Minutes to Apply - Personal Loan
We make taking out personal loans easy for Canadian residents. Fill out our quick one page form and you can get approved in as little as 30 minutes. Our fees are small and transparent - we make sure you know exactly what you'll owe before you get your loan.
Apply In Minutes
Just a one page form - no need for a long complicated process or credit checks for your personal loan.
Instant Approval
No credit checks means approval is near instant - we're changing the personal lending industry with simplicity.
Account Deposit
We send out personal loans via email money transfer for quick access.
Repay on Payday
Our repayment process typically lands on your next payday or 14 days after receiving your personal loan.
What They’re Saying
About Us
Credit Club clients appreciate our quick process, clear fees, and how we make all types of personal loans accessible online. These are just some of the reasons they've given us 4.7 rating on Trustpilot - see what they have to say:
Your Privacy is Important to Us
We value your privacy and the trust you've put in us as a personal lending firm. We will never share, rent, or distribute your personal and financial details. Learn more about our commitment to you in our privacy policy.
About Our Personal Loans in Canada
Currently licensed for personal lending in certain provinces, we're expanding rapidly. Before you fill out our quick form, head over to our loan calculator. There, you'll be able to see exactly what our transparent fees will look like for your personal loan.
No Credit Checks
Credit checks discriminate against those who may have just gone through a tough time temporarily. We get that and removed the need for a credit check through our personal lending platform. If you meet our four simple requirements, you're eligible to apply for a personal loan in Canada with Credit Club.
Receive up to $1500 with personal loan fees of $14 for every $100 borrowed. We limit our loan amounts to align with our mission to help Canadians make ends meet when they're strapped for cash.
Limited Advances
What You Need
Four simple requirements help our personal loans remain accessible. With a steady income, checking account under your name, phone number, and email - you're qualified to apply for personal loans in our licensed provinces up to $1500.
Why Choose Credit Club
With a 4.7 rating on Trustpilot from over 3000 Canadians, you know you can trust our simple personal loans process. Everything from groceries to rent have increased nationwide, and we're here to help you make it to next payday.
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Licensed Lender
Credit Club is fully licensed to operate in several provinces across Canada while following strict federal guidelines and restrictions. We're growing fast thanks to the exceptional feedback we've received from borrowers, so if we're not yet in your province, stay tuned!
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Transparent Fee Structure
The personal loan industry isn't known for its transparency and accessibility - we're changing that! By clearly stating our fees and refusing to use any hidden fees, we've been able to reach more Canadians. Our standard fees are $14 on every $100 borrowed - no gimmicks. We pride ourselves on our low non-payment fee, too - click here to learn more.
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Minimal Requirements for Personal Loans
This is all you'll need to apply for personal loans with Credit Club:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
Our approval process is fast and you can check what personal loan rates you can expect with our loan calculator.
Calculate Your Personal Loan
Choose your province and enter in your personal loan needs to see what you'll owe when repayment rolls around.
- $100
- $200
- $300
- $400
- $500
- $600
Frequently Asked Questions
Which bank will give away a personal loan easily?
Getting a loan from a bank in Canada is usually a long process - typically involving a credit check, an inquiry into the purpose of the loan, and more. In our opinion, there's not much that's 'easy' about that. At Credit Club, taking out personal loans actually is easy. All you need is a steady income, a checking account in your name, a phone number, an email, and you can apply in minutes! Approval comes in almost just as fast - and we don't need a credit check to do it!
How can I get a personal loan in Canada?
Taking out personal loans with Credit Club will involve these four simple requirements to apply:
• 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 those requirements in hand, you can apply for a personal loan of up to $1500. Use our loan calculator to see how much will be owed once repayment comes along. We've simplified repayment with a clear fee of $14 for every $100 borrowed. For more details around missed repayment fees, click here.
How much will it cost for a $1000 personal loan?
A $1000 personal loan in Canada with Credit Club will include a $140 repayment fee. Our personal loan fees are transparent at $14 per $100 borrowed - no more, no less, no hidden fees, and no gimmicks. Use our loan calculator to see what you'll owe with up to a $1500 personal loan and see why our clients have given us 4.7 stars on TrustPilot.
What are the different types of personal loans?
Personal loans can range from a mortgage, car finance loan, unsecured loans, debt consolidation loans, and more. At Credit Club, we have lending limits that allow us to provide personal loans in Canada to those who can use help with cash temporarily. We provide up to $1500 loans at $14 per $100 borrowed. Temporarily relief for a surprise medical emergency, a big purchase, or simply to make ends meet before payday. No credit check, no hidden fees, and a clear re-payment process.
What happens if I miss repayment on my personal loan?
A missed re-payment will incur a $20 charge from Credit Club and any applicable NSF fees from your bank. If repayment still isn't made, we'll contact you to talk about your options and discuss our 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.
