Small Term Loans in Canada

We define a small loan as borrowing anywhere from $100 to $1500. Our small loans are meant to help Canadians in a cash crunch temporarily between paydays. You might have a medical emergency, need to pay an unexpected bill, or just need to make ends meet. Our fees are standard at $14 per $100 borrowed - no hidden fees and no credit checks! You can get your loan in as little as 30 minutes, because when you need cash now - waiting is not an option!

Get a small loan in as little as 30 minutes with Credit Club. Here's all you'll need 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 If you meet these simple requirements, you're eligible to apply for a fast small loan up to $1500. We only charge $14 for every $100 borrowed - no hidden fees! See exactly what you'll owe using our loan calculator. Repayment is typically on your next payday or 14 days from the date of your loan. If you happen to miss the repayment, we'll add a small fee of $20 to your amount, not including any NSF fees from your bank. Click here to learn more about our non-repayment process.

Yes! A small loan is just that, small. And we know that if you need a small loan, money's tight - whether you have good or bad credit. That's why we don't do credit checks. If you have a steady income, a checking account in your name, a phone number, and an email address - you can apply to get a small loan in Canada of up to $1500 with Credit Club. We're happy to help - just ask over 3000 clients who have given us 4.7 stars on TrustPilot!

Credit Club. All you need to apply is a steady income, a bank account (checking) in your name, a phone number, and email address. Once you apply, our approval process is fast and you can get your small loan in Canada in as little as 30 minutes! Our fees are small at $14 per each $100 borrowed and we don't believe in hidden fees!

Before getting a small loan with Credit Club, you already know our standard fees of $14 per $100 borrowed, because we're really transparent. After the small loan, repayment is expected on your next payday or 14 days after the loan was taken. So, if you borrowed $100, we'll auto-withdrawal $114 on that date. If you miss the repayment, we have a $20 fee (not including any NSF charges from your bank). At this point, your $100 loan would have cost $134. Then, we'll get in touch and figure out a repayment plan that works for you. Continued non-payment is charged an annualized interest rate of 30% - for more details, click here.

You can get small loans with credit checks quickly through our site. You apply online using a short, straightforward form. No paperwork piles. No credit checks. We look at your income and bank details instead; real-world stuff that tells us whether repayment makes sense. We review everything quickly, walk you through the terms, and show you the full cost before you commit to anything. If you’re approved, your money is sent directly to you, often the same day. Repayment terms are clear and the loan payment schedule is timed with your next payday, so you know exactly when it’s coming out and how much.

Fast. That’s kind of our thing. Once you’re approved for a small loan, we send your loan straight to your bank account. In many cases, that happens the same day, sometimes in as little as 30 minutes. The exact timing of our quick funding can depend on your bank, but we don’t slow things down on our end.

When money’s tight and time matters, we move quickly so you can focus on what needs to get paid.

Yes, and there’s no downside to doing it. If you’re able to repay your small term loan before your due date, you can. No penalties. No extra charges. You’ll only pay back what you borrowed plus the standard fee you saw upfront. That’s it. We don’t believe in locking people into timelines that no longer make sense. If your situation improves or your pay comes in early, you should be able to move on without friction.

They can be, when they’re used the right way. Short-term loans are designed for moments when waiting isn’t an option. They’re designed for covering an emergency expense or bridging a gap between paycheques, but this access to fast cash is not meant to solve long-term financial challenges. Most importantly, they shouldn’t create new ones. That’s why the details matter. You need to know the total cost, the repayment date, and how it fits with your next pay. When the numbers are clear and the plan lines up with your income, a short-term loan can be a practical solution.