Minutes to Apply - Instant Payday Loan
Sometimes payday doesn't come soon enough, so we've designed our process to give Canadians instant loans online when they need it most. We also take out the guess work by clearly stating our small fee, allowing you to know exactly how much you'll owe come payday.
Apply In Minutes
A one-page form that's easy to fill out - because when you need same day loans, there's no time to waste.
Instant Approval
Canadians appreciate how quickly we approve applications - when you need a payday loan fast, we got you covered.
Account Deposit
No need to visit a physical location, we'll send your instant loan via Email Money Transfer right away.
Repay on Payday
Once payday rolls around, we'll auto-withdraw the full amount of your loan plus our small fee of $14 on every $100.
What They’re Saying
About Us
With 4.7 rating on Trustpilot, it's clear our clients love how much we've simplified the process of instant loans online. No hassles, no calls, no in-branch visits. Fast online payday loans are more accessible than ever.
Your Privacy is Important to Us
We take your trust in us very seriously. We'll never sell, rent, or distribute your personal and financial information. Read more about our commitment to clients in our privacy policy.
About Our Instant Loans
Transparency is at the core of what we do. Our fees are clear and standard across all of our same day loans, no matter your credit score. A small fee of $14 on every $100 loaned is charged upon repayment. Use our loan calculator to see exactly what you can expect to repay.
No Credit Checks
A credit check will almost always drag out the instant loan process - so much so that it couldn't be called 'instant'. That's why we've eliminated the need for one at all. We don't need your credit score to determine if you're eligible for a same day loan with Credit Club. Instead, we've introduced standard fees for all. No credit score discrimination here.
Just about anyone with a steady income and checking account can apply for up to $1500 from Credit Club. We don't loan out beyond that amount, which allows us to help more Canadians in their time of need.
Limited Amounts
Requirements
Just four simple requirements including a recurring income from an employer, a checking account under your name, working phone number, and email are needed to apply. We've made it simple to be able to offer fast online payday loans across Canada.
Why Choose Credit Club
Because we're easy, accessible, and trusted by over 3000 Canadians and counting! Everyone is feeling the cash crunch nationwide and we understand that time is of the essence.
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Licensed Lender
We only operate where we're licensed - currently in Ontario, British Columbia, and Nova Scotia. We're growing rapidly and our mission is to bring instant payday loans to Canadians across the country.
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Transparent Fee Structure
Most lenders give our industry a bad name and we're here to change that. Our fee structure is simple and to the point - just $14 on every $100 loaned, and that's it. Repayment is typically expected on your next payday or fourteen days from the time of your instant loan. Click here to learn about non-payment fees.
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Minimal Requirements for Instant Loans
It doesn't take much to apply for an instant payday loan with Credit Club - we have four requirements to apply:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
The entire process can take as little as 30 minutes to get your same day loan sent via Email Money Transfer.
Calculate Your Instant Loan Fee
Select your province and instant loan amount - our loan calculator will show you exactly what will be owed!
- $100
- $200
- $300
- $400
- $500
- $600
Frequently Asked Questions
How can I get a same day loan?
Simply fill out our form for instant payday loans online if you have:
• An active checking account in your name
• A steady recurring income from a formal employer
• An active phone number and email address
If you meet these criteria, you're eligible to apply for an instant loan from Credit Club!
How can I borrow $1500 with bad credit?
We've got only four easy to achieve criteria to apply for instant online payday loans - and a credit check isn't one of them! We offer standard rates across the board between $100 and $1500 loans with a $14 fee per every $100. To calculate the fee on $1500, simply multiply 15 (number of $100 loaned) x 14 (fee per $100 dollars loaned) to get the total fee amount of $210. Or simply head to our loan calculator.
How can I borrow cash immediately?
Head to creditclubloans.com to fill out a short form and apply for our instant payday loan. Get up to $1500 in as little as 30 minutes for a small transparent fee.
Can I get multiple instant loans in Canada?
With Credit Club, you can borrow up to $1500 using our instant loans in Canada. After repayment, simply wait 1 business day to apply for a second instant payday loan. To apply, you'll need to have recurring income from an employer, a checking account in your name, an active phone number, and an email address.
Do instant loans in Canada hurt your credit?
Only if you miss the repayment period. At Credit Club, we don't check your credit as a requirement for an instant loan in Canada, so there's no ding on your credit for the loan itself. If you miss the repayment there's a $20 fee associated with our service and likely NSF fees from your bank for the failed withdrawal. If a repayment arrangement isn't settled, we charge an annualized interest rate of 30% - for more details on missed repayments, click here.
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.
