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.
Before you borrow
Worth checking first
Ask the provider for time
Utilities, landlords and repair shops will often arrange a payment plan at no interest if you ask before the bill goes to collections.
Employer payroll advance
Many employers advance against an upcoming cheque at no cost. It is not widely advertised, so it is worth asking payroll directly.
These options cost less than borrowing. We list them because a loan is not always the right answer, even on a page about loans.
Common questions
What is the fastest way to get emergency cash in Canada?
An online instalment loan or line of credit from a lender that verifies income through your banking, which commonly funds within hours. Payday loans fund fast too but cost considerably more: $14 per $100 for two weeks against single-digit interest on a comparable credit line over the same period.
How much should I borrow in an emergency?
The amount of the actual bill, and no more. The most common expensive mistake is rounding up because a larger approval is offered, which turns a one-off shortfall into months of payments. Requests on our platform for emergency purposes average well under the all-purpose figure.
Can I get an emergency loan with bad credit?
Yes. Several lenders approve on income and banking history without a credit check. Expect rates near the 35% cap, which is why checking the alternatives above first is worth the ten minutes.
