Minutes to Apply - Small Loans
There's no need to complicate a small loan. Sometimes you need a little extra before payday to get you through the week and we want to make it as easy as possible for Canadians. Our process values urgency when you need it most with transparent fees, no credit checks, and a hassle free application.
Apply In Minutes
Our online one page form is all it takes to apply for a small loan with 4 simple requirements.
Instant Approval
In as little as 30 minutes, thanks to our no credit check policy. We help Canadians who need cash fast with an honest lender.
Account Deposit
No visit into a physical location needed - we use email money transfer to get you funds fast.
Repay on Payday
Repay your small loan once payday rolls around with a small transparent fee - just $14 for every $100 borrowed.
What They’re Saying
About Us
Our game changing transparency in the lending industry is a hit! Our clients appreciate knowing what they'll owe in advance and the accessibility we bring to small loans in Canada. Here's what they have to say:
Your Privacy is Important to Us
We understand that trust is earned and we'll never share, rent, or distribute your personal and financial information. Read more about our commitment to our clients in our privacy policy.
About Our Small Loans in Canada
Limited requirements, no credit check, and quick approvals are just the beginning. Our repayment fee is clear from the get-go with a standard $14 on every $100 borrowed. We don't believe in hidden fees - use our loan calculator to know exactly what you'll owe come payday!
No Credit Checks
Credit checks not only delay the process of a small loan, but they're also an unnecessary barrier. We don't discriminate against those with bad credit and we understand that times can be tough for everyone, regardless of their score. Our fee doesn't change or increase based on a client's borrow history and that allows our small loans to be more accessible nationwide.
We limit our small loans to $1500 no matter your loan history. That allows us to offer temporary financial relief to more Canadians when they need it most.
Limited Advances
What You Need
Simplicity is at the core of our small loan process. All you need to apply is a steady income, a checking account under your name, a phone number where you can be reached, and an email. With that, you're welcome to apply for a small loan in Canada with Credit Club!
Why Choose Credit Club
A 4.7 rating on Trustpilot from over 3000 clients speaks to the transparency and simplicity we bring to the loan industry. Canadians are feeling the crunch with inflation and higher prices, we help them get approved fast for a small loan to get them through to payday.
-
Licensed Lender
We abide by all federal guidelines and only operate where we have an active license. Our adherence to these strict policies is just one reason Canadians trust our easy and accessible small loans.
-
Transparent Fee Structure
It's not everyday a lender provides a loan calculator to increase transparency in their fees. Our small loan fee is always $14 for every $100 borrowed - no more, no less. It's a standard small loan rate for all clients with a guarantee of no hidden fees. Canadians are struggling to make ends meet and our aim is to give them uncomplicated temporary relief when they need it. Click here to learn about our non-payment fee..
-
Minimal Requirements for Small Loans
No credit check or long complicated processes with Credit Club. Here's what you'll need to apply for a small loan in Canada:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
We're fast, too. You can receive your funds in as little as 30 minutes via email money transfer straight into your checking account.
Calculate Your Small Loan
Choose your province and your small loan amount - our loan calculator will show you exactly what you'll owe come payday:
- $100
- $200
- $300
- $400
- $500
- $600
Frequently Asked Questions
What's considered a small loan?
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!
How can I get a small amount of money instantly?
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.
Can I get a small loan in Canada if I have bad credit?
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!
Which loan company is easiest to get in Canada?
Credit Club. All you need to apply is a steady income, a checking account 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!
What does Credit Club's repayment process look like?
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.
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.
