Emergency Loans in Canada
Approvals for emergency loans in Canada in as little as 30 minutes!
Minutes to Apply - Quick Approval
It's been getting tougher and tougher for Canadians who are trying to make ends meet. Staples are more expensive, rent has skyrocketed, and our income isn't going up with them! Our emergency loans are meant to give you a leg up in the race. No credit check needed, low fees, and help when you need it most.
Apply In Minutes
Fill in our easy one page form with basic information, employer info, and payroll. Simplicity is a strong suit of ours!
Instant Approval
Easy requirements and quick approval. It's an 'emergency' loan - literally in the name and we abide by it!
Account Deposit
No store visit necessary! Apply online and get your emergency loan sent straight into your checking account.
Repay on Payday
Next payday or 14 days from the day you received the loan - we'll withdraw with our small and transparent fee.
What They’re Saying
About Us
We're so grateful for the feedback Canadians have left on our emergency loans. From Ontario to British Columbia, to Nova Scotia, we've been able to help Canadians make ends meet. Check out our 4.7 rating on TrustPilot and read a few of our standout reviews:
Your Privacy is Important to Us
When you're in a cash crunch applying for an emergency loan, the last thing you need is to worry about your data. We'll never sell, rent, or distribute your personal and financial information. Read more about how we keep your data safe with our privacy policy.
About Our Emergency Loans
No need to complicate a simple process! We charge a small transparent fee and only loan up to $1500. You'll know exactly what you'll owe and there's no hidden charges! We're just not fans of credit checks. Who wants to wait for that when they need an emergency loan? It's going against the grain! No discrimination from us based on your score - we won't even check it. If you meet our easy requirements, you'll get our standard rate just like all our clients. We chose to get into limited and temporary advances for a couple of reasons. First, we're able to spread our wings and help more Canadians access emergency loans. Second, long-term loans add continued stress for clients and increas their debt - making their financial strains even worse. So - we got into temporary loans with limited advances capped at $1500. Four easy requirements is all you need to qualify. Our form will ask for proof of recurring income, an active checking account in your name, working phone number, and email address. With that, you're all set to apply for an emergency loan in Canada!
No Credit Checks
We're just not fans of credit checks. Who wants to wait for that when they need an emergency loan? It's going against the grain! No discrimination from us based on your score - we won't even check it. If you meet our easy requirements, you'll get our standard rate just like all our clients.
We chose to get into limited and temporary advances for a couple of reasons. First, we're able to spread our wings and help more Canadians access emergency loans. Second, long-term loans add continued stress for clients and increas their debt - making their financial strains even worse. So - we got into temporary loans with limited advances capped at $1500.
Limited Advances
What You Need
Four easy requirements is all you need to qualify. Our form will ask for proof of recurring income, an active checking account in your name, working phone number, and email address. With that, you're all set to apply for an emergency loan in Canada!
Why Choose Credit Club
Accessibility and humanity really sum up how we handle emergency loans in Canada . We not only make it easy to get the loan, but also easy to pay back. Here's how we earned that 4.7 rating on Trustpilot:
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Licensed Lender
We follow all laws and regulations in your province to a tee. Currently licensed in Ontario, British Columbia, and Nova Scotia - if you're outside our jurisdiction not to worry - we're growing fast! Look out for our emergency loans in your province soon!
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Transparent Fee Structure
We're always real clear about our standard fees. No guessing needed and no hidden charges anywhere! Pay just $14 for every $100 loaned up to $1500. It's that simple. No matter your credit score, you'll get the same standard fee all our clients receive. It's just one way we're bringing humanity back into the lending industry!
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Minimal Requirements for Cash Advances
To qualify for emergency loans in Canada with Credit Club, here's everything you'll need to get started:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
We're making it easy to get loans when you need them!
Calculate Your Emergency Loan Fee
Choose your province and the amount of your emergency loan. Our calculator will let you know exactly what you'll owe come payday.
- $100
- $200
- $300
- $400
- $500
- $600
Frequently Asked Questions
What is an emergency loan and how does it work?
An emergency loan is a short-term loan designed to help you cover urgent expenses like medical bills, car repairs, or unexpected bills. With CreditClubLoans.com, you can apply online and get funds deposited as soon as the same day.
Who can apply for an emergency loan in Canada with Credit Club?
We have 4 simple requirements for you to qualify for an emergency loan. All you need is a checking account in your name, proof of recurring income, an email, and a phone number. With that, you can get approved in as little as 30 minutes!
How much can I borrow in an emergency?
With Credit Club, we offer loans between $100 to $1500. To apply, you'll need a checking account in your name, proof of recurring income, a phone number, and email address.
How fast will I get my emergency loan?
When you need a quick emergency loan in Canada - you can trust us to offer approval in as little as 30 minutes! If your application is approved, we send your loan straight to your checking account via Email Money Transfer.
What happens if I can't pay back my emergency loan on time?
On your next payday or 14 days from the date of your loan, we'll withdraw your emergency loan along with our small fee. If the withdrawal fails, there's a $20 charge, not including any NSFs from your bank. This can happen to the best of us, and we get that - so we'll then call you to try to set up a payment plan that works. If non-payment continues, there's an annualized interest rate of 30% from the loan repayment date up to and including once payment is made. 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.
