Updated August 2026.
Canada cash advance fee matrix and methodology: what each major app costs at $100, $500 and $1,000, which provinces they serve, and how PockBox verifies fees from primary sources—not aggregator scrapes.
Use this page as the living source for our best Canadian cash advance apps hub, amount guides and reviews. Figures below are typical mandatory fees if you qualify for advertised pricing—confirm in-app before you accept.
Affiliate disclosure: PockBox may earn a commission when you sign up for products through links on this page, at no extra cost to you. Rankings and fee tables are editorial; affiliate status does not change a published fee or limit.
Fee matrix v1 — cost at common amounts
Swipe sideways on mobile. NotchUp is shown for cost honesty—it is never our default overall #1.
| Amount | Bree (standard) | NotchUp ($5)* | Wagepay (≤14%) | Nyble / KOHO |
|---|---|---|---|---|
| $100 | $0 | $5 | Up to $14 | $0 base or plan fees |
| $500 | $0 | $5 | Up to $70 | Often over Nyble/KOHO max |
| $1,000 | N/A (max $750) | $5 | Up to $140 | Usually N/A — use loans |
*NotchUp $5 flat with payroll link (per notchup.app). Bree express and optional tips are extra. Wagepay: BC/ON/AB; ≥$400/week employer income; ~60 days bank history; licences BC #86410, ON #4741466, AB #359836.
Product snapshot (limits & delivery)
| App | Max (published) | Fee model | Typical speed | Credit check |
|---|---|---|---|---|
| Bree | Up to $750 | $0 standard; express fee in-app; tip optional; membership $2.99/mo optional | 1–3 days free; express minutes | No |
| Nyble | $30–$250 line | Free base; optional $11.99/mo | Instant with membership | No hard check (reports to Equifax) |
| Wagepay | Up to $1,500 (returning); min $100 | Up to 14% flat | Interac, often minutes | No Equifax/TU |
| KOHO Cover | Up to $250 | Cover from ~$2/mo + KOHO plan | Instant in-app | No |
| NotchUp | Up to ~50% of pay / $1,500 | $5 flat with payroll; variable without | ~15 min Interac | No |
| NoJuice | Up to $500 | $2.99/mo; tips optional | Same day (varies) | No |
| Loans Canada / Spring | $500–$50k+ | Lender APR / fees | Days, not minutes | Usually yes |
Province eligibility matrix
Availability changes. Always confirm in-app for your address. “Broad CA” means the brand markets nationally; local rules still apply.
| App | BC | ON | AB | QC | MB / SK | Atlantic / Territories |
|---|---|---|---|---|---|---|
| Bree | Yes* | Yes* | Yes* | Yes* | Yes* | Yes* |
| Nyble | Yes* | Yes* | Yes* | Confirm | Confirm | Confirm |
| KOHO Cover | Yes* | Yes* | Yes* | Confirm | Confirm | Confirm |
| Wagepay | Yes | Yes | Yes | No | No | No |
| NotchUp | Yes* | Yes* | Yes* | Confirm | Confirm | Confirm |
| Personal loans (LC / Spring) | Lender-dependent | Lender-dependent | Lender-dependent | Lender-dependent | Lender-dependent | Lender-dependent |
*Markets service across Canadian provinces/territories per brand sites (August 2026)—confirm eligibility for your postal code. Wagepay help centre explicitly lists British Columbia, Ontario and Alberta only.
How we verify (methodology)
- Primary sources only for fees and limits—brand help centres, pricing pages, in-app disclosures and provincial licence registries when published. We do not treat review aggregators as sources of record.
- Fee matrix uses mandatory cost at advertised pricing (e.g. Bree standard $0; Wagepay up to 14%; NotchUp $5 with payroll). Optional tips, express upgrades and subscriptions are called out separately.
- NotchUp can win on cost and still not be ranked #1 overall—we separate “cheapest qualified fee” from “best default pick.”
- Recheck cadence: commercial Canada pages carry a month-year freshness line (e.g. Updated August 2026). Material fee/limit changes update this matrix and linked reviews.
- Amount intent for instant $25–$1,000 lives on Overdraft Apps; comparison authority lives on PockBox.
Primary sources we cite
- Wagepay help centre — fees, provinces, $400/week, 60-day bank, licences
- Bree FAQ — $750 max, 0% standard, express/tips
- Nyble — line range and membership
- NotchUp — $5 payroll fee, funding claims
- KOHO Cover / NoJuice — brand marketing pages (confirm in-app)
Know your amount?
Instant Canada guides on Overdraft Apps:
$25 ·
$50 ·
$100 ·
$500 ·
$1,000.
Related PockBox guides
Frequently asked questions
Which Canadian cash advance is cheapest at $500?
If you qualify: Bree standard delivery ($0) or NotchUp’s $5 flat with payroll. Wagepay can cost up to $70 (14%). Cheapest fee is not always the best fit—limits and province rules matter.
Why isn’t NotchUp #1 if it’s cheap?
Cost is one factor. Mixed re-approval feedback, payroll-link requirements and first-limit variability mean we often default to Bree ($0 standard) or Wagepay (higher returning limits in BC/ON/AB) depending on need.
Does PockBox score apps like Overdraft Apps?
ODA publishes editorial scores for its US-heavy directory. This Canada matrix is fee/limit/eligibility verification for Canadian products—not a 1–10 score table.