Minutes to Apply - Bad Credit Loan Approval
The status of your credit score shouldn't stop you from getting the help you need. We understand that Canadians need financial help now more than ever - so we don't discriminate based on credit score. Get a bad credit loan in Canada with low fees and fast approval.
Apply In Minutes
The process is simple - one short form to gather details like your basic info and payroll information.
Instant Approval
Get approved in as little as 30 minutes - we make it easy for Canadians to get cash when they need it, and fast!
Account Deposit
No physical location to visit, we'll send your bad credit loan right to your bank account via Email Money Transfer.
Repay on Payday
Two weeks after your loan, or on your next payday, we'll withdraw the bad credit loan and a small transparent fee.
What They’re Saying
About Us
Over 3000 Canadians, some with good credit and some with bad, have given us a 4.7 rating on Trustpilot. When they needed extra cash before payday, we were able to help with up to $1500 in a good or bad credit loan in Canada. Here's what they had to say:
Your Privacy is Important to Us
Your trust is important to us - we'll never sell, rent, or distribute any of your basic, personal, or financial information. No need to worry about your data with Credit Club. Read more about our commitment in our privacy policy.
About Our Bad Credit Loans
We make the bad credit loan process simple. Our fee is fixed and clear before you accept a loan - calculate exactly how much you'll owe using our very own loan calculator.
No Credit Checks
This is what we mean when we say we don't discriminate based on your credit score. We go as far as not even checking your credit to begin with. Your financial history shouldn't dictate whether or not you can get temporary financial help. Our rates are standard for both good and bad credit loans in Canada.
Get a bad credit loan between $100 to $1500. Pay off that unexpected bill, make an emergency purchase, or simply make ends meet before your next paycheck. We're here for short-term relief not long term lending, allowing us to keep our fees low and service speedy!
Limited Advances
What You Need
Requirements for a personal loan with bad credit are easy with us, too! All you need is a checking account in your name, a steady income from an employer, an email address, and a phone number. Your bank details are used to both deposit your bad credit loan via EMT and withdraw once due.
Why Choose Credit Club
We're quick and trusted Nationally by Canadians for our transparency, commitment to privacy, quick approval process, and low fees. Here are a few reasons why our clients have given us 4.7 rating on Trustpilot.
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Licensed Lender
We only operate where we're licensed - that currently includes Ontario, British Columbia, and Nova Scotia. Expanding rapidly, our mission is to bring our popular bad credit loans to all Canadians, so stay tuned!
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Transparent Fee Structure
Know what you'll owe before you even apply. We're transparent with our fees at $14 per every $100 borrowed, up to $1500. You won't be charged any additional fees if repayment is done on time. For failed repayments, we'll add $20 to your bad credit loan - not including any NSF fees from your bank. For a continued failed payment, learn more here.
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Minimal Requirements for Bad Credit Loans
Our 4.7 rating on TrustPilot is partly due to our minimal requirements. Here's all you need to get a loan with bad credit at Credit Club:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
The process is simple and allows us to help thousands of Canadians get bad credit loans in their time of need.
Calculate Your Loan Fee
Select your province and amount needed - our loan calculator will show you exactly what you'll owe once the loan is due.
- $100
- $200
- $300
- $400
- $500
- $600
Frequently Asked Questions
What's the easiest bad credit loan to get in Canada?
Getting a loan for bad credit in Canada is easy with Credit Club. All you need to apply is a checking account in your name, steady income, phone number, and an email address. Get up to $1500, with a transparent fee of $14 for every $100 loaned. Due date is typically 2 weeks from when the loan was issued, or your next payday. Over 3000 Canadians gave us a 4.7 rating on TrustPilot for our fast approval process, low fees, and more.
I have bad credit but I need a loan now!
You can get a bad credit loan in Canada in as little as 30 minutes! Our process is easy and we don't do credit checks! We're strong believers in offering assistance to Canadians with bad credit - everyone goes through a cash crunch, especially these days. We ask for employment and basic details in one easy online form, and you could have your cash transferred to your bank account the same day!
Will a bad credit loan from Credit Club hurt my score even more?
Only if it goes into arrears - nonpayment can affect your score. If your bad credit loan is repaid on time, it can't hurt your credit, remember, we don't do credit checks! We also keep our loans small, between $100 to $1500, which makes repayment easier on Canadians.
What if I don't have recurring income?
Our application requirements are limited, but a steady income is one of them. This helps safeguard repayments to avoid putting a big strain on loaners come payday.
What happens if I can't pay off my bad credit loan?
We withdraw your loan amount directly from your bank account on pay day. If it's unsuccessful, we charge a $20 fee and your bank may charge you NSF fees. Then, if the loan isn't repaid based on a discussed repayment plan, we have an annualized interest rate of 30% that will kick in - click here for further details.
Lender licence
Ontario 4726568
British Columbia 64068
Nova Scotia 222985929
Fast - Simple - Secure
At Credit Club we are dedicated to providing you with a solution to meet your immediate money needs right from the privacy of your home.
As a licensed and responsible lender, we encourage you to review our sample borrowing costs below.
