You can get $100 in Canada today, and you do not need a credit check to do it. Six apps will lend you that much. What separates them is what the $100 costs, how fast it lands, and whether you have to subscribe to something to get it.
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The short answer
If you are in British Columbia, Ontario or Alberta, Wagepay can send you $100 by Interac e-Transfer within minutes for a one-time fee of up to $14, with nothing to pay monthly. Anywhere in Canada, Bree will send you $100 for $0 if you can wait about 3 business days, or in minutes if you pay $2.99 to $45.99 for express delivery.
You need it in minutes
Wagepay
$100 is its smallest advance, so this is the amount it is built for. One fee of up to $14, nothing monthly. British Columbia, Ontario and Alberta.
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You want it free
Bree
$100 for $0 on standard delivery, with no credit check and no monthly plan. The trade is about 3 business days of waiting.
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You want credit for it
Nyble
$100 costs $0 on the free plan, and repaying it on time is reported to Equifax, so the borrowing does something for your credit file.
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Everything below is the detail behind that: what each app costs at exactly $100, who qualifies, what to do if you need less than $100, and where to go if you are turned down.
Best Canadian cash advance apps to borrow $100
Wagepay
Minutes, nothing monthly- Cost of $100
- Up to $14 once
- How fast
- Minutes
- Monthly fee
- None
$100 is exactly Wagepay’s smallest advance, so this is the amount it is built for. The money comes by Interac e-Transfer, usually within minutes, and there is no subscription. You pay 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. On $100 that is $14, shown in your contract before you accept.
Wagepay is a licensed payday lender in the three provinces it serves: British Columbia licence #86410, Ontario #4741466, Alberta #359836. It charges the same $14 per $100 that Ontario allows any licensed payday lender, so it is not a cheaper alternative to one. What it does give you is speed, no monthly fee, and the fee written down before you agree to it.
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- Cost at bigger amounts
- $70 on $500 and $140 on $1,000. The fee scales with the amount, so Wagepay is at its most reasonable at exactly the $100 you came here for.
- What it costs as an annual rate
- Wagepay publishes three examples. Alberta, $100 over 62 days, works out to 82.42% APR. APR means annual percentage rate, the cost of the money expressed as a yearly figure. British Columbia, $300 over 14 days, is 365% APR. Ontario, $500 over 14 days, costs $70 to borrow for a total owing of $570, also 365% APR. Alberta terms run 42 to 62 days and are repaid in 2 to 7 payments.
- Other fees
- None. No pre-authorised debit fees (a pre-authorised debit, or PAD, is an automatic withdrawal from your account), no late fees, no NSF fees if a payment bounces, and no card processing fees. Your own bank can still charge you if the account runs short.
- Who can get it
- 18 or older, living and working in British Columbia, Ontario or Alberta, with at least $400 a week from an employer landing in your bank account and roughly 60 days of banking history. New customers usually start at about a quarter of their pay, which comfortably covers $100.
- Credit
- No credit check. Your employer is never contacted.
- Source
- Wagepay’s own help centre, “Costs” section, checked 19 August 2026.
Bree
Cheapest at $100- Cost of $100
- $0
- How fast
- About 3 days
- Monthly fee
- None needed
Bree is the cheapest way to get $100 and the only one on this page that costs nothing at all. Borrow $100, repay $100 on day 90, and the total cost is $0, as long as you take standard delivery and set the tip to $0. The catch is the wait, about 3 business days. Express delivery brings it down to minutes for $2.99 to $45.99, and the app shows you the fee before you confirm. Bree is not limited to the three provinces Wagepay serves, though it does not publish a province list, so check the app for yours.
Bree goes up to $750, so $100 is well inside its range and your limit has room to grow. It will also release less than $100 if that is all you need.
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- Range
- $15 to $750. First-time limits are often lower than the maximum, and $100 is a common starting amount for a new user.
- Tips
- Voluntary and can be set to $0. The tip does not affect whether you are approved or how much you can take.
- Membership
- Optional, $2.99 a month after a 30 day free trial. Not required to get an advance.
- Repayment
- A fixed 90 day term, with early repayment at no extra cost.
- Credit
- No credit check, and Bree does not report to the credit bureaus, so a $100 advance will neither build nor damage your credit. No collections without your consent.
- Who can get it
- 18 or older, a Canadian bank account, and regular deposits. Government benefits count. You can link your bank account or upload PDF statements instead.
- Source
- Bree’s Google Play listing, “About this app”, checked 19 August 2026.
Nyble
Best for credit- Cost of $100
- $0 on the base plan
- How fast
- Instant on $11.99 plan
- Monthly fee
- $0, or $11.99
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 costs nothing, so $100 is free to borrow once your limit reaches that much. It is the only app here that reports your on-time payments to Equifax, so repaying $100 can help build your credit history. Instant transfers need the $11.99 a month plan, which you can cancel any time.
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- What the paid plan adds
- $11.99 a month buys instant transfers, rewards, identity theft coverage and balance protection. Cancel any time.
- Credit
- No hard credit check, which means no search other lenders can see. Nyble reports on-time payments to Equifax, one of Canada’s two credit bureaus, and the free plan includes credit monitoring and your Equifax score.
- Who can get it
- The age of majority in your province, a valid Canadian bank account, and more than $1,000 a month of direct deposit income.
- Source
- Nyble product pages, as published in our Nyble review.
KOHO Cover
- Cost of $100
- $0 advance fee
- How fast
- Instant in the app
- Monthly fee
- From $2 plus a plan
KOHO Cover advances up to $250 with no interest and a $0 advance fee, and the money appears instantly in the app. What you pay is monthly rather than per advance. KOHO is a prepaid Mastercard spending account, meaning 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 underneath it: Essential, Extra at $12 a month, or Everything at $14.75 a month. New users may be approved for less than $100 at first.
Essential is $0 a month if you set up a recurring direct deposit, such as your pay or a government benefit, or deposit $1,000 or more each 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.
Turned down, or need more than $1,500?
Compare personal loans from $500 to $50,000
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. If the apps turned you down, usually because your deposits are irregular or your account is too new, this is the more realistic next step.
Get loan quotesChecking offers does not affect your credit score at this stage.
NotchUp
- Cost of $100
- $5 flat
- How fast
- About 15 minutes
- Monthly fee
- None needed
NotchUp charges a flat $5 an advance when your payroll is linked to the app, whatever the amount, so $100 costs $5. Without that payroll link the fee varies. It 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, so a first-time limit may sit below $100. Money arrives by Interac e-Transfer in about 15 minutes, around the clock, with no credit check. 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.
- Source
- notchup.app, checked 19 August 2026.
NoJuice
- Cost of $100
- $2.99 a month
- How fast
- Same day, varies
- Monthly fee
- $2.99
NoJuice advances up to $500 with no credit check, on a $2.99 a month subscription, and may ask for an optional tip at checkout. The gap is what it does not tell you: NoJuice does not publish what express or instant delivery costs, so you cannot work out the real price of a fast $100 before you are inside the app. Check the figure there before you confirm.
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- Tips
- Optional, prompted at checkout.
- Source
- nojuice.ca, checked 19 August 2026.
Cash Hoop
- Cost of $100
- Set by the lender
- How fast
- Set by the lender
- Monthly fee
- None. It is a matcher
Cash Hoop (also written CashHoop) is a different kind of product from everything else here: it is not a lender. Cash Hoop Financial Inc. publishes terms and a privacy policy on cashhoop.com and runs the “Instant Cash Advance: CashHoop” app on Google Play, and it discloses that it passes your application to third-party lenders who set the APR, the fees and the repayment terms. Its marketing mentions $100 to $5,000, applications around the clock and fast funding by direct deposit, but the offer you get depends on whichever lender picks you up. Disclosed loan matching is a legitimate business. It is simply a different one.
Its site and app copy describe general North American loan matching, with no mention of Interac e-Transfer or province-specific Canadian rules, and we have not verified it against primary Canadian sources the way we track the apps above. Confirm a matched lender serves your province before relying on it for $100.
Visit Cash HoopSource: cashhoop.com terms and privacy policy, and its Google Play listing.
Fees and limits checked against each company’s own pages. How we compare apps · Last checked
What $100 actually costs from each app
Every card above shows the same three facts: what $100 costs, how fast it lands, and the monthly fee. This table adds the four that are harder to line up, starting with what you pay to have the money today. Optional tips are excluded, since you can set them to $0.
Bree
- To get it today
- $2.99 to $45.99
- Smallest advance
- $15
- Where it works
- Canada, no province list published
- Builds credit
- No. It does not report to the bureaus
Nyble
- To get it today
- $11.99 a month
- Smallest advance
- $30
- Where it works
- Canada, no province list published
- Builds credit
- Yes. On-time payments go to Equifax
KOHO Cover
- To get it today
- Included in the plan
- Smallest advance
- Not published
- Where it works
- Canada, no province list published
- Builds credit
- No, but you get a free Equifax report
Wagepay
- To get it today
- Included, nothing extra
- Smallest advance
- $100, which is this amount
- Where it works
- British Columbia, Ontario and Alberta only
- Builds credit
- Not published
NotchUp
- To get it today
- Included, nothing extra
- Smallest advance
- Not published
- Where it works
- Canada, no province list published
- Builds credit
- Only on Plus, $11.99 a month
NoJuice
- To get it today
- Not published
- Smallest advance
- Not published
- Where it works
- Canada, no province list published
- Builds credit
- Not published
Bree is the cheapest at $0, and Wagepay is the only one that pays out in minutes without a subscription, for a one-time $14. KOHO Cover and Nyble are instant too, but only once you are paying for a plan, so the $14 is really the price of not signing up for anything. Nobody here beats both at once. First-time users often start below $100 even when the maximum is much higher, so check the limit an app offers you before you count on the full amount.
Can you borrow $20, $25, $30 or $50 instantly in Canada?
A lot of people who search for $100 actually need less, and this is where most apps quietly fail. Here is the honest floor for each amount.
$20 or $25
No app on this page guarantees $20 on your first day. Bree is the closest, because its smallest advance is $15, so $20 and $25 are inside its range from the start. KOHO may approve a small first-time amount once you are onboarded. Everything else sets a higher minimum.
$30
Bree and Nyble both reach this far down, Bree to $15 and Nyble to $30. Nyble is worth a look at this size because it costs $0 on the base plan and reports the repayment to Equifax, so a $30 draw can do a little work for your credit history at no cost.
$50
Bree and Nyble again, both at $0 on their free option. Wagepay cannot do $50, because $100 is its smallest advance. If you are in British Columbia, Ontario or Alberta and you want the money in minutes, taking $100 from Wagepay for a one-time $14 gives you a little extra room rather than being a barrier.
$100
Every app on this page can do $100. That is what the rest of this guide is about. For amounts above that, and for the full six-app comparison, see our guide to the best Canadian cash advance apps.
Partner links
Instant $100 cash advance in Canada with no credit check
Every direct app above approves from your bank or payroll data rather than pulling your file at a credit bureau. That includes Bree, Wagepay, KOHO Cover, NotchUp and NoJuice. Nyble runs no hard credit check either, which means no search that other lenders can see. So bad credit or a thin credit file is not an automatic no.
What still matters is the rest of your profile. Each app checks income and banking history in its own way: Wagepay wants at least $400 a week from an employer and about 60 days of banking history, Nyble wants more than $1,000 a month of direct deposit income, and Bree wants regular deposits, which can include government benefits. No credit check does not mean no checks. If your pay does not arrive as a direct deposit at all, see our guide to cash advance apps that work without direct deposit.
One more thing worth doing before you accept anything. Compare the total cost inside the app, not the headline. A “0%” advance can still cost you $9.99 in express delivery, and a “free” app can still cost $11.99 a month for the speed you actually need.
A $100 cash advance compared with a $100 payday loan
A $100 payday loan is short-term credit from a licensed lender. You borrow $100 and repay it with fees on your next payday. Provinces cap what that fee can be, and the cap is still expensive per dollar: Ontario allows up to $14 per $100 borrowed.
Most cash advance apps on this page work differently. They advance part of the pay you have coming, or lend on a small credit line, and they make their money from subscriptions, one-time advance fees, express delivery or optional tips rather than a per-$100 borrowing charge. Bree and Nyble charge 0% on the advance itself. KOHO bundles it into a spending account. NotchUp charges a flat $5 with payroll linked.
Wagepay belongs to both groups, and this page used to say otherwise. Wagepay is a licensed payday lender in each of the three provinces it serves: British Columbia #86410, Ontario #4741466 and Alberta #359836. Its establishment fee of up to 14% is the Ontario maximum, the same $14 per $100 a payday lender there can charge. So the honest comparison at $100 is not app versus payday loan. It is $0 and a 3 day wait from Bree, against $14 and a few minutes from a licensed payday lender that publishes its licence numbers, its APR examples and its fee before you sign, and that charges nothing monthly and no late or NSF fees.
For $100 with a free delivery option, the apps cost less. Add a rush fee, a membership or a tip and the gap closes quickly. Neither product fixes a shortfall that returns every month.
If you need more than $100, or you were turned down
If $100 is not enough, Bree goes to $750 and Wagepay to $1,500, which beats taking several small advances from different apps at the same time. Stacking advances is how a $100 problem becomes a $400 problem: each one takes its own repayment out of the same paycheque. Above roughly $1,500, a personal loan normally costs less per dollar than stacking. If you only need a little more, see how to borrow $200.
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 is the best instant $100 cash advance app in Canada?
Wagepay, if you are in British Columbia, Ontario or Alberta. $100 is its minimum advance, the money comes by Interac e-Transfer in minutes, and the cost is a single fee of up to $14 with nothing monthly. If you can wait about 3 business days, Bree sends $100 for $0 and works in without the province limits Wagepay has. Nyble and KOHO Cover both reach $100 too, once your limit gets there.
What is the cheapest way to borrow $100 in Canada?
Bree, at $0. Take standard delivery, set the tip to $0, skip the optional $2.99 membership, and borrowing $100 costs you nothing. Nyble’s base plan is also $0 once your limit reaches $100. NotchUp is $5 with payroll linked. Wagepay is up to $14. NoJuice runs $2.99 a month and does not publish what a rush costs.
Can I borrow $20 or $25 instantly in Canada?
$25 is possible with Bree, whose smallest advance is $15. $20 is harder, and no app here guarantees it on day one. Nyble starts at $30 and Wagepay at $100. KOHO and Bree may approve smaller first-time amounts after you are onboarded.
What is Cash Hoop, and is it legit?
Cash Hoop is a loan-matching app, not a lender. Cash Hoop Financial Inc. publishes terms and a privacy policy on cashhoop.com and runs the “Instant Cash Advance: CashHoop” app on Google Play, and it discloses that it forwards applications to third-party lenders who set the fees, the APR and the terms. Disclosed loan matching is legitimate. It is simply a different product from the Canadian advance apps above, and its marketing references $100 to $5,000 with the real offer coming from whichever lender picks you up. Check that the matched lender serves your province before relying on it.
Video: Canadian cash advance apps explained
Every figure here comes from the company’s own published material. Bree from its Google Play listing, Wagepay from its help centre, NotchUp from notchup.app, NoJuice from nojuice.ca, and Cash Hoop from its terms and privacy policy on cashhoop.com. Nyble and KOHO figures are as published in our Nyble and KOHO Cover reviews. How we compare apps · Last checked