Express Loans Canada

Why Choose Smarter Loans?

Our technology connects directly with lenders to submit your application where you're most likely to be approved - protecting your credit score and saving you time.

Faster Approvals

Apply where you're most likely to be approved. Our system analyses your profile against real lender criteria to find the best fit.

Protect Your Credit Score

One soft credit check instead of multiple hard inquiries. We match you with lenders before they pull your full credit report.

Done-For-You Applications

Our technology is integrated directly with lenders. We handle the paperwork and submit your application to the right places.

Built for Real Canadians

We work with lenders who support a wide range of credit profiles, helping borrowers with past challenges access realistic financing options.

How It Works

Get funded in three simple steps

Complete Your Application

Apply once through a secure online form in under 5 minutes. We'll ask about you, your funding needs, and basic financial information.

Get Approved

Our platform assesses your application against real lender criteria and routes it directly to the lender where approval is most likely.

Receive Your Funds

Once approved, funds are deposited directly into your bank account - often within 24-48 hours.

Apply Now – It Takes 5 Minutes

Online Express Loans in Canada

Express lending can be used for personal or business purposes and are similar to other types of online, short term loans in Canada. The main difference is that you can expect the cash in your account in 1 or 2 days. People often come to Smarter Loans to find express loans for emergency expense, repairs, bill payments or something else that needs to be taken care of fast. It’s easy to apply online and get approved instantly. Express cash loans serve as a beacon for those in need of fast financial relief. Whether you’re faced with an unexpected car repair or just need some extra money before your next payday, these online loans, with their commitment to treating credit history as just one factor, can be an invaluable tool.

Eligibility Requirements

Must be a Canadian Resident
Over 18 Years Old
Minimum Monthly Income of $1,000

Funding Solutions Available

One application gives you access to multiple financing options

Installment Loans

Unsecured personal loans up to $15,000

Short-term Loans

Loans up to $1,500 with repayment in 60 days or less

Cash Advances

Quick, No credit check loans

Lines of Credit

Personal line of credit up to $30,000

Frequently Asked Questions

What is an Express Loan?

An Express Loan, or payday loan is a type of short-term loan designed to provide borrowers with quick access to funds. Typically processed much faster than traditional loans, Express lending is a popular choice for those facing unexpected expenses or short-term financial challenges.

Can I apply for an Express Loan even if I have bad credit?

Yes, one of the advantages of Express Loans, or a payday loan, is that they are often available to individuals with bad credit. While some traditional lenders may perform a credit check, your credit score is not the sole determinant. Your ability to repay the loan, typically verified by your income, is of greater concern.

How quickly can I expect to receive the loan amount after applying?

Most Express Loans, or a payday loan, are designed to provide funds very quickly. Many lenders offer same-day approvals, and with features like interac e-transfer, borrowers can often receive funds within hours or even minutes of being approved.

What's the typical loan amount I can borrow with an Express Loan?

The loan amounts for an express or payday loan, can vary depending on the lender and the borrower's financial situation. However, given the short-term nature of these loans, the amounts are generally not as large as traditional personal loans. They typically go up to $1,500. Always check the minimum and maximum loan amounts with your chosen lender.

How do I repay my Express Loan?

Repayment methods can vary, but most lenders set up an automatic debit from your account on the agreed-upon repayment date, typically your next payday. Ensure you have sufficient funds in your account on that day to avoid any additional fees or charges.

Are there any hidden fees associated with Express Loans?

While reputable lenders will be transparent about all fees and charges, some lenders might have additional fees for things like late payments, early repayments, or account set-up. It's crucial to read the loan agreement thoroughly and understand all potential charges before accepting the loan.

Can I apply for another Express Loan if I already have one?

This largely depends on the lender's policy and your financial situation. Some lenders might allow you to take out another loan if you've successfully repaid your previous one, while others might require a cooling-off period. It's essential to avoid becoming reliant on these loans, as the fees and interest can add up quickly.