Borrow $300 to $1,500 and have it by Interac e-Transfer in about half an hour. No paperwork, no credit check, no waiting room — real people, not a bank.
No documents to dig up, no phone calls, no waiting. This is the whole thing, start to finish.
Answer a few questions and connect your bank securely. That's it — no paystubs, nothing to upload.
Someone on our team reviews your file — not a bot. Usually takes about 25 minutes.
Interac e-Transfer straight to your account, evenings and weekends included.
Pick an amount to see the payment amount and what people usually use it for.
These are the latest reviews, not the best ones.
Quick and easy to fill out an application and get a loan. Money was in my account in 23 minutes — they weren't kidding about the timing.
Applied at 11pm after my fridge died. Money landed at 11:34. I'm a single dad with bad credit and three banks turned me down — these guys treated me like an actual person.
Quick response time and got approved with bad credit. Highly recommend — wish I'd found them sooner instead of going to a payday store in person.
Got my $1,200 funded but it took 50 mins not the advertised 30. No complaints about the experience otherwise — payment plan was clear, no surprises.
Used InstantLoans twice before for car stuff and now once for a daycare deposit. Renewal is even faster than the first time. Glad these guys exist.
We're the lender, not a broker, so every answer here comes from us.
Probably yes. We don't run a credit check — not even a soft one. We look at your last 90 days of bank activity to confirm you've got steady income, and that's it. About 9 in 10 people who complete the application get approved.
If banks have turned you down before, that has zero bearing on your decision with us. Past denials, low scores, no credit history — we never see any of it.
Short-term loans cost more than bank loans — we won't pretend otherwise. Our regulated rate is $15 per $100 borrowed every 14 days, set under the Canadian Payday Loans Act, 2008.
Your full payback amount and bi-weekly installment breakdown are shown clearly on your contract before you sign anything. No hidden fees, no setup charges, no early repayment penalties. The number you see at signing is the number you pay.
No. We don't pull your credit report or run any kind of check — hard or soft. Applying with InstantLoans has zero impact on your credit score. You can apply, get approved, even sign the contract — none of it shows up on your credit file. The loan itself is not reported to the credit bureaus.
IBV is how we verify your income without making you upload paystubs or bank statements. You log in directly to your bank's secure portal — we never see, store, or have access to your password.
In return, we get a one-time read-only copy of your last 90 days of statements, used only to confirm you have steady income. We can't move money. We can't change anything. The link expires automatically after 90 days.
It uses bank-grade 256-bit encryption — the same standard your bank uses for online banking.
Tell us before the payment is due, not after. We can defer most installments by up to 14 days at no extra cost. We'd rather work with you than chase you.
A missed payment without notice does incur an NSF fee from your bank plus a late fee from us. We don't sell debts to collectors and we don't garnish wages. We're a Canadian-licensed lender, not a loan shark.
Honest answer: our model needs predictable income from steady employment. We can't lend to applicants whose primary income is government assistance (ODSP, EI), disability benefits, CPP, child tax, or private pensions.
We also can't lend to people who are self-employed, on student loans, currently filing for bankruptcy or about to enter a consumer proposal, or under 18. If that's you, we'd rather tell you upfront than waste your time.
First-time borrowers can be approved for $300 to $1,500. Your specific limit depends on your verified income — we won't lend you more than you can comfortably repay across your bi-weekly installments.
Returning customers in good standing often qualify for higher amounts on subsequent loans.
Yes. InstantLoans is a direct lender (not a broker), provincially licensed in Ontario, BC, Alberta, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland and Labrador. We're regulated under the Canadian Payday Loans Act, 2008. Quebec residents are not currently eligible.
Yes to both. Repay early at any time with no penalty — we never charge you for paying us back faster. For deferrals, most installments can be pushed by up to 14 days at no extra cost; just let us know before the payment is due.
One short form. About 30 minutes. Up to $1,500 in your account by Interac e-Transfer.
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