Minutes to Apply - Quick Approval
We get it - it's cash crunch time for everyone right now and many are having trouble making ends meet. We're making borrowing money in Canada easier - because everything else is getting more difficult! We won't bother with your score and we're not going to bury you in high fees. Apply via our one page online form and we'll send your funds quick!
Apply In Minutes
Just a simple online form – a one pager covering your basic info, where you work, and how you get paid. Hit submit, and you're done!
Instant Approval
Our accessible requirements are designed to assist Canadians in getting a helping hand when urgent funds are needed.
Account Deposit
Funds are deposited right into your bank account. When borrowing money, Canada can count on us to send your funds quickly.
Repay on Payday
When payday comes around, we'll withdraw your loan plus a small transparent fee. No surprises, no gimmicks!
What They’re Saying
About Us
When wondering 'where can I borrow money?', Canada knows to count on Credit Club. We're proud to serve clients in Ontario, British Columbia, and Nova Scotia. If you need a little boost before payday, we're here for you. To see what our clients have to say about us, just check out our 4.7 rating on Trustpilot.
Your Privacy is Important to Us
We value your trust at Credit Club, which is why we'll never sell, rent, or share your personal and financial information. If you need to borrow money in Canada, you don't need to worry about your data. See our privacy policy for more details.
About Our Payday Loans in Canada
We offer a fixed fee on our payday loans in Canada. It's set at $14 per $100 borrowed - no matter your score. Check out our loan calculator and see your exact repayment amount.
No Credit Checks
At Credit Club, we get it. Just because you have a less-than-perfect credit score doesn't mean you can't repay a short-term loan! We skip the credit checks, removing the barriers when you borrow money in Canada! Credit checks often dictate the interest rate you get, but not with us, everyone gets the same fair rate.
Borrowing money in Canada through us provides you with $100 to $1500. These loans are meant to help you cover that unexpected bill or make that emergency purchase before your next paycheck comes in. We're not a long-term lender. We're here to help on a short-term basis with clear, upfront fees.
Limited Advances
What You Need
To borrow money, Canadians need an active checking account in your name, a steady income, a working phone number, and an email address. We use your bank details and email to send you the funds and to withdraw the loan repayment on your next payday.
Why Choose Credit Club
It's simple! We're changing the money borrowing game - adding that dash of humanity it's been lacking for so long. There's a lot of reasons why our clients have given us 4.7 rating on Trustpilot, here are the top 3:
-
Licensed Lender
We're licensed and legit in three provinces and working on expanding in the near future! We operate legally and transparently in Ontario, British Columbia, and Nova Scotia. If we're not in your province yet, we'll be there soon!
-
Transparent Fee Structure
You don't even need to apply to know what you'll owe. It's always $14 for every $100 loaned - nothing to hide here! When you repay what you borrowed on time, there are no additional fees - if you don't, we're still competitive in our late fee structure.
-
Minimal Requirements to Borrow Money in Canada
Our customers appreciate how easy it is to borrow money in Canada with Credit Club! All you need to apply is:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
Count on us to lend you money instantly, just like we've helped thousands of Canadians in your shoes!
Calculate Your Instant Loan Fee
Select your province and the amount you want to borrow to see how much your loan will cost come payday.
- $100
- $200
- $300
- $400
- $500
- $600
Frequently Asked Questions
What does borrowing money in Canada mean?
From a lender like us - exactly how it sounds. We help Canadians borrow money with minimal fees and zero surprises. We get it, sometimes payday feels ages away, and you've got bills or a big purchase that just can't wait. That's why we try to keep our process lightning-fast. This way you get the money you need, when you need it. At Credit Club, we're here to help you borrow money in Canada, without a sweat!
Where can I borrow money in Canada quickly?
You're in the right place. Not only are we quick, but we're also compassionate and that seeps deep into our process and our fee structure. You can borrow money in as little as 30 minutes. All you need is a steady income, a bank account in your name, a phone number, and an email. Plus, we don't even do credit checks, keeping it straightforward. When payday comes around, we'll automatically withdraw what you owe, so you don't have to worry about it, making things as easy as possible. Oh, you'll also know exactly how much we'll withdraw, paying just $14 for every $100 borrowed, up to $1500.
Will borrowing money hurt your credit?
Not here - as long as you repay what you borrowed on time. We don't do credit checks anyway, so if you borrow money in Canada with Credit Club, there's nothing to ding! If you fall behind on your payments, it could potentially put a ding in your credit score.
Do I need income proof to borrow money in Canada?
Yes, we're not in the business of gaining from defaulted payments. And we never recommend that anyone take out a loan if they're not positive they can repay it on time. That's why having a recurring income is important to us.
What happens if I can't pay off my borrowing money in Canada on time?
We have a small non-repayment fee of $20 - but your bank may also charge you some NSFs. At that point, we'll get in touch to discuss a repayment plan. Continued failed repayment will include an annual interest rate of 30%, stretching from the loan repayment date up to and including when the payment is made. To learn more about borrowing money from us, click here.
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.
