: column;\n      -ms-flex-direction: column;\n      flex-direction: column;\n      margin: 1rem;\n      max-height: 100%\n  }\n  \n  .fenceModal-buttonText {\n      font-weight: bold;\n      font-size: 18px;\n  }\n  \n  .blurred {\n    filter: blur(5px) !important;\n    pointer-events: none;\n    background: rgba(0,0,0,0.5);\n  }\n  \n  .geoDisclaimer {\n    display: none;\n    }\n  \n  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Learn about its benefits and risks.\" \/>\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\/loan-express-payday-loan-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan Express Review: 24\/7 Instant Payday Loans | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"Loan Express offers instant approval and no credit check on payday loans of up to $1,500. 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