Bree offers cash advances of up to $350 with no credit check, no interest and no late fees. However, there is a monthly subscription fee ($2.99 after a 1-month free trial) and an express fee if you want your cash immediately. Find out if the Bree app is right for you.

Bree, a Canadian financial app launched in 2021, offers up to $350 in interest-free cash advances to help users avoid overdraft fees while waiting for their next paycheck. 

With no credit checks or late fees, Bree appears to be a lifesaver for Canadians living paycheck to paycheck. However, is Bree truly as “no-fee” as it claims?

Read on for our in-depth bree app review.

Pros Cons
Easy to apply Express fees apply for instant funds
0% interest and no late fees Requires you to connect your bank account with Bree
No credit check to get started No phone support (email only)
Flexible repayment (no fixed terms)

Is Bree legit?

Yes, Bree is a legit app used by over 200,000 Canadians.

Vancouver-based Bree is a relatively new entrant in the Canadian cash advance market. It has verified LinkedIn, Crunchbase and Trustpilot profiles. Despite its short history, Bree has garnered positive reviews on Trustpilot, with a 4.6-star rating from over 1,400 reviews.

RECOMMENDED: 🇨🇦 Best Canadian Cash Advance Apps

How does borrowing from Bree work?

Sign up for an account and provide your personal information (including bank details to connect your checking account).

Bree will verify:

  1. Your checking account is connected
  2. You have consistent deposits into your checking account
  3. You have enough funds after your next paycheck to pay Bree back

Once you’re connected, you may be eligible for a cash advance up to $350. You’re likely to get closer to $10 as a new user, but this amount can be increased through app usage and maintaining a sufficient balance in your account to repay your advance.

You can request an advance – known as an Advance Service – through the Bree app dashboard.

Bree Feature Details
Loan Amounts $10 – $350
Loan Terms Pay back on your next pay day
Late Payments Pay up to 65 days late (no late fee)
Serviced provinces All Canadian provinces and territories

Am I eligible for a Bree advance?

There is no credit check to qualify for a Bree cash advance. You will need to meet the following requirements:

  • 18 years of age (or the age of majority in your province)
  • Canadian legal resident
  • Active checking account
  • Recurring income
  • Minimum two consecutive paychecks from one source deposited into your account

Bree will examine the last two months’ worth of transactions from your bank account to make sure you meet eligibility criteria.

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What fees does Bree charge?

Bree doesn’t charge interest and claims to have no fees and “no surprises” – though that’s not exactly true.

While the Bree website uses the phrase “no fees” often, there is a $2.99 monthly subscription fee which gives you access to cash advances and Bree’s budgeting tool. You can get around this with a 1-month trial for new users. You can also contact Bree if you’d like to receive a cash advance without subscribing.

A small fee also applies if you opt for express funding, which can get you your funds in as little as 5 minutes. Express fees depend on how much you borrow:

  • $9.99 for a $100 cash advance
  • Up to $22.99 for a $350 cash advance

If you’re happy to wait, you’ll receive your funds within 3 business days at no extra cost.

Bree says you can leave tips, though these aren’t mandatory and won’t affect the size of your cash advance. 

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💡 Request an Advance without purchasing the $2.99/month Subscription Service by emailing Include the subject line “Advance from Bree without Flinks connection” alongside your latest bank statements, ID, proof of address, and proof of income (via paystubs) to bypass the monthly subscription fee.