Published payday loan terms, side by side. Rates reviewed August 2026.
Best for: Borrowers in British Columbia, Ontario or Nova Scotia who want a fast answer with no credit check anywhere in the process
Apply Now Full profileBest for: Borrowers who need a payday advance in a province where their options are limited
Apply Now Full profile| Credit Club | Magical Cash | |
|---|---|---|
| Amount range | $100 – $1,500 | $100 – $1,500 |
| Rate | $14 per $100 borrowed | $14 per $100 borrowed |
| Term | Up to 2 months | Not published |
| Funding speed | 1 day | 2 days |
| Minimum income | $1,500/month minimum | $2,000/month minimum |
| Income types | 3 income types accepted | 4 income types accepted |
| Minimum credit band | poor | any |
| Provinces | 3 provinces | 2 provinces |
