Simple 3-step online application
Apply in about 3 minutes from your phone or desktop. Secure verification — no printing, no faxing, no branch visits.
Instant Loans. Same-Day
Funding, Across Canada
Instant Credit helps Canadians access loans and cash advances — instant decisions and funding. Apply online 24/7 in minutes from your phone or desktop.
Multiple loan options in one place
Choose your loan — pick what fits your budget and your pay schedule.
Transparent fees & no surprises
See your total cost, due date, and repayment amount before you accept. No application fees. Clear, plain-language disclosures.
Get Emergency Capital
When You Need It
Funding by direct deposit once approved. Same-day deposit available on eligible products. Track your application status anytime in the portal.
Check eligibility
Repayments That
Fit Your Pay Cycle
Align payments with your pay schedule — weekly, bi-weekly, semi-monthly, or monthly. Pre-authorized debit (PAD) on file; never any surprise charges.
Explore repayment options
Resources For You
Built for real-life expenses — bills, repairs, moving costs, medical, school, or just bridging to next payday.
60K+
Applications received
$10M
Funded across Canada
1K+
5-star reviews
Borrow From $500
To $15,000
Amounts depend on the loan type, your province, and the lender's criteria. Larger limits available on secured options.
See loan amounts
Clarity Before You
Commit
View your total cost of borrowing, payment schedule, and effective APR before you sign. Plain-language Schedule A and consumer disclosures — every time.
See a sample quote
High-Impact To Improve Your
Life
Join thousands of Canadians who used Instant Credit to handle real-life expenses without the wait.
Explore60%
Approval rate
60K+
Applications received
$10M
Funded across Canada
Transparent Rates &
Examples
Compare loan types side-by-side and pick the one that fits your pay schedule and budget.
Instant Loan
Cash today
- ✓$500–$1,500 funded fast (often same day)
- ✓Repaid in 1–3 pay periods
- ✓No collateral or guarantor
- ✓Fixed cost — no daily compounding
- ✕Smaller amounts only
Popular
Installment Loan
Pay over time
- ✓$1,500–$10,000 limit
- ✓Fixed payments over 6–36 months
- ✓Pay early with no prepayment penalty
- ✓Reports to credit bureaus — build credit
- ✓Top up after 50% paid down
Secured Loan
Lower rates
- ✓Up to $15,000 limit
- ✓Lower APR vs unsecured
- ✓Vehicle or asset as collateral
- ✓Terms up to 60 months
- ✕Requires asset verification
Ready to see what you qualify for?
Apply in about 3 minutes. Secure verification. Soft pull only on the initial check — no impact to your credit score.
