One application. 17 lenders from our 50+ network. Funded in 24 to 48 hours.
17 lenders in our network serve Canada. Borrow $100 to $150,000 at 9.99 to 34.99% APR, with funding as fast as 48 hours. Every lender is subject to the 35% federal rate cap. Most lenders ask for $1,500 monthly income. Rates reviewed August 2026.
Apply NowOne application routed to where you qualify.
Your lender options
Every Apply button starts the same single application. Your chosen lender is prioritized first.
Show only lenders I qualify for
Four questions about you, and it filters this list instantly.
Answer the last question to see your matches.
Checked against published lender criteria. Not a credit check, and nothing here affects your credit score.
Best for Borrowers who want branch support and the option to scale from a small unsecured loan to a large secured one · Instalment loan · Also offers: secured loan
Lenders accepting each criterion · of 17 in network
8
accept any income type, including benefit income
17
accept self-employed income
17
accept part-time income
12
approve applicants with poor credit
8
approve across every credit band
Computed from published lender criteria, verified August 2026. Counts update as lender criteria change.
Common questions
How fast can I actually get the money?
The fastest lenders in our network fund within minutes of approval by Interac e-Transfer, and most applications take under fifteen minutes because income verification runs through your online banking rather than paperwork. The practical bottleneck is your own bank's deposit processing, not the lender.
Do same day loans cost more?
Not because of the speed itself. Speed comes from automated verification, not a premium. What varies is the product: a same-day payday loan costs $14 per $100, while a same-day instalment loan is priced as an APR under the 35% cap. Compare products, not funding times.
What do I need to apply?
Online banking credentials for instant income verification, or recent bank statements if you prefer, plus government ID and an active Canadian bank account. No documents need printing or scanning with most lenders in our network.
