Instant $25 Cash Advance Canada: Apps That Can Send It

Q: Can I borrow $25 instantly in Canada?

Bree can send $25 because its smallest advance is $15. Standard delivery is $0 and takes about 3 business days. Express delivery costs $2.99 to $45.99. Nyble starts at $30 and Wagepay starts at $100.

Q: What is the cheapest way to borrow $25 in Canada?

Bree, at $0, if you use standard delivery, set the tip to $0 and skip the optional membership. You repay $25.

Updated 25 October 2026 · How we compare apps

You can get $25 from a Canadian cash advance app, and you do not need a credit check to do it. Most apps will not go that low. Bree will, because its smallest advance is $15. Nyble starts at $30. Wagepay starts at $100.

PockBox earns a commission when you sign up through the buttons marked Partner link, and if a lender matches you through the loan form on this page. It costs you nothing extra. How we pick

The short answer

Bree is the app that can actually send $25. Standard delivery is $0 and takes about 3 business days. Express delivery is $2.99 to $45.99 if you need it sooner, and the app shows the fee before you confirm. If $30 is close enough, Nyble starts there and costs $0 on the free plan.

You need exactly $25

Bree

$15 to $750, so $25 is inside the range from the start. $0 on standard delivery. No monthly plan required.

Get Bree

Partner link

You can take $30 and want it on your credit file

Nyble

Nyble will not do $25. Its line starts at $30, costs $0 on the free plan, and on-time payments can report to Equifax.

Get Nyble

Partner link

You need it in minutes and can take $100

Wagepay

Wagepay will not send $25. Its smallest advance is $100, by Interac in minutes, for a one-time fee of up to $14. British Columbia, Ontario and Alberta.

Get Wagepay

Partner link

Need more than an app will advance?

Use an app for $25. The form below starts at $500. Use it if you were turned down, or if the real amount you need is much larger than $25. Loans Canada is a comparison service, not a lender. Checking at this stage does not affect your credit score, and you do not have to take an offer.

This form starts at $500. It will not send $25.

Everything below is the cost of a small advance at each app, and who can actually get $25.

Best Canadian cash advance apps to borrow $25

Bree

Top pick for $25

Cost of $25: $0
How fast: About 3 days
Monthly fee: None needed

Bree advances $15 to $750. Take $25 on standard delivery, set the tip to $0, skip the optional $2.99 membership, and you repay $25. The wait is about 3 business days. Express delivery costs $2.99 to $45.99 depending on the amount, shown before you confirm. No credit check. Bree does not publish a province list, so check the app for yours.

Government benefits count as income. You can link a bank account or upload PDF statements. The term is 90 days, and paying early costs nothing extra.

$0 if you can wait
Starts at $15
No credit check
No monthly plan needed

Get Bree

Partner link

Nyble

Starts at $30

Cost of $30: $0 on the free plan
How fast: Instant on the paid plan
Monthly fee: $0, or $11.99 for speed

Nyble’s line runs from $30 to $250 at 0% interest. It will not do $25. If $30 covers the gap, the free plan costs nothing and on-time payments can report to Equifax, one of Canada’s two credit bureaus. Instant transfers need the $11.99 a month plan. You need to be the age of majority in your province, with a Canadian bank account and more than $1,000 a month in direct deposit income.

Starts at $30
Reports to Equifax
No hard credit check

Get Nyble

Partner link

Wagepay

Minutes, from $100

Smallest advance: $100
Cost of $100: Up to $14 once
How fast: Minutes by Interac

Wagepay will not send $25. If you can take $100 instead, it arrives by Interac e-Transfer in minutes for a one-time establishment fee of up to $14, with nothing monthly. Wagepay is a licensed payday lender in British Columbia (#86410), Ontario (#4741466) and Alberta (#359836). It does not serve other provinces. You need to be 18 or older, with at least $400 a week from an employer and about 60 days of bank history.

That $14 is the same per-$100 cap Ontario allows a licensed payday lender. See the $100 guide if that amount is what you actually need.

Minimum is $100
Money in minutes
BC, Ontario, Alberta

Get Wagepay

Partner link

KOHO Cover

Advance fee: $0
How fast: Instant in the app
Monthly fee: From $2 plus a plan

KOHO Cover goes up to $250 with no interest and a $0 advance fee. KOHO does not publish a $25 minimum. Cover is an add-on inside a prepaid spending account, from $2 a month, plus a KOHO account plan. A first approval can be small. Check the limit the app offers you before you count on $25.

Instant in the app
$0 advance fee
No credit check for the advance

Get KOHO Cover

Partner link

NotchUp

Fee with payroll linked: $5 flat
How fast: About 15 minutes
$25 minimum: Not published

NotchUp advances up to about half of your next paycheque, by Interac in about 15 minutes. With payroll linked the fee is $5. It does not publish whether $25 is allowed. We earn nothing from NotchUp.

Visit NotchUp

NoJuice

Monthly fee: $2.99
Express fee: Not published
$25 minimum: Not published

NoJuice advances up to $500 with no credit check, on a $2.99 a month subscription that runs whether or not you borrow. It does not publish a $25 floor, and it does not publish the express delivery fee. Read the total in the app before you confirm. We earn nothing from NoJuice.

Visit NoJuice

What $25 costs