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Three products share the name, and they cost very different amounts.
A payday loan. $100 to $1,500 from the eight lenders listed, repaid in full on your next pay date, at $14 for every $100 borrowed in every province that licenses payday lending. Fast, no credit minimum with most lenders, and the most expensive of the three for anything not repaid on the date.
A credit card cash advance. Cash drawn against a card's limit, charged interest from the day it is taken at a rate above the purchase rate, usually with a fee. Cheaper than a payday loan if it is repaid within a month or two; expensive if it sits.
An app-based advance. A small advance on wages already earned, from an app connected to your bank account, for a subscription or a tip rather than a per-loan fee. The cheapest of the three at the smallest amounts, and capped low.
The lenders listed offer the first. If the amount is small and the repayment is days away, the third is worth checking first; the emergency loans page covers when it fits.
A payday loan of $500 costs $70 and is repaid in full in two weeks. A credit card advance of $500 at a typical advance rate costs a few dollars a month in interest plus the withdrawal fee, and is repaid on your own schedule. An app advance of $500 costs whatever the subscription or the optional tip is, often under $10, and is repaid on your next pay.
The order of cost is the reverse of the order of speed and availability, which is why the payday loan exists: it is the one of the three that a person with no card and poor credit can get in an hour.
Whenever you cannot repay in full on your next pay date. A second payday loan to cover the first is how a $500 problem becomes $1,000, and a short-term loan or cash loan repaid over two or three months under the 35% cap costs a fraction of a repeat payday loan. The same application reaches those lenders. The full rules, the provincial caps and what happens on a repeat loan are on the payday loans in Canada page.
Apply once. Our application reaches every lender listed and is sent where you are most likely to qualify.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans. Last reviewed 17 September 2026. Lender figures are the lenders' published terms as checked August 2026.
In Canada the phrase covers three products: a payday loan of $100 to $1,500 repaid on your next pay date, a cash advance on a credit card, and an app-based advance on wages already earned. The eight lenders listed offer the first, at $14 for every $100 borrowed in every province that licenses payday lending.
A payday loan costs $14 per $100, so $500 costs $70 for two weeks. A credit card advance costs interest from the day it is taken plus a withdrawal fee, usually far less over a month. An app advance costs a subscription or an optional tip, often under $10. The order of cost is the reverse of the order of availability.
Yes. Every one of the eight lenders listed considers poor credit, and most set no minimum score; the decision is made on your bank deposits and your pay date. Seven of the eight pay out within 24 hours of approval.
A regular income of at least $800 to $2,000 a month depending on the lender, from any source that arrives on a fixed date, a bank account it is paid into, and your online banking login, because the decision is made on your statements and the repayment is taken from the same account.
If you cannot repay in full on your next pay date, yes: a short-term loan repaid over two or three months under the 35% cap costs a fraction of a repeat payday loan, and one application reaches those lenders as well as the eight listed.
