Minutes to Apply - Instant Payday Loan Approval
At a time where Canadians are facing financial struggles more than ever before, we're making payday loans accessible online. With minimal requirements, low standard fees, and a no credit check policy - you can receive your payday loan in the same day you apply.
Apply In Minutes
No time to waste? No problem. We ensure efficiency with a one page form that's simple and easy to fill-in with just 4 requirements.
Instant Approval
Hear back from us in as little as 30 minutes - our wait times are short so you can get temporary financial relief fast.
Account Deposit
Receive your online payday loan right into your checking account. Upon approval, you'll get quick access to your loan.
Repay on Payday
We'll withdraw your pay day loan once your next payroll check is scheduled to come in. You'll know exactly what you owe beforehand!
What They’re Saying
About Us
We're changing the industry of payday loans in Canada and honored to offer temporary financial relief when it's needed most. Our clients have given us a 4.7 rating on Trustpilot, citing accessibility, low rates, quick approval, and no credit checks. Here's what they're saying:
Your Privacy is Important to Us
When you apply for an online payday loan - you're sharing sensitive information with us - thank you for your trust! We'll never sell, rent, or distribute any of your personal or financial details. Read more about how we protect your data in our privacy policy .
About Our Payday Loans
We've simplified the payday loan process for Canadians. No need to set foot in a physical store, we operate online and ask for four simple requirements - here's everything you need to know:
No Credit Check
You know that financial turmoil you went through years ago that stumped your credit? We don't, and we won't, because we don't do credit checks. We believe that no matter what your financial history is, everyone deserves a helping hand every once in a while. Your score won't determine whether or not you get approved for a payday loan in Canada with Credit Club!
As temporary payday lenders, you can apply for $100 to $1500 as needed. We've opted out of long-term lending to be able to offer the flexibility that we do and reach more Canadians when they're in a financial crunch paycheck to paycheck.
Limited Advances
What You Need
To apply for a payday loan online with us, all you need is a checking account in your name, a steady source of income, a phone number, and an email. We'll send your loan via Email Money Transfer so you get access to cash as quickly as possible!
Why Choose Credit Club
We're pioneering online payday loans in Canada! Making it accessible, affordable, and fast! Here's why you should choose us as your trusted lender:
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Licensed Lender
Fully licensed to operate in British Columbia, Ontario, and Nova Scotia - and we're growing fast! Ask about our lender's license - you can trust our strict obedience to both provincial and federal guidelines.
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Transparent Fee Structure
We keep it simple - just $14 on every $100 borrowed, up to $1500. Aside from that, there are zero additional charges if the payday loan is fulfilled on time. If, for any reason, you can't make the repayment, we have a small $20 fee, not including any bank NSFs. Click here to learn more on continued non-repayment.
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Minimal Requirements for Express Loans
Simplicity is at the core of our payday loans in Canada - here's all you need to apply:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
That's it! We'll get back to you in as little as 30 minutes with an update on your application!
Calculate Your Loan
Choose your province and your requested payday loan amount and we'll calculate exactly what you'll owe - no hidden charges!
- $100
- $200
- $300
- $400
- $500
- $600
Frequently Asked Questions
How do payday loans in Canada work?
Easy if you ask us! You only need 4 simple requirements to apply - a checking account in your name, steady income, phone number, and email. You can get aproved in as little as 30 minutes, and your online payday loan is deposited straight into your account via Email Money Transfer. As an online payday lender, we're making loans accessible to Canadians nationwide - no credit checks required!
How much can I borrow with a payday loan?
Up to $1500 with our etransfer payday loans in Canada! We limit our loans so we can help more Canadians during their time of need. Groceries, rent, everything is considerably more expensive these days, and sometimes you just need a little extra cushion before your next paycheck. We make it easy with fast approvals, no credit checks, and affordable standard fees that don't add to the financial stress you may already be experiencing!
What do I need to apply for an online payday loan?
Proof of a steady recurring income, checking account in your name, phone number, and email. That's it! We keep our requirements simple and accessible to Canadians. We don't do credit checks and our fees are standrad and low for all our clients. Pay just $14 for every $100 loaned.
Are payday loans available for bad credit borrowers?
That's one way we're changing the payday loan industry - we don't do credit checks. Too often, Canadians are turned away from getting the financial help they need. With so many of us living paycheck to paycheck, it can be difficult making ends meet. We don't discriminate based on your score - we won't even know what it is during the application process! If you meet our four simple requirements, you can apply for payday loans in Canada and have your cash desposited within 30 minutes upon approval.
Something came up and I can't repay my payday loan - what's next?
We get it - it happens to the best of us. If for any reason you can't make your loan repayment, we have a small $20 charge for the failed withdrawal - not including any NSFs from your bank. Our compassionate agents will then call you to work out a payment plan - continued failed payment can result in an annualized interest rate of 30% from the loan repayment date up to and including once payment is made. Click here to learn more.
We highly discourage our clients from taking out any type of loan if they're unsure they can make the repayment due date. Our mission isn't to collect on that annualized interest rate, it's to provide cash relief to Canadians in a crunch. Consider whether or not you truly need a loan before you apply and feel free to contact us if you have any questions.
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.
