All the answers you need

You have come to the right place! Credit Club does not run any credit checks as part of the application process.

Yes, you can cancel your loan within two business days of the issue date without any cost or fees — simply return the principal. To cancel your loan, call Customer Service at 1-866-825-1164 Monday through Friday from 8:30 AM to 4:30 PM ET or email us at [email protected].

Credit Club does not process any credit checks.

To be considered for approval, you must:

  • Have an active bank account
  • Be at least 18 years of age
  • Be currently employed for more than three months with the same employer
  • Be a resident of Ontario or British Columbia

Your due date will normally be on your next payday or 14 days from the date the funds have been deposited into your bank account.

Once you have been approved for a loan we will notify you by email. You can expect a decision within one hour of submitting your electronic banking verification during our business hours.

During Holidays and weekends your application may be approved by our automated system. If you do not receive an answer within one hour, your application will be processed first thing on the next business day.

New customers may qualify for up to $500. Credit Club members can receive up to $1,500.

If you submit an application Monday to Friday between 11 and 13:00 EST you will have the funds directly deposited into your bank account the same day*.

If you submit an application between 13:00 and 11 you will receive the funds by email money transfer within 5 minutes of signing the loan agreement.

If you submit an application on weekends and Holidays you will receive the funds by email money transfer within 5 minutes of signing the loan agreement.

*Direct deposits will occur between 3pm and 10:30pm EST. Variation in deposit times is due to the timing of the loan agreement signature and on the financial institution. All funds can only be sent once the loan agreement has been signed.

No. We do not offer refinances or offer new loans to pay off existing payday loans.

We will send an email three days prior to your due date reminding you that your loan is coming due. Your bank account will be automatically debited on the due date, so there's no need to send payment by mail.

If your payment is received after the due date, it will be considered late, and you might be charged an NSF fee.

Yes. You can pay off your loan at any time before your due date without extra fees or penalties. Simply send your payment by email money transfer to [email protected] and use your social insurance number as the answer to the security question (optional). Your balance is available in the member login area. Please make sure to send the email money transfer at least two business days prior to your payment due date or else your bank account may also be debited for the amount due.

The next business day.

Your password is your social insurance number.

Get your loan with these 4 easy steps


Apply online in minutes


Receive instant approval


Funded directly in your bank account


Repay upon your next payday

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Lender licence

Ontario 4726568

British Columbia 64068

Nova Scotia 222985929

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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.

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 $15 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $45 and the payback amount $345.

Nova Scotia : We charge $15 per $100 borrowed. Example of the total cost of the loan, for a $300 loan the cost of borrowing will be $45 and the payback amount $345.

Annual Percentage Rate Disclosure

Ontario and British Columbia : Annual Percentage Rate (APR) varies from 90% to 391.07%. The minimum and maximum for repayment period is 62 days. For further details on APR, please refer to the FAQs and Pricing.

Nova Scotia : 391.07%.

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.

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Quick application process
No faxing required
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Credit Club Address
15 Gamelin, Suite 401, Gatineau (Québec) Canada, J8Y 6N5

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