Bree advances up to $750 in Canada with $0 standard delivery in about 3 business days, and no credit check. Express delivery costs $2.99 to $45.99 if you need it sooner. Here is what it costs, who qualifies, and when Wagepay or Nyble is the better call.
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Bree at a glance
Bree
$0 if you can wait- Amount
- $15 to $750
- Standard delivery
- $0 in about 3 business days
- Express
- $2.99 to $45.99
Bree is a cash advance app from Bree Technologies Ltd. It lets you borrow up to $750 and repay what you borrowed, with 0% APR on standard delivery, meaning the yearly cost of borrowing is zero if you skip express, tips and membership. The range starts at $15, which is useful for a $25 or $50 gap, and the $750 figure is a ceiling, not a first-advance promise.
Membership is optional at $2.99 a month after a 30-day free trial. Tips can be set to $0. Neither is required to get an advance.
Check your Bree limitPartner link
Is Bree legit?
Yes. Bree Technologies Ltd. operates trybree.com and iOS and Android apps for Canadians, with a public FAQ, terms, and support at support@trybree.com. It does not run a credit bureau pull with Equifax or TransUnion, which are the two main Canadian credit reporting agencies. Legit does not mean every applicant gets $750 on day one. Approval and limits depend on bank deposits and leftover income after bills.
How does Bree work?
Sign up, then connect the chequing account where your pay or benefits land, using a read-only bank feed. If you cannot link the account, Bree also lets you upload PDF bank statements. Bree reviews about two months of transactions, looks for consistent deposits, including government benefits, and checks that you can repay after your next pay.
You then choose standard delivery, which is free and takes about 3 business days to your chequing account, or express delivery, which costs $2.99 to $45.99 depending on the amount and is shown before you confirm. The term is a fixed 90 days. You can repay early at no extra cost. Contact support if you need more time within that window. There is no collections without consent.
How much can you borrow with Bree?
Bree’s published range is $15 to $750 per advance. New users often see a much smaller first limit that grows with on-time repayment. $750 is the ceiling, not a promise for your first request. If you need around $50 or $100, that still fits the range. If you need $1,000 or more, compare Wagepay, NotchUp, or personal loans.
What fees does Bree charge?
Per Bree’s Google Play listing, checked 19 August 2026:
Standard delivery
- Cost
- $0. You repay what you borrowed.
- Timing
- About 3 business days
- APR
- 0% with a $0 tip
Express delivery
- Cost
- $2.99 to $45.99, depending on amount
- Timing
- Minutes, shown before you confirm
- Required?
- No. Standard is always available.
Membership
- Cost
- $2.99 a month after a 30-day free trial
- Required?
- No. Not needed to get an advance.
- Cancel
- Any time
Tips
- Cost
- Voluntary. Can be set to $0.
- Effect on approval
- None
- Effect on limit
- None
Bree does not market late fees or NSF fees, meaning a charge added when a payment bounces. Your own bank may still charge its own fee if a payment bounces. Representative example: borrow $100, repay $100 on day 90 with standard delivery and a $0 tip, total cost $0.
Bree vs other Canadian cash advance apps
At $100 with free standard delivery, Bree’s mandatory cost is $0. That is cheaper than Wagepay’s one-time establishment fee of up to $14 on $100, and cheaper than NotchUp’s $5 flat fee when payroll is linked. NotchUp can still fit if you need Interac e-Transfer in about 15 minutes and will pay $5. Wagepay, a licensed payday lender in British Columbia, Ontario and Alberta (licences BC 86410, Ontario 4741466, Alberta 359836), fits larger returning-customer limits up to $1,500 in those three provinces. Nyble fits a $30 to $250 line that can report on-time payments to Equifax.
Bree
- Where it works
- Canada, no province list published
- Income it accepts
- Pay or government benefits. Bank link or PDF statements.
- Builds credit
- No. Does not report to credit bureaus.
- Monthly fee
- None needed
Nyble
- Where it works
- Canada, no province list published
- Income it accepts
- Direct deposit over $1,000 a month
- Builds credit
- Yes. Reports on-time payments to Equifax.
- Monthly fee
- None on the free plan. $11.99 optional for instant transfers.
Wagepay
- Where it works
- British Columbia, Ontario and Alberta only
- Income it accepts
- $400 a week from an employer, about 60 days of bank history
- Builds credit
- No. No credit check. Employer is never contacted.
- Monthly fee
- None
NotchUp
- Where it works
- Canada, no province list published
- Income it accepts
- Work income plus benefits (EI, CPP, ODSP)
- Builds credit
- NotchUp Plus, $11.99 a month, adds credit building
- Monthly fee
- None on the $5 payroll-linked advance. Plus is optional.
Full side-by-side: best Canadian cash advance apps and apps like Bree. Also see apps like Wagepay and Wagepay vs NotchUp vs Bree.
Need it in minutes, or more than $750?
Bree’s free transfer takes about 3 business days and tops out at $750. If you live in British Columbia, Ontario or Alberta and want Interac in minutes with no monthly fee, Wagepay starts at $100 (so you get a little extra room) and returning customers can reach $1,500, for a one-time establishment fee of up to 14%. If you want a smaller reusable line that can help your Equifax file, Nyble starts at $30.
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Need more than $1,500?
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Frequently asked questions
Is Bree free?
The advance can cost $0 on standard delivery with a $0 tip. Express fees of $2.99 to $45.99, tips, and the optional $2.99 membership are extra and shown before you accept.
Does Bree check credit?
No. Bree does not pull Equifax or TransUnion. Approval is based on bank activity. You need to be 18 or older with a Canadian bank account and regular deposits. Government benefits count.
Can I get $750 on my first Bree advance?
Unlikely. $750 is the published maximum. First limits are usually lower and grow with repayment history. The range still starts at $15, so a small first advance can still go through.
Where is Bree available in Canada?
Bree markets itself to Canadian residents. It has not published a province-by-province list, so we write Canada, no province list published. Confirm in-app for your address before you apply. Do not assume Quebec coverage from this page.
Bree vs Wagepay, which is better?
Bree for $0 standard cost up to $750, with no published province limit. Wagepay for Interac speed and higher returning limits in British Columbia, Ontario and Alberta at an establishment fee of up to 14% ($14 on $100). Wagepay is a licensed payday lender there: BC 86410, Ontario 4741466, Alberta 359836. See our Wagepay review.
For $100 specifically, see borrow $100 in Canada. Figures on this page also feed our Canada fee matrix.
Bree fees and limits are from Bree’s Google Play listing, checked 19 August 2026. Wagepay licence numbers are from Wagepay’s help centre. Nyble and NotchUp figures are as published in our Nyble and NotchUp reviews. How we compare apps · Last checked