Up-front rates with no hidden fees

At Credit Club, there are no hidden fees or charges. You can join Credit Club and apply for a loan free of charge.

To know how much your loan will cost, simply click on our logo on the top left side of our website. Then simply choose your province and all the information will show up.

Unsuccessful Payment Fee

When an automatic payment fails and is rejected by your bank, an Unsuccessful Payment Fee is charged to cover the cost Credit Club incurs on the transaction. This could happen if there is insufficient balance in your bank account, the bank account has been closed or if the account is otherwise suspended. The amount of an Unsuccessful Payment Fee varies from $20.00 to $50.00 and you may also incur an overdraft charge from your bank.

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

Apply for a loan now
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Ontario 4726568

British Columbia 64068

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.

Online 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.

APR Disclosure

APR varies from 90% to 390% for a term of 14 to 62 days for first time customers. For further details on APR, please refer to the FAQs and Pricing.

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 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 Loan ? Credit Club does not offer automatic renewals on its payday loans.

Do you have a bad credit ? Credit club has the solution for you.

No unnecessary paperwork
Quick application process
No faxing required
Secure & Confidential
Need help ?
Call us now and our customer service will take care of you. 1-866-825-1164

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