Minutes to Apply - Quick Cash Loans
Typical cash loans can take days, weeks, even months. We make it easy and fast with near instant approval for Canadians in a cash crunch. You'll know exactly what your cash loan will cost you before applying and can get your loan in as little as 30 minutes!
Apply In Minutes
Simple one page online form for basic, employer, and payroll information. No credit check and no long waits.
Instant Approval
Four simple requirements designed to help Canadians get the cash loan they need, no matter their credit score.
Account Deposit
Sent directly to your checking account via Email Money Transfer - quick access to cash when you need it most.
Repay on Payday
With a small added fee, we'll withdraw the cash loan 14 days after the loan was issued or on your next payday.
What They’re Saying
About Us
Thousands of Canadians have shared their thoughts on the service they've received from Credit Club. We're proud to showcase a 4.7 rating on Trustpilot for our quick approval process, transparent fees, and near instant approvals. Here's what they had to say about us:
Your Privacy is Important to Us
We value and appreciate your trust - we will never sell, rent, or distribute your personal and financial information. When you apply for a cash loan at Credit Club, there's no need to worry about your sensitive data - read more about our privacy policy .
About Our Cash Advance Loans
No need to complicate cash loans in Canada - our fee of $14 for every $100 loaned is standard across all our clients no matter their financial history. See what you'll owe using our loan calculator.
No Credit Checks
You may have run into a temporary financial hiccup in the past - that shouldn't stop you from getting a cash loan when you need it. Credit checks act as a barrier and discriminate against Canadians in their time of need. Our standard and transparent rates don't change based on your credit - simply put, we don't do credit checks.
By capping our loans at $1500, we're able to reach more Canadians nationwide. Limited cash loans allow you to pay off an overdue bill, make an emergency purchase, or simply help you make it to your next payday. We're here to offer short term relief when you need it.
Limited Advances
What You Need
On our one-page online form, we'll ask for a checking account in your name, a steady source of income, and basic information like your phone number and email address. That's all you'll need to complete our cash loan form - short and sweet.
Why Choose Credit Club
Our mission is clear: offer cash loans in Canada of up to $1500 with transparent fees on a short term basis. We're disrupting the lending industry, here's how:
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Licensed Lender
We have lending licences in Ontario, British Columbia, and Nova Scotia - and we're growing fast. If you're a resident of any of these provinces, we're happy to help - if not, be on the lookout for our expansion into your province!
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Transparent Fee Structure
We've activated standard fees for all clients - just $14 for every $100 loaned, up to $1500. There are no hidden fees and absolutely no gimmicks. On payday, we'll withdraw your cash loan plus the associated fees. If the withdrawal is unsuccessful, we add a $20 non-payment fee. Continued non-payment is subject to an annualized interest rate of 30% from the loan repayment date.Click here for more details.
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Minimal Requirements for Cash Loans
Getting an online cash loan in Canada has never been easier. To apply, here's all you need with Credit Club::
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
Helping Canadians when they need it with temporary cash loans - apply now!
Calculate Your Loan Fee
Calculate your cash loan by choosing your province and amount needed:
- $100
- $200
- $300
- $400
- $500
- $600
Frequently Asked Questions
Is a cash loan in Canada short term?
Ours are! We specialize in offering temporary relief to Canadians when they need cash loans fast. We limit our rates to $14 for every $100 loaned, up to $1500. So, if you're strapped for cash, all you need is proof of a recurring income, checking account in your name, a phone number, and an email to apply. Repayment is on your next pay day or 14 days from when the cash loan was received.
Where can I borrow money fast in Canada?
Credit Club offers online cash loans in Canada in as little as 30 minutes. Not only are we fast to approve, our transparent fees are standard for all clients, no matter their credit score. Minimal requirements and a one-page online form make getting a cash loan easy and quick!
Will a cash loan hurt my credit?
Only if your online cash loan goes into arrears. At Credit Club, we don't do credit checks, but if you fall into non-payment once the cash loan is due, that's when your credit could take a hit.
What do I need to get a cash loan with Credit Club?
Requirements to apply for cash loans with Credit Club are minimal. All you need is a checking account in your name, steady income, phone number, and an email. With that, your approval could come in as little as 30 minutes.
What steps does Credit Club take if I'm unable to pay back my cash loan?
Sometimes life throws us a curve ball. If you're unable to make your cash loan payment on time, we'll add a small fee of $20 to your overall loan. After that, we'll contact you to talk about your circumstances and work out a payment plan. For continued non-payment, there's an annualized interest rate of 30% from the repayment date up to and including once payment is made. Click here to learn more.
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.
