Cash Loans in Canada

Cash loans in Canada - quick and easy with no credit check!

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!

1

Apply In Minutes

Simple one page online form for basic, employer, and payroll information. No credit check and no long waits.

2

Instant Approval

Four simple requirements designed to help Canadians get the cash loan they need, no matter their credit score.

3

Account Deposit

Sent directly to your checking account via Email Money Transfer - quick access to cash when you need it most.

4

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

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 Amounts

Limited Advances

Requirements

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:

  • 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!

  • 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.

  • 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:

Loan amount
  • $100
  • $200
  • $300
  • $400
  • $500
  • $600
$14. 00
$114.00

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.

Apply for a loan now
Secure website
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.

NEED HELP?
Email us now and our agents will take care of you.

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Online Payday Loans Across Canada

Credit Club is proud to offer loans online to the residents of Ontario and British Columbia. Citizens of Toronto or Ottawa can apply online from the comfort of their home and receive the funds usually the same business day. Canadians from Vancouver and Victoria know they can be approved even if they have less-than-perfect credit. Citizens of Hamilton and Mississauga can apply online in minutes and get instant approval.

Understanding our loan fees

Ontario and British Columbia : We charge $14 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $42 and the payback amount $342.

Nova Scotia : We charge $14 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $42 and the payback amount $342.

Annual Percentage Rate Disclosure

Ontario and British Columbia : Annual Percentage Rate (APR) varies from 90% to 365%. The minimum and maximum for repayment period is 62 days. For further details on APR, please refer to the FAQs and Pricing.

Nova Scotia : 365%.

Implications of non payment

Financial Implications - If a pre-authorized withdrawal is returned to Credit Club for any reason, including but not limited to "NSF" or "account frozen," it will be considered as a non-payment. In these cases you might be charged an NSF fee. You may also incur an overdraft charge from your bank. In addition, an annualized interest rate of 30% will accrue from the loan repayment date up to and including the eventual repayment date.

Collection Activity - We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail or email. Our collection agencies recover monies owed to us in a professional manner and in keeping with all lawful collections practices.

Impact on Your Credit Score - If you do not repay your loan to Credit Club, your credit score may be negatively affected.

Renewal of your Payday Loan ? Credit Club does not offer automatic renewals on its payday loans.

No unnecessary paperwork
Quick application process
No faxing required
Secure & Confidential
Need help ?
Email us now and our agents will take care of you.

Credit Club Address
15 Gamelin, Suite 401, Gatineau (Québec) Canada, J8Y 6N5

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