Choose A Loan That
Fits Your Budget
Instant Credit connects you with licensed Canadian lenders offering instant loans, installment loans and secured loans — tailored to your pay schedule.
How It Works
A Simple, Secure Application
No Paperwork
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Frequently Asked Questions.
What is Instant Credit? +
Instant Credit is a Canadian loan portal that connects you with licensed lenders offering instant loans, installment loans, and secured loans — quickly and transparently.
How does it work? +
Complete a short online application, securely connect your bank for verification, review the loan options you qualify for, then e-sign and receive funds — often the same day.
How much can I borrow? +
Loan amounts depend on the type: instant loans $500–$1,500, installment loans $1,500–$10,000, secured loans up to $15,000. Final amount depends on your province, income, and the lender’s criteria.
Will applying affect my credit score? +
No — the initial eligibility check is a soft pull, which does not affect your credit score. A hard inquiry only happens if you accept and sign a loan agreement.
How fast can I receive funds? +
Eligible loans can be funded the same day via Interac e-Transfer. Direct deposit typically takes 1 business day depending on your bank.
