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| Payday loan | Instalment loan | Line of credit | |
|---|---|---|---|
| Rate range | $14 per $100 | 9.99 - 34.99% 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 |
A small short-term loan built for speed: application to funds in under an hour, verified through your online banking rather than documents. Most express products are payday loans priced at $14 per $100, though some lenders offer small instalment loans at an APR under the 35% cap through the same fast pipeline. Check which one you are being offered, because the cost difference is large.
If it is a payday product, $14 per $100 borrowed: $70 on a $500 loan repaid in two weeks. If it is a small instalment loan, an APR capped at 35%, which on the same $500 over two weeks is under $7 of interest but repays over months rather than one payday. Speed itself carries no premium; the product structure sets the price.
Several lenders in our network send funds by Interac e-Transfer within 15 minutes of approval, 24 hours a day. The delay you experience is usually your own bank's deposit processing rather than the lender.
