How Our Same Day, No Credit Check Cash Loans Work

Get a loan of up to $750 today with a flexible payback schedule of up to 16 installments over 120 days. The application process is entirely paperless and takes less than 5 minutes. No credit check is required.

Our loans are a great alternative to payday loans: you get more money and have more time to pay back!

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Am I Eligible?

If you are employed, you are most likely eligible for our loans. Make sure you meet the following criteria:

Age & Citizenship

Canadian citizen, 18 years or older.


Minimum net monthly income of $1200.


Have a stable employment with a minimum of 3 months of service.


Have a Canadian bank account with direct income deposit by your employer.

Have few or no NSF transactions.


Must not be on the brink of bankruptcy or entering into a consumer proposal.


Have a low short-term debt ratio, such as payday loans or other short term loans.

Application Process

Our application process is fast and easy and takes less than 10 minutes. It is 100% paperless for your convenience. We believe SimpleLoans is the simplest way to get a flexible 90 to 120-day cash advance.

How it works (5 minutes)

  • Fill out a simple questionaire about yourself and your employment situation
  • Review the detailed payment structure and fees
  • Accept the terms and conditions of the loan
  • Fill out the Instant Banking Verification questionaire
  • Wait for approval

Approval Process

We strive to approve the majority of applicants within 60 minutes.

How it works

  • We verify that the information you provided is legitimate.
  • We ensure that you are able to repay the loan you are seeking.
  • We may call your employer to confirm employment. For your privacy, we will never disclose that you are seeking a loan and we will not identify ourselves.
  • You will receive an email once your loan is approved. Approval generally takes 15 to 60 minutes, but may take longer outside of business hours or if additional verification is needed on our part.
  • We send your money immediately after approval. It generally arrives in your account within a few hours.

Payback Structure

Your loan will be repaid over a period of approximately 3 months. Depending on your pay frequency and the amount borrowed, you will make multiple small payments over a period of 3 to 4 months. Each time you are paid by your employer, we will debit your bank account for the amount of an installment, as presented and agreed by you during the application process.

For example, if you are paid every 2 weeks and borrow $500, you will make 2 small easy payments per month for a total of 6 payments. These installments will include the principal as well as all interest and fees.

If for unforeseen reasons you need to reschedule a payment, you may do so by notifying us at least 24 hours in advance.

You may renew your loan 28 days or less before the end of the duration of your current loan.

Ready to claim your cash?