Most people who land here already have one app in mind and want to know what else will send them money. Below are the six Canadian cash advance apps we track, what each one costs you in dollars, and who each one actually suits.
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Under $100
Nyble
$0 on the free plan, and it reports the repayment to Equifax, so a small draw does something for your credit file.
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$100 to $750
Bree
$0 across the whole range on standard delivery, no credit check and no monthly plan needed. Pay only if you want it the same day.
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$750 to $1,500
Wagepay
The highest ceiling of any app here, in British Columbia, Ontario and Alberta. A one-time fee of up to 14%, so $14 on $100.
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Need more than $1,500? Compare personal loans from $500 to $50,000.
Top picks
Bree
Top pick- Amount
- $15 to $750
- Monthly fee
- None needed
- To get it fast
- $2.99 to $45.99
Bree approves up to $750 with no credit check, and the standard transfer is free at any amount, so $100 and $500 both cost $0. What you pay is time: the free transfer lands in about 3 business days. If you need the money sooner, express delivery costs $2.99 to $45.99 and the app shows you the exact fee before you confirm. Your first limit is usually below $750 and rises as you repay on time.
Bree also has no real floor. Most apps will not release less than $50, so if you want to take only what you need and repay it quickly, Bree will go down to $15.
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- What the advance costs
- $0 in interest when you pick standard delivery and set the tip to $0. Borrow $100, repay $100 on day 90, and the total cost is $0. Express delivery is the only fee you cannot avoid if you need the money the same day.
- Tips
- Bree asks for a voluntary tip. You can set it to $0. The tip does not change whether you are approved or how much you can take.
- Membership
- Optional, $2.99 a month after a 30 day free trial. You do not need it to get an advance.
- Repayment
- A fixed 90 day term. You can repay early at no extra cost.
- Credit
- No credit check. Bree does not report your advance to the credit bureaus, so it will not build your credit and a late payment will not show up there either. Bree does not send accounts to collections without your consent.
- Who can get it
- You are 18 or older, you have a Canadian bank account, and money lands in it regularly. Government benefits count as income. You can link your bank account or upload PDF copies of your statements instead.
- Where it works
- Canadian residents. Bree does not publish a province list, so check the app for your province before you rely on it.
- Source
- Bree’s Google Play listing, “About this app”, checked 19 August 2026.
Wagepay
Minutes, nothing monthly- Amount
- $100 to $1,500
- Monthly fee
- None
- Cost to borrow $100
- $14 once
Wagepay goes to $1,500, which is twice Bree’s ceiling and six times what Nyble or KOHO Cover will approve, so it is the app to use when you need a larger amount. It advances part of your pay before payday, there is nothing to pay every month, and the money arrives by Interac e-Transfer, usually within minutes. The cost is a one-time establishment fee, which is Wagepay’s name for the charge to set up the advance, of up to 14% of what you take: $14 on $100, $70 on $500, $140 on $1,000. It is the only app here whose price moves with the amount, so it is good value at $100 and expensive at $1,000.
Wagepay is a licensed payday lender in all three provinces it serves: British Columbia licence #86410, Ontario #4741466, Alberta #359836. At $500 and $1,000 it is genuinely expensive, and we say so lower down the page.
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- What it costs as an annual rate
- Wagepay publishes three examples. In British Columbia, $300 over 14 days works out to 365% APR. APR means annual percentage rate, the cost of the money expressed as a yearly figure. In Ontario, $500 over 14 days costs $70 to borrow, so you owe $570, which is also 365% APR. In Alberta, $100 over 62 days works out to 82.42% APR, because Alberta terms run 42 to 62 days and are repaid in 2 to 7 payments.
- Other fees
- None. Wagepay charges no pre-authorised debit fees (a pre-authorised debit, or PAD, is an automatic withdrawal from your bank account), no late fees, no NSF fees for a payment that bounces, and no card processing fees. Your own bank can still charge you if the account goes short.
- How much you get first time
- New customers usually get up to about a quarter of their pay. Returning customers can reach $1,500.
- Who can get it
- You are 18 or older, you live and work in British Columbia, Ontario or Alberta, at least $400 a week from an employer lands in your bank account, and the account has roughly 60 days of history.
- Credit
- No credit check. Your employer is never contacted.
- Source
- Wagepay’s own help centre, “Costs” section, checked 19 August 2026.
Nyble
Best for credit- Amount
- $30 to $250
- Monthly fee
- $0, or $11.99
- Interest
- 0%
Nyble gives you a credit line, which is a set amount you can draw from and pay back again, of $30 to $250 at 0% interest. The base plan is free. It reports your on-time payments to Equifax, so paying it back can help build your credit history. To get an instant transfer you need the $11.99 a month plan, and you can cancel it at any time. The $250 ceiling is the real constraint here: this is a credit-building tool that happens to lend, not a way to raise a few hundred dollars.
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- What the paid plan adds
- $11.99 a month buys instant transfers, rewards, identity theft coverage and balance protection. Cancel at any time. Without it you still get the credit line, just not the instant transfer.
- Credit
- No hard credit check, which means no search that other lenders can see. Nyble reports your on-time payments to Equifax, one of Canada’s two credit bureaus. The free plan includes credit monitoring and your Equifax score.
- Who can get it
- You are the age of majority in your province, you have a valid Canadian bank account, and more than $1,000 a month in direct deposit income lands in it.
- Source
- Nyble product pages, as published in our Nyble review.
KOHO Cover
- Amount
- Up to $250
- Monthly fee
- From $2 plus a plan
- How fast
- Instant in the app
KOHO Cover is an interest-free advance of up to $250 with a $0 advance fee, and it lands instantly inside the app. The catch is what sits underneath it. KOHO is a prepaid Mastercard spending account, which means you load money onto it and spend from that balance. Cover is a paid add-on from $2 a month, and you also need a KOHO account plan on top: Essential, Extra at $12 a month, or Everything at $14.75 a month.
Essential drops to $0 a month if you set up a recurring direct deposit, such as your pay or a government benefit, or you deposit $1,000 or more a month. On that setup your only cost is the $2 Cover plan.
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- What else is included
- A free Equifax credit report, money coaching and priority support.
- What Cover is not
- Cover is not the same thing as KOHO’s overdraft feature. It is a separate add-on you switch on in the app.
- Credit
- No credit check for the advance itself.
- Source
- KOHO product pages, as published in our KOHO Cover review.
Need more than $1,500?
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Loans Canada is a comparison service, not a lender. It matches you with offers from lenders across Canada in a few minutes, and many of them work with lower credit scores. Above roughly $1,500 a personal loan normally costs less per dollar than stacking several advances, and stacking is how a $100 problem becomes a $400 problem: each advance takes its own repayment out of the same paycheque.
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NotchUp
- Amount
- About half your pay
- Monthly fee
- None needed
- Fee per advance
- $5 flat
NotchUp advances up to about half of your next paycheque, up to about $1,500, and the limit grows as you repay on time through its Credit Ladder. The fee is a flat $5 an advance when your payroll is linked to the app. Without that link the fee varies. Money usually arrives by Interac e-Transfer in about 15 minutes, around the clock, and there is no credit check. The $5 is flat whatever you take, so what limits you is the paycheque cap, not the fee. NotchUp accepts benefits income such as EI, CPP and ODSP alongside work income.
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- NotchUp Plus
- $11.99 a month. Adds split repayments, credit building and financial advice.
- Fee without payroll linked
- Varies. Check the amount in the app before you confirm.
- Source
- notchup.app, checked 19 August 2026.
NoJuice
- Amount
- Up to $500
- Monthly fee
- $2.99
- Fee to rush
- Not published
NoJuice offers advances of up to $500 with no credit check, on a $2.99 a month subscription, and it may ask for an optional tip at checkout. The problem is the part you cannot see in advance: NoJuice does not publish what express or instant delivery costs. Check the exact figure in the app before you confirm an advance.
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- Tips
- Optional, prompted at checkout.
- Source
- nojuice.ca, checked 19 August 2026.
Fees and limits checked against each company’s own pages. How we compare apps · Last checked
Quick comparison: best Canadian cash advance apps in 2026
The cards above give each app’s amount and monthly fee. This table lines up the four things that are hard to compare by reading six cards one at a time: how fast the money lands, what $100 actually costs, where the app works, and whether using it does anything for your credit.
Bree
- How fast
- Free in about 3 business days
- Cost to borrow $100
- $0, or $2.99 to $45.99 to rush
- Where it works
- Canada, no province list published
- Builds credit
- No. It does not report to the bureaus
Wagepay
- How fast
- Minutes by Interac e-Transfer
- Cost to borrow $100
- $14 once
- Where it works
- British Columbia, Ontario and Alberta only
- Builds credit
- Not published
Nyble
- How fast
- Instant on the $11.99 plan
- Cost to borrow $100
- $0 on the base plan
- Where it works
- Canada, no province list published
- Builds credit
- Yes. On-time payments go to Equifax
KOHO Cover
- How fast
- Instant in the app
- Cost to borrow $100
- $0 advance fee, plan fees apply
- Where it works
- Canada, no province list published
- Builds credit
- No, but you get a free Equifax report
NotchUp
- How fast
- About 15 minutes
- Cost to borrow $100
- $5 with payroll linked
- Where it works
- Canada, no province list published
- Builds credit
- Only on Plus, $11.99 a month
NoJuice
- How fast
- Same day, rush fee not published
- Cost to borrow $100
- $2.99 a month, rush fee not published
- Where it works
- Canada, no province list published
- Builds credit
- Not published
Loans Canada
- How fast
- Varies by lender
- Cost to borrow $100
- Not applicable, the minimum is $500
- Where it works
- Canada-wide
- Builds credit
- Varies by lender
Bree’s figures assume standard delivery and a $0 tip. “Not published” means the company does not state it, so treat it as unknown rather than as a yes. What each app charges at $500 and $1,000 is in its description above, because only Wagepay’s price moves with the amount.
Apps like Bree, Nyble and the rest: what to switch to
Nearly everyone who reads this page arrived with one app already in mind. Here is the honest reason people leave each one, and what solves it.
Apps like Bree
Bree’s free transfer takes about 3 business days, and paying to rush it can cost up to $45.99. If you need the money today and do not want a monthly fee, Wagepay sends it by Interac e-Transfer in minutes for a one-time $14 on a $100 advance. If you want a smaller amount and want to build credit at the same time, Nyble starts at $30 and reports your on-time payments to Equifax.
Partner links
Full guide to apps like BreeApps like Nyble
Nyble stops at $250, and an instant transfer means paying $11.99 a month. Bree goes up to $750, needs no monthly plan at all, and the standard transfer is free if you can wait about 3 business days. Wagepay goes to $1,500 and pays out in minutes with nothing recurring, though it only works in British Columbia, Ontario and Alberta.
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Full guide to apps like NybleApps like NoJuice
NoJuice charges $2.99 a month and does not publish what it costs to get your money quickly, so you find out at the last step. Bree publishes its express range up front, $2.99 to $45.99, and its standard transfer is free. Wagepay publishes a single establishment fee before you accept, $14 on $100, and charges nothing monthly.
Partner links
Full guide to apps like NoJuiceApps like NotchUp
NotchUp’s $5 flat fee needs your payroll linked to the app, and the advance is capped at about half your next paycheque. If your payroll will not link, Bree works from your bank history or uploaded PDF statements, goes up to $750, and the standard transfer is free. Wagepay lets you take up to $1,500 in minutes once you qualify, which is more than half a paycheque for most people.
Partner links
Wagepay vs NotchUp vs Bree, head to headApps like Wagepay
Two things send people away from Wagepay. It only operates in British Columbia, Ontario and Alberta, and at $500 or $1,000 the establishment fee of $70 or $140 is a lot of money. Bree does not restrict itself to three provinces, goes up to $750, and costs $0 on standard delivery. Nyble is the other option outside those provinces, and it reports your payments to Equifax.
Partner links
Full guide to apps like WagepayApps like KOHO Cover
Cover caps at $250 and needs two paid things at once: the Cover add-on from $2 a month and a KOHO account plan underneath it. Bree needs no plan of any kind and goes to $750. Wagepay needs no plan either, goes to $1,500, and sends the money by Interac e-Transfer in minutes.
Partner links
Full guide to apps like KOHOBorrow $30 or $50 instantly in Canada
Small amounts are where most of these apps quietly fail you. An app that advertises $750 or $1,500 is not much use if you need $30 tonight, and only two of the six will go that low. First-time limits are usually below the maximum, so a small request is the normal starting point for a new user anyway.
Borrowing $30
Two apps reach this far down. Bree has no practical floor, so $30 is inside its range from day one and costs $0 on standard delivery. It also goes to $750, so you are not boxed in if you need more later. Nyble‘s credit line starts at exactly $30, costs $0 on the base plan, and reports the repayment to Equifax, so a $30 draw can do a little work for your credit file at no cost. Every other app on this page has a higher floor.
Borrowing $50
Bree and Nyble again, and both are still $0 on their free option. Wagepay cannot do $50 at all, because $100 is its smallest advance. If you are in British Columbia, Ontario or Alberta and you need money in minutes, taking $100 from Wagepay for a one-time $14 gives you a little extra room and still beats a rushed Bree transfer at the top of its express range.
Partner links
Need a bit more? Our guide to borrowing $100 covers $20 and $25 as well as $100, and how to borrow $200 picks up above that.
Borrowing $100 to $750
Above $100 the choice narrows quickly. Bree covers the whole range up to $750 and stays free on standard delivery, which makes it the cheapest way to borrow a few hundred dollars if you can wait about 3 business days. Wagepay covers the range and pays out in minutes, but the fee scales with the amount: $70 on $500 is real money, and you should only pay it if the speed is worth that to you today. Nyble and KOHO Cover both stop at $250. NoJuice advertises up to $500 but does not publish its rush fee, so you cannot compare it properly before you commit.
Cash advance apps and payday loans in Canada: how they compare
Both put money in your account before your next pay date, and the line between them is thinner than most sites admit.
Payday loans are short-term loans from licensed payday lenders. You borrow a lump sum, often $100 to $1,500, and repay it in full with fees on your next payday or within a fixed term. Provinces cap what a payday lender can charge, and the cap is still expensive per dollar: Ontario caps the cost of borrowing at $14 per $100.
Cash advance apps work from your bank or payroll data instead of a credit bureau file, and they charge through subscriptions, one-time advance fees, express delivery or tips rather than a price per $100 borrowed.
Wagepay sits in both categories, and this page used to get that wrong. Wagepay is licensed as a payday lender in all three provinces it serves: British Columbia #86410, Ontario #4741466 and Alberta #359836. Its establishment fee of up to 14% is the regulated maximum in Ontario, the same $14 per $100 as any other licensed payday lender there. It is fast, it has no monthly fee, no late fees and no NSF fees, and it publishes its licence numbers and APR examples, which many lenders do not. It is not a cheaper alternative to a payday loan. It is a payday loan with good disclosure and fast delivery.
What to compare before you accept anything
- Add up every charge, not the headline. A “0%” advance can still cost $9.99 to arrive today, and a “free” app can still cost $11.99 a month for the speed you need.
- Check the repayment date, not just the amount. Both pull from your linked bank account around payday. Bree runs a fixed 90 day term. Wagepay lets you postpone or split a repayment once per advance, and NotchUp Plus allows split repayments.
For small amounts with a free or low-cost delivery option, the apps usually cost less than a payday loan. Rushed transfers, memberships and tips close that gap fast. Neither one fixes a shortfall that comes back every month.
Compare Canadian loan offers
If the app limits above are not enough, or the apps turned you down, fill in the form below and Loans Canada will show you what you match with. It takes a few minutes and checking does not affect your credit score at this stage.
Frequently asked questions
What apps are like Bree and Nyble?
Wagepay is the closest match for minutes without a subscription and reaches $1,500. NotchUp also reaches about $1,500 and charges a flat fee if your payroll will link. KOHO Cover and NoJuice sit in the same small-advance space. The section above works through each switch in turn. Our apps like Bree and apps like Nyble guides go further on each one.
Are there cash advance apps with no credit check?
Yes. Bree, Wagepay, KOHO Cover, NotchUp and NoJuice all approve from bank or payroll data rather than pulling your file at a credit bureau. Nyble runs no hard credit check either, which means no search that other lenders can see. That makes all six an option with bad credit or a thin credit file. Each one still has its own income and banking rules, so no credit check does not mean automatic approval. If your pay does not arrive as a direct deposit, see our guide to cash advance apps that work without direct deposit.
What is the difference between a cash advance app and a payday loan in Canada?
A payday loan is new short-term credit from a licensed lender, priced per $100 borrowed and capped by your province, for example $14 per $100 in Ontario. Most cash advance apps advance part of the pay you have coming, or lend on a small credit line, and charge through subscriptions, one-time advance fees, express delivery or tips instead. The exception is Wagepay, which is itself a licensed payday lender in British Columbia, Ontario and Alberta, so it belongs in both groups.
Do cash advance apps report to credit bureaus?
Mostly no, with one exception. Nyble reports your credit line to Equifax, including both on-time and late payments, so it can help or hurt depending on how you repay. Bree does not report advances to the bureaus, so it will not build credit for you. A tradeline, which is the entry a lender puts on your credit report, is only created by products that report. Check each app’s terms if credit building is part of why you are borrowing.
Video: Canadian cash advance apps explained
Every figure on this page comes from the company’s own published material. Bree from its Google Play listing, Wagepay from its help centre, NotchUp from notchup.app and NoJuice from nojuice.ca. Nyble and KOHO figures are as published in our Nyble and KOHO Cover reviews. How we compare apps · Last checked