No Refusal Payday Loans in Canada
Hassle free, no refusal payday loans in Canada in as little as 30 minutes!
Minutes to Apply - No Refusal Payday Loans
At Credit Club, our refusal rates are so low - we call them unicorns. We're as close as it gets to zero refusal, and we're proud of it! With no credit checks and limited requirements, we're taking the lending industry by storm. You'll know exactly what you'll owe before you get your loan. No surprises, no hidden fees.
Apply In Minutes
A one page online form makes our process quick, easy, and accessible. Get cash when you need it fast!
Instant Approval
When you're in a crunch, there's no time to waste. We're quick on our feet and we got you covered.
Account Deposit
No mail in checks, no in store visits. We send no refusal loans via email money transfer.
Repay on Payday
It's in the name, repay your loan on your next payday or 14 days from the date it was issued.
What They’re Saying
About Us
We wanted to change the lending industry and inject 'humanity' back into it. So, we made it easy, accessible, refused any hidden fees, and offered 100% transparency from start to finish. So far, we've garnered 4.7 rating on Trustpilot from over 3000 Canadians, see what they have to say about Credit Club:
Your Privacy is Important to Us
Our privacy policy details our commitment to our clients - your information is safe with us! We'll never share, rent, or distribute your personal and financial information.
About Our No Refusal Payday Loans
We've taken multiple steps to ensure our process is simple, transparent, and accessible. We're happy to provide Canadians with cash when they need it most without the stress that typically comes with taking out a loan. You'll find no credit checks, clear requirements and loan fees, and near instant approvals.
No Credit Checks
Your credit score holds no bearing on a no refusal payday loan with Credit Club. Credit checks take time, complicate the approval process, and make it difficult for Canadians to get the help they need. It's also a catch 22 - you can't get a loan because of your score and you can't fix your score because you can't get a loan!
Our no refusal payday loans provide up to $1500 to Canadians when they need it most. We've limited our advances to ensure we can reach more Canadians nationwide.
Limited Advances
What You Need
It's easy. As long as you have a steady income, a checking account under your name, a phone number, and email address - you can apply for a no refusal payday loan in Canada with Credit Club. That's all it takes!
Why Choose Credit Club
3000+ Canadians have trusted us with their financial needs, and we didn't disappoint! They've given us 4.7 rating on Trustpilot for our no refusal loans, and we're confident you'll feel the same way.
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Licensed Lender
We've got the credentials and are licensed to operate across several Canadian provinces. If we're not in yours just yet, not to worry - we're growing fast! We follow strict federal guidelines and are fully licensed in Ontario, British Columbia, and Nova Scotia.
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Transparent Fee Structure
No surprises and no hidden fees. Our no refusal loans include a standard fee of $14 on every $100 borrowed for up to $1500. Knowing exactly what you'll owe is part of our commitment to Canadians who need a little help getting to payday. If you happen to miss repayment, that fee is low too - click here for full details.
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Minimal Requirements for No Refusal Payday Loans
Online accessibility means our no refusal payday loans in Canada are available 24/7! Just 4 easy and achievable requirements include:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
Approvals are near instant and our refusal rate is as low as it gets. Get yours in as little as 30 minutes!
Calculate Your No Refusal Payday Loan
As part of our pledge of transparency, use our loan calculator to know exactly what you'll owe come payday.
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Frequently Asked Questions
Will a no refusal payday loan in Canada require a credit check?
Not with Credit Club. It's simple, we just don't do credit checks. That catch 22 has so many Canadians thrown into a loop that it's become almost impossible for those with bad credit to get a helping hand. And that's at a time when we're all feeling the cash crunch. So, as long as you have a steady income, a checking account in your name, a phone number, and an email - you can apply for a no refusal payday loan of up to $1500 in as little as 30 minutes!
What do I need to get a no refusal loan asap?
This is all you'll need to apply for no refusal loans with Credit Club:
• Have a steady income from an employer
• Provide a checking account in your name
• Share an active phone number where we can reach you
• Provide your email address
With that, you can get up to $1500 at a fee of $14 for every $100 borrowed. We tend not to refuse applicants, but keep in mind that there are rare cases. It takes only 30 minutes to apply and you can see exactly what you'll owe come repayment with our handy loan calculator.
Is a no refusal payday loan really a guarantee?
We rarely refuse a loan, so much so that yes, we consider ourselves a no refusal payday lender! There are those rare instances, but ultimately, due to our basic requirements, you're almost guaranteed a loan when you apply with Credit Club. Our process is easy, our fees are transparent, and our requirements are simple. All you need to apply is a steady income, a checking account in your name, a phone number, and an email. We don't do credit checks and we don't do hidden fees. We've got a 4.7 on TrustPilot from over 3000 Canadians because we bring 'humanity' back into the lending industry!
Which bank offers the best no refusal payday loans in Canada?
Funny enough, it's not a bank at all. Over 3000 Canadians on TrustPilot and a 4.7 star rating attest to Credit Club being one of the best no refusal payday loan lenders. When you're looking for a break before payday, you don't have time to wait around for bank level restrictions to go through. Our no credit check policy allows us to offer same day approvals. With transparency in our mission, you'll know exactly what you'll owe come payday, and you'll appreciate we also have a no hidden fee policy! We charge $14 on every $100 borrowed for up to $1500 no matter who applies or what their credit score is. Getting cash when you need it is now a reality for all Canadians!
What happens if I can't make the repayment on a no refusal loan?
Stuff happens, we get that. Our non re-payment fee is just $20 - not including any NSF fees from your bank. We'll then chat with you and come up with a plan that works for everyone. After that, we have an annualized interest rate of 30% - for more details, 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.
