Choose A Loan That
Fits Your Budget
Instant Credit is your portal to online loans tailored to your pay schedule. Pick the loan, pick the term, see the total cost up front.
How It Works
A Simple, Secure Application
No Paperwork
Apply Online
Share basic details and securely connect your bank for instant verification — no printing, no faxing, no branch visits.
Check eligibility
Review Offers
We present every loan you qualify for — amount, term, total cost, APR. Pick the one that matches your pay schedule.
Get startedGet Funded
Sign electronically. Funds deposited via Interac e-Transfer or direct deposit — often same day on eligible products.
Check eligibility
Manage & Repay
Track payments in your portal. Repay early any time with no prepayment penalty. Installment loans report to credit bureaus — build credit while you pay.
Get startedFrequently 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.
What are the minimum requirements? +
You must be 18+ (19+ in some provinces), a Canadian resident, have a steady income source, and an active Canadian bank account.
