Minutes to Apply - Instant Cash
Advance Approval
Too many hard working Canadians are having trouble making ends meet. Credit Club makes it simple to access easy cash advance loans with minimal requirements. We’re upfront with our fees so you know exactly how much you’ll owe once payday rolls around.
Apply In Minutes
A one pager online form covering your basic, employer, and payroll information. Once you click submit - you’ve applied!
Instant Approval
Our easy to fulfill requirements are designed to help hardworking Canadians get an advance when they need it.
Account Deposit
Directly into your bank account! We send your cash advance loan via an Email Money Transfer for quick access.
Repay on Payday
Once payday rolls around, we withdraw the same amount plus a small (and transparent) cash advance fee.
What They’re Saying
About Us
We proudly serve clients who need a quick cash advance across Canada in Ontario, British Columbia, and Nova Scotia. Sometimes you just need a little extra before payday, and we’re here to help. Check out our 4.7 rating on Trustpilot and see what our clients have to say.

Your Privacy is Important to Us
At Credit Club, we value your trust. We will never sell, rent, or distribute your personal and financial information. When you need a quick cash advance, the last thing you want to worry about is your data - we got you covered in our privacy policy.
About Our Cash Advance Loans
It's simple. We charge a fixed cash advance fee of $14 on every $100 in your loan. This cap is a requirement set by law and you can calculate the exact amount you owe using our loan calculator.

No Credit Checks
Just because someone has bad credit doesn't mean they can't pay back a temporary loan. We bypass this step because it works as a barrier to getting cash advances when they're needed most. Credit checks usually determine the rate you get with an advance cash loan - that's not the case with us. We use standard rates no matter your credit.
Our cash advances range between $100 to $1500. They're meant to help you pay off that overdue bill or make a much needed purchase before payday comes around. We're not a long-term lender but instead provide short term relief for our clients for a small and transparent fee.

Limited Amounts

Requirements
An active checking account in your name, steady source of recurring income, working phone number, and email address is all you need to get a cash advance here. We use your bank details and email to send your cash advance loan via Email Money Transfer, and withdraw the loan on your next expected payday.
Why Choose Credit Club
Simply put, we're the quickest and most trusted online cash advance service in Canada! Here are a few reasons why our clients have given us 4.7 stars on Trustpilot.
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Licensed Lender
We're currently licensed in three provinces for cash advances in Canada and expanding rapidly. We can't and won't operate outside of our jurisdiction. If you're not in Ontario, British Columbia, or Nova Scotia - don't worry, we'll be in your neighborhood in the foreseeable future!
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Transparent Fee Structure
As soon as you click 'Apply Now' anywhere on our site, you'll be shown the fee structure active on our online cash advances. Aside from the listed $14 fee charged per $100 you will not be charged any additional fees on a timely repayment. In the case of an unsuccessful payment, you may be charged $20 for the failed withdrawal attempt from our end.
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Minimal Requirements for Cash Advances
Our customers appreciate the minimal requirements needed to get an online cash advance with Credit Club. Here's what we require before you receive your instant loan:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
We've simplified the process, made cash advances instant, and have helped thousands of Canadians along the way.
Calculate Your Cash Advance Fee
Choose your province and cash advance amount to see what you'll owe come payday.
- $100
- $200
- $300
- $400
- $500
- $600

Frequently Asked Questions
What Does Cash Advance Mean?
Cash advance means getting paid or receiving money before payday. This can be for personal use or required as a business expense. At Credit Club, we understand that sometimes payday can't come soon enough - you've got bills due or a big purchase that can't wait until payday. That's why our fees are minimal and our process is instant. Get money fast when you need it the most.
How can I borrow cash immediately?
Apply for an online cash advance with Credit Club. For a small fee, you can receive an instant advance to be repaid when payday rolls around. All you need is a steady income, a checking account in your name, an active phone number, and an email address. We don't even do a credit check. Once it's payday, we automatically withdraw the amount owed, no more, no less.
Do cash advances hurt your credit?
If your cash advance goes into arrears, it's possible that non-payment could affect your credit score. But taking out a cash advance won't hurt your credit.
Do I need income proof to get an online cash advance?
Yes, recurring income is one of Credit Club's minimal requirements for getting a cash advance online.
What happens if I can't pay off my cash advance on time?
You'll be charged a fee of $20 for a failed repayment. If repayment isn't made after that, there's an annualized interest rate of 30% from the loan repayment date up to and including one payment is made. Click here for further details