01Step 01
Drop your details.
Email, amount, term. Three minutes. No credit-impact pre-check.
Personal loans · Canada
Need cash today?
Apply in minutes. Decisions are fast. Funds as soon as same-day.
- 3-min application
- No credit-impact pre-check
- Same-day funding possible
$35K
Loan ceiling
From $5K
3.0
Minutes
To apply
24hr
Decision
Often faster
Apply in three minutesDecisions in under 24 hoursFunds as fast as same-day$5K to $35K loan rangeNo credit-impact pre-checkCanada-wide partner networkApply 24/7 onlineApply in three minutesDecisions in under 24 hoursFunds as fast as same-day$5K to $35K loan rangeNo credit-impact pre-checkCanada-wide partner networkApply 24/7 onlineApply in three minutesDecisions in under 24 hoursFunds as fast as same-day$5K to $35K loan rangeNo credit-impact pre-checkCanada-wide partner networkApply 24/7 onlineApply in three minutesDecisions in under 24 hoursFunds as fast as same-day$5K to $35K loan rangeNo credit-impact pre-checkCanada-wide partner networkApply 24/7 onlineApply in three minutesDecisions in under 24 hoursFunds as fast as same-day$5K to $35K loan rangeNo credit-impact pre-checkCanada-wide partner networkApply 24/7 onlineApply in three minutesDecisions in under 24 hoursFunds as fast as same-day$5K to $35K loan rangeNo credit-impact pre-checkCanada-wide partner networkApply 24/7 online
The processThree minutes.
Three minutes.
Three steps.
02Step 02
Get matched.
We match your details to lenders who say yes. Most decisions in minutes.
03Step 03
Funds as fast as today.
Approved? Funds may deposit the same day depending on your bank.
Real Canadians, real timelines
When you need cash today, you don't have time for paperwork.
9pm → 12pm next day
“Applied at 9pm. Approved by 8am. Funds in my account by lunch. I had a car repair I couldn't put off.”
Megan T.
Toronto, ON
vs. 7-day bank quote
“Three minutes to apply. Five questions. No phone tag. I'd been quoted seven days at my bank.”
Daniel R.
Burnaby, BC
Questions
Four questions people ask first.
Plain answers, no fine print. More on the how it works page.
Apply before noon, get approved by a lender that supports same-day deposit, and funds can hit your bank that afternoon. Apply at night or on weekends and expect funds within one to two business days — limited by your bank's processing window, not ours.
No. When you apply, we run a soft credit signal that does not impact your score. A hard pull only happens if you accept a specific lender's offer — and only that lender pulls.
Usually a photo ID, proof of income (recent paystub or two months of bank statements), and your bank account info for deposit. Some lenders may request additional documents — we'll tell you upfront.
We tell you fast. No string-along, no 'we'll be in touch.' If our partner-lender network can't match you, you'll know within hours. We never sell your information to debt-relief or payday-loan operators.
Reading
All postsSpeed, decoded.
Field notes on Canadian personal lending — how fast funding actually works, what a soft credit check really means, and what to do if you're declined.
Featured · 7 min read
How fast is 'fast' in Canadian personal lending?
Banks say 5-7 business days. Some lenders say 'instant'. The truth is somewhere in between — here's what actually controls the timeline.
Read the postComing soon · 6 min read
What 'same-day funding' actually means.
It's not magic. It's a payment-rail conversation. Here's what has to be true for funds to land before 5pm on the same business day.
Coming soon · 5 min read
Three reasons banks take 5-7 days (and why we don't).
The timeline isn't because banks are careful — it's because their pipeline was built before the cloud existed. We compressed it.
Apply now
Bills due now?
Apply in minutes. No credit-impact pre-check. Funds as fast as same-day.