Time in business:
Customers:
Total funded:
Loans offered:
In need of quick cash? Bree offers you up to $500 at 0% interest! No credit check needed. While tips are entirely optional, they greatly assist us in serving other Bree members.
Smarter Loans Expert Review for Bree Loans
Reviewed by: Vlad Sherbatov, Personal Finance Analyst at Smarter Loans
Our Take
Bree occupies a specific niche in Canadian lending: small, no-credit-check cash advances designed to bridge the gap between paycheques. At up to $500 with 0% interest, it’s not competing with traditional personal loans. It’s competing with bank overdraft fees, and on that front, it wins decisively.
The 0% interest
headline needs a bit of unpacking though. The real cost comes from two optional components: an express delivery fee if you need funds within hours rather than days, and a voluntary tip. This model is increasingly common among cash advance apps but can catch first-time users off guard. Our advice is simple: use the free standard delivery when you can, and don’t feel pressured to tip more than you’re comfortable with.
Who Bree Works Best For
Bree suits Canadians who have steady income but occasionally find themselves short before payday. If you’re facing a $45 overdraft fee from your bank because a bill is about to bounce, borrowing $100 from Bree and repaying it in a few days makes clear financial sense. The $1,200 minimum monthly income requirement is relatively accessible, and the app-based process takes minutes rather than the hours or days you’d expect from traditional lenders.
That said, Bree is less suitable if you need more than $500, require funds on a regular basis (which usually points to a budgeting issue that borrowing won’t fix), or are looking to build credit. Bree doesn’t report to credit bureaus, so using it won’t improve your credit score.
What We Like
The no-credit-check model means approval is based on your banking history rather than your credit score. For Canadians who’ve had credit difficulties in the past, this removes a real barrier. We also appreciate the transparency around fees. Unlike some payday lenders, there’s no complex interest calculation or hidden charges that balloon over time.
Where Bree Could Improve
The $500 maximum is limiting for anything beyond minor emergencies. Customer support response times have been noted as slow by some users, which is frustrating when you’re dealing with time-sensitive financial situations. We’d also like to see Bree offer an option to report positive repayment history to credit bureaus. That would add genuine long-term value for borrowers working to rebuild their credit.
Is Bree Right For You?
Bree does one thing and does it reasonably well: giving Canadians quick access to small amounts of cash without the punitive costs of traditional payday lending. It’s not going to help with larger financial needs, but as a tool for avoiding overdraft fees and covering short-term gaps, it’s a legitimate option. Just be clear on what you’re paying for before you hit the express delivery button.
Products Offered
AMOUNT
$20-$500
INTEREST RATE
0%
TERMS
Up to 90 days
Cash Advance
Conditions & Rates
Interest Rate
0%
Amount
$20 – $500
Term Length
N/A
Eligibility & Documents
Who is eligible?
Repayment & Issuance
How fast can you get the money?
Instantly
Funding method
Direct Deposit
How does repayment work?
Bree Loans – Reviews, Ratings & Alternatives Videos
Contact information
support@trybree.com- 33 Bloor St E, Toronto, ON M4W 3H1
Availability:
Everywhere in CanadaSupport Offered:
- Call Centre
- FAQs
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Call Center:
8am - 6pm ESTFrequently Asked Questions About Bree Loans – Reviews, Ratings & Alternatives
Who is Bree?
What does Bree do?
At Bree, they're here to help Canadians facing financial challenges. With over 50% of the population living paycheck to paycheck, traditional banks and payday lenders often fall short in meeting their needs.
How do advances work?
If eligible, Bree's Advance Service allows you to request free advances through your dashboard to cover upcoming expenses. You'll only receive an advance if you request one or choose to receive it when offered. Access to the Advance Service is free, and there's no cost for the advances themselves. You may have the option to expedite advance delivery for a fee, and you can voluntarily provide a tip to appreciate the service. These choices don't impact your eligibility for advances. For additional details, please refer to Bree's Terms of Use, including optional fees for expedited delivery.
Is Bree Legit?
Yes, Bree Loans are a legit company. Here at Smarter.Loans we only work with regulated and registered financial services companies - our services exist to help keep you safe from scams.
What do people use Bree for?
Bree is here to help with your bills. You can request one advance at a time, and receive up to $10 in your checking account within days or even hours (with a small fee for express delivery).
Are There Any Bree Loans Reviews?
There sure are... Scroll down the page to check out our users that have used Bree Loans and left a review... To date they have only received 5-star reviews from our users.
Are they the same as TryBree?
Yes, it can sometimes be confusing that their domain name is trybree.com but this is in fact all the same company.
Why do people use Bree?
Bree aims to be a more consumer-friendly financial partner, starting with providing access to your earned cash sooner. Say goodbye to overdraft fees and interest payments by signing up for Bree's overdraft protection of up to $100. Join Bree on the path to financial freedom.
Is Bree safe?
Your safety is paramount to Bree. We're committed to being the financial partner you can wholeheartedly rely on and trust. Rest assured, there are no hidden fees. They believe in complete transparency, ensuring you always know exactly what you're paying for. Your satisfaction is top priority, and Bree's mission is to provide you with the best services at the most affordable prices. Your financial well-being is in good hands with Bree.
When will I get my advance?
When you request an advance through the app, you'll have two delivery options: Standard and Express. The Standard option is free and takes up to 2 business days for your advance to arrive. In contrast, the Express option incurs a small fee but delivers your advance in less than 3 hours. Once your advance has been confirmed, you won't be able to change the delivery speed, so choose the option that suits your needs best. Standard advances will be deposited into your checking account, while Express advances will be sent to your connected debit card, providing you with quick and convenient access to your funds.
Will my credit be affected?
Getting an advance won't affect your credit, and there are no late fees or penalties.
Bree Loans – Reviews, Ratings & Alternatives Reviews
Avg. Rating: 4.5 (13 reviews)
Thank you Bree
“I needed a quick advance and Bree was right there to help fast and easy. I love the no interest part!!”
Easy to use
“Bree is easy to use and you can do it all online. I would recommend if you need quick cash. ”
Great Service at Bree
“Bree is a great loaning service that helps you when you’re in need. Thank you for your help!”
Thanks so much
“Thanks so much to Bree and it's workers....I was stuck and it really helped, I wish I were able to borrow more but got by thanks to yous. ”
Helpful App, Slow Support
“It’s a useful app, but Bree could improve their customer support response time.”
Fast, Reliable, and No Hi...
“I use Bree for small cash boosts before payday. It’s fast, reliable and has no hidden fees.”
Quick Cash When I Needed ...
“Bree helped me avoid overdraft fees with their quick cash advances. Super convenient when you're in a pinch.”
A bit slow, but still a g...
“It worked, but Bree took longer to send the funds than I expected. Still better than a payday loan though.”
Saved me just in time
“Bree helped me avoid bouncing a payment. No stress and super fast!”
Great help between payday...
“Quick and efficient. Bree is great when you’re stuck between paycheques. Wish the limit was a bit higher.”
Makes budgeting way less ...
“Using Bree has made managing my cash flow easier. I appreciate the transparency and simplicity.”
Helpful boost when you ne...
“Bree’s advance feature is handy, especially with no interest. I recommend it for anyone who needs a quick buffer.”
