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When something urgent comes up before payday, you don't have time for a slow process. Apply online, get a decision in minutes, and receive funds by e-Transfer the same day.
Emergencies don't follow a schedule, and our application doesn't either. Here's what people most often borrow for.
Keep your vehicle running so you don't miss work over a repair bill.
Cover a cost your insurance doesn't fully pay for.
Make up the difference before a late fee or notice is issued.
Catch up on a bill before service is disconnected.
Cover last-minute travel for a family emergency.
Avoid a cascade of NSF fees from your bank.
Every part of our process is built to remove delay, without skipping the checks that keep lending responsible.
The entire application is digital, start to finish.
We assess income and banking history, not just a credit score.
Funds go straight to your bank account once approved.
You'll know your exact repayment amount before you sign — even under time pressure.
Choose the amount that matches your emergency — only borrow what you actually need.
For small, short-term gaps.
Our most requested amount.
Our maximum amount.
In most cases, yes. Approval decisions typically take about 5 minutes, and funds are sent by Interac e-Transfer, usually within about 20 minutes of approval, 7 days a week.
We accept applications 7 days a week, 6AM to 6PM EST. Apply during those hours for the fastest response, even on weekends.
Yes. All approved loans are funded by Interac e-Transfer, which is also the fastest method available to us.
No. We do not perform a hard credit bureau inquiry that impacts your credit score. We look mainly at your income and banking history.
Up to $1,500, depending on your income and our review of your application. See our $1,500 loan page for details.
Apply now — it's free, takes under 5 minutes, and there's no obligation.
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