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Same Day Loans

One application. 17 lenders from our 50+ network. Funded in 24 to 48 hours.

Most lenders ask for $1,500 monthly income. Rates reviewed August 5, 2026.

Apply Now Soft check only. One 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. No credit check, and it filters this list instantly.
Amount: AnyCredit: Any Province: Any Sort: Recommended
MDG Financial
★★★★★ 4.4 (11)
Amount
$3,200 - $20,000
Rate (APR)
19.8 - 34.99% APR
Income accepted
Any income type
Funding
48 hours
Apply Now View profile
Best for Borrowers with fair credit who want a fixed three-year payoff on a mid-size balance · Line of credit
Spring Financial
★★★★★ 4.4 (14)
Amount
$500 - $35,000
Rate
From 9.99% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Borrowers with fair or poor credit who want a long repayment runway and a path to better credit · Instalment loan
Loan Away
★★★★★ 4.5 (13)
Amount
$1,000 - $5,000
Rate (APR)
19.9 - 34.5% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Borrowers with poor credit and modest income who need $5,000 or less · Instalment loan
Alterfina
★★★★★ 4.5 (11)
Amount
$500 - $2,500
Rate (APR)
18.99% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Ontario and Quebec borrowers who want a small short-term loan at a rate well below the cap · Instalment loan
Eastern Loans
★★★★★ 4.7 (12)
Amount
$500 - $750
Rate (APR)
23% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Borrowers who need a few hundred dollars quickly and want a rate well under the cap · Instalment loan
Nyble
★★★★★ 5.0 (2)
Amount
$30 - $250
Rate (APR)
0% APR
Income accepted
Any income type
Funding
48 hours
Apply Now View profile
Best for People who need a very small advance and want to avoid interest entirely · Line of credit
Bree Loans
★★★★★ 4.5 (13)
Amount
$15 - $750
Rate (APR)
0% APR
Income accepted
Any income type
Funding
48 hours
Apply Now View profile
Best for People who need to bridge a small gap before payday without paying interest · Line of credit
easyfinancial
★★★★★ 4.6 (20)
Amount
$500 - $20,000
Rate (APR)
9.99 - 34.99% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
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
Magical Cash
★★★★★ 5.0 (4)
Amount
$100 - $1,500
Rate
$14 per $100 borrowed
Income accepted
Any income type
Funding
48 hours
Apply Now View profile
Best for Borrowers who need a payday advance in a province where their options are limited · Payday loan
Money Mart
★★★★★ 4.3 (18)
Amount
$500 - $25,000
Rate (APR)
34.56 - 34.95% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Borrowers who want one provider for both a short-term advance and a larger instalment loan · Instalment loan · Also offers: instalment loan
Mogo
★★★★★ 4.4 (28)
Amount
$500 - $15,000
Rate (APR)
34.37% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Borrowers who want a single app covering both an instalment loan and a small revolving line · Instalment loan · Also offers: line of credit
PrêtDirect
★★★★★ 5.0 (2)
Amount
$500 - $1,000
Rate
From 22% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Quebec borrowers who need a small short-term loan · Instalment loan
Magical Credit
★★★★★ 4.8 (26)
Amount
$1,500 - $20,000
Rate (APR)
34.86% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Ontario borrowers with fair credit who need $1,500 or more and have been declined elsewhere · Instalment loan
Cash Money
★★★★★ 4.6 (16)
Amount
$500 - $10,000
Rate (APR)
34.99% APR
Income accepted
Any income type
Funding
48 hours
Apply Now View profile
Best for Borrowers who want a payday advance and a longer-term line from the same provider · Line of credit · Also offers: payday loan
LendDirect
★★★★★ 5.0 (4)
Amount
$100 - $15,000
Rate (APR)
34.99% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Borrowers who want an open revolving line they can draw from as needed · Line of credit
Cash 4 You
★★★★★ 4.3 (14)
Amount
$100 - $20,000
Rate (APR)
34.37% APR
Income accepted
Employment or self-employed
Funding
48 hours
Apply Now View profile
Best for Ontario borrowers with poor credit who want an instalment loan rather than a payday advance · Instalment loan
Fora
★★★★★ 4.9 (8)
Amount
$1,000 - $15,000
Rate (APR)
19.9 - 34.9% APR
Income accepted
Any income type
Funding
48 hours
Apply Now View profile
Best for Borrowers who want revolving credit they can draw on repeatedly rather than a one-time lump sum · Line of credit

Which criteria count, and with whom

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.

Same Day Loans

No matter how well you manage your personal finances, emergencies can happen where your only hope is to find financing – and fast. But modern technology and the prevalence of online lenders mean that same day loans are a popular solution across Canada. With just a few clicks, anyone can get funding in moments by using Smarter Loans.

But not all Canadian cash loans are created equal. That’s why Smarter Loans has compiled a list of the most trusted firms in the industry. These lenders rank highly in terms of client satisfaction, reliability, and fairness of terms. Most of these companies also offer an online loan application process, so you can expect to learn whether you’ve been approved within minutes.

Apply with Smarter Loans, and we’ll match you up with an appropriate lender for your situation.

 

 

One application. 17 lenders. Apply Now