NotchUp is legit. It is a real Canadian company with published terms and a working Interac funding product, and it is not the same thing as being the cheapest or the easiest to get approved by twice. NotchUp advances up to about half of your next paycheque, up to about $1,500, for a $5 flat fee when you link payroll, with no credit check.
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NotchUp at a glance
NotchUp
- Amount
- Up to about $1,500
- Cost to borrow
- $5 flat with payroll linked
- How fast
- About 15 minutes
NotchUp Financial Inc. operates notchup.app, a Canadian on-demand wage-advance service. It advances part of your next paycheque, up to about half of it, and the limit grows as you repay on time. Money arrives by Interac e-Transfer in about 15 minutes when the network is available, 24 hours a day.
The $5 flat fee applies when you link payroll. Without that link, fees vary, so check the number in the app before you accept. There is no credit check.
Visit NotchUpWe do not have a partnership with NotchUp and we earn nothing if you sign up. The link above goes to NotchUp’s own site.
Cost at a glance: NotchUp vs Wagepay vs Bree
Typical mandatory fees if you qualify for each product’s advertised pricing. Confirm the exact number in each app before you accept.
$100 advance
- NotchUp, payroll linked
- $5 flat
- Wagepay, up to 14%
- Up to $14
- Bree, standard delivery
- $0
$500 advance
- NotchUp, payroll linked
- $5 flat
- Wagepay, up to 14%
- Up to $70
- Bree, standard delivery
- Not available, Bree caps at $750 but first advances are often lower
$1,000 advance
- NotchUp, payroll linked
- $5 flat
- Wagepay, up to 14%
- Up to $140
- Bree, standard delivery
- Not available, Bree’s cap is $750
The $5 figure is NotchUp’s own payroll-linked price, published on notchup.app. Wagepay and Bree eligibility rules, including Wagepay’s BC, Ontario and Alberta limit and its $400-a-week employer income rule, still apply on top of the numbers above. Sources: notchup.app, Wagepay’s help centre, Bree’s Google Play listing.
Is NotchUp legit?
Yes. NotchUp Financial Inc. operates notchup.app with published terms and a real Interac funding product. That does not mean every applicant is approved, or re-approved on a later advance. Trustpilot scores are mixed, historically around 3.1 out of 5, and the Better Business Bureau lists the Victoria, BC company as not accredited and notes some complaint-response issues. Fast funding is the common praise. Denials after a prior approval are the common complaint.
How does NotchUp work?
You apply at apply.notchup.app, which takes about 5 to 10 minutes, and link your bank account on a read-only basis. Linking payroll is optional and unlocks the $5 flat fee and larger advances. You request an amount within your limit, and funds typically arrive by Interac e-Transfer in about 15 minutes. Repayment auto-debits on your payday. NotchUp’s Credit Ladder, currently in beta on notchup.app, rewards on-time repayment with a higher tier over time.
Am I eligible?
NotchUp markets no credit check and no Social Insurance Number requirement on its wage-advance guides. You need to be 18 or older, with a Canadian bank account and income NotchUp can verify. As of 2026, notchup.app states it accepts a wide range of income types, including employment income and many benefits such as the Ontario Disability Support Program, Employment Insurance, the Canada Pension Plan and Old Age Security, subject to minimum requirements shown in the application. Always confirm the current in-app rules for your situation.
Fees and limits
The fee is a $5 flat charge per advance when payroll is verified. Without that link, fees vary, so read the number in the app before you accept. There is no base subscription required to get an advance. NotchUp Plus is $11.99 a month and adds split repayments, flexible repayment dates, optional credit reporting and financial advice. Limits run up to about half of your next paycheque and up to about $1,500. First advances are often smaller than that ceiling.
If NotchUp is not the right fit
NotchUp’s $5 flat fee is genuinely cheap when it applies, but it needs payroll linked to get that price, and it is not confirmed against notchup.app that every applicant reaches the full $1,500. This page does not carry partner buttons for the apps below (see the note above), so read the full reviews for cost, speed and eligibility, and apply from there.
See our apps like NoJuice and apps like Nyble guides for more options, or the full Wagepay vs NotchUp vs Bree comparison. For amounts NotchUp will not reach, see below.
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Frequently asked questions
Is NotchUp legit or a scam?
It is a legit company with a real product, not a scam. Complaints centre on approvals and re-approvals, not on fake funding.
Does NotchUp check credit?
No. NotchUp states it does not run a credit check.
How much does NotchUp cost compared with Wagepay?
At $500, NotchUp’s $5 flat fee with payroll linked is far cheaper than Wagepay’s fee of up to $70, which is 14%. Wagepay can still be the better fit if NotchUp’s limit is too low for you, or you are already approved there.
How fast is NotchUp funding?
About 15 minutes by Interac e-Transfer when the network is available, 24 hours a day, per NotchUp.
Can I use NotchUp without downloading the app?
Yes. NotchUp also runs a browser flow at notchup.app and apply.notchup.app.
NotchUp figures are from notchup.app and apply.notchup.app. Bree from its Google Play listing, Wagepay from its help centre, Nyble as published in our Nyble review. Our Canada fee matrix is the living cost table behind this page. · Last checked