One application. 7 lenders from our 50+ network. Funded in 24 to 48 hours.
Apply Now One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
| Payday loan | Instalment loan | Line of credit | |
|---|---|---|---|
| Rate range | $14 per $100 | 5.99 - 46.96% APR | 19.8 - 34.99% APR |
| Interest charged on | Flat fee per $100 borrowed | The full amount from day one | Only what you draw |
| Repayment | Due in full on your next payday | Fixed instalments, set end date | Revolving, minimum payment |
| Re-borrow without reapplying | No, and rollovers are banned in most provinces | No | Yes |
| Best when | A small shortfall you can clear from your next cheque | You know the amount and want a payoff date | Costs arrive over time and you cannot size them yet |
| Watch out for | The highest cost per dollar of any form on this site | Interest on funds you may not need | No end date means a balance can persist for years |
Three things decide it, and only one is about the lender.
Verification method. Lenders that connect read-only to your bank account verify in minutes. Lenders that require uploaded documents wait for you, then for a reviewer. This is the largest single factor.
When you apply. An approval landing after banking cutoff arrives the next business day no matter how fast the decision was.
Whether the file needs a human. Automated approvals fund fastest. Anything flagged for manual review adds a day.
16 of 24 lenders in our network fund within 24 hours.
Approval is rarely the delay. Verification is.
The fastest products are not the cheapest. Lenders funding in hours are assessing banking behaviour rather than credit, and pricing for that.
If the need is genuinely today, that trade is worth making. If it is not, one extra day frequently buys a materially lower rate. Worth being honest with yourself about which situation you are in.
At the amounts most express borrowing covers, Bree and Nyble offer 0% advances.
Fast funding does not lower the bar. It removes the paperwork wait.
16 of 24 lenders accept any income type. 22 publish a minimum monthly income, most commonly $1,500 per month.
16 lenders in our network fund within 24 hours where income verifies through banking connection and you apply before cutoff.
Usually. The lenders assessing fastest are pricing for banking-based risk assessment.
Document uploads, applying after banking cutoff, and anything requiring manual review.
