The #1 payday loan alternative in Canada
We don’t take “no” for an answer. Compare payday and installment loans from $100 to $2,500 in minutes, with no credit check to compare.
Complete our short, secure online form. It takes about 5 minutes, and comparing is free.
Our algorithm compares the offers you prequalify for. Check the total cost, due dates and fees before you choose.
Sign with the lending partner you choose. Many send funds by Interac e‑Transfer, often the same business day.
No credit checks to compare. Your credit history doesn’t define you here.
See your options in minutes and access funds quickly once approved.
Free, unbiased comparison with your information protected by encryption.
Since January 1, 2025, Canada caps the cost of a payday loan at $14 per $100 borrowed. Some provinces set a lower cap. That sounds small, but over two weeks it works out to an APR of about 365%.
Most provinces also limit payday loans to $1,500 and a term of up to 62 days. For larger amounts, our partners offer installment loans, which are capped at 35% APR.
Compare with an installment loanPayday loan cost at the federal maximum
| You borrow | Cost | Repay in ~2 weeks |
|---|---|---|
| $300 | $42 | $342 |
| $500 | $70 | $570 |
| $1,000 | $140 | $1,140 |
| $1,500 | $210 | $1,710 |
The same $1,000, two very different results.
Payday loan
Installment loan
See the difference? Payday loans should always be your last option.
Many lenders in our network look at your current income and banking activity rather than your credit score. Some do no hard credit inquiry. Others use a soft check, which doesn’t affect your score, or secure instant bank verification.
“NoRefusal” is our brand name, not a promise: no one can guarantee approval. What we do is send your request to the lenders most likely to accept your profile. If one declines you, you can reapply after 7 days and be matched with a different lender.
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Free to compare, and it won’t affect your credit score. Loans from $100 to $2,500.
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“NoRefusal.ca was a lifesaver when I hit a rough patch financially. The process was so straightforward and quick, I had my loan options in minutes without any impact on my credit score. Truly grateful for such a seamless experience!”
“I can’t recommend this website enough! Not only did they provide me with a variety of loan choices, but the fact that it was completely free and didn’t require a credit check made all the difference for me. It’s reassuring to have such a reliable service at hand.”
“I’ve used other comparison services before, but NoRefusal.ca stands out for its user-friendly interface and quick results. I was connected with a lender that matched my needs without any hassle. It’s my go-to resource for loans now.”
NoRefusal.ca is a free online service that provides comparisons of payday loans and installment loans from various lenders. We specialize in facilitating loans for individuals who may have difficulty obtaining credit from traditional financial institutions.
First of all, let’s get this clear: “NoRefusal” is our brand name. We chose that name because we’re tired of seeing countless Canadians refused by all the lenders due to their poor credit or financial situation. We believe that everyone deserves a shot, which is why we created this platform where users can apply more than once and be redirected to different lenders. Even if one lender refuses you, that doesn’t mean another won’t accept you. All this without a credit check and for free! Just make sure you meet the minimum requirements before applying to maximize your chances of approval.
Even though we do our best to redirect you to the lender most likely to accept you, our filtering process can make mistakes. You can reapply every 7 days to try again with a different lender. If you don’t fit the requirements of any lender, you will be redirected to a cash advance option that only requires a valid bank account.
We have partnered with numerous payday loan and installment loan providers to compile and compare the best loan options for you. Just fill out our simple online form, and our system will match you with potential lenders that fit your financial needs.
You can compare various loans with different terms and conditions. These are short-term loans intended to cover immediate expenses until your next payday.
Yes, NoRefusal.ca is completely free for users. We earn our revenue through commissions from lenders when you decide to take a loan through our service.
No, NoRefusal.ca does not require a credit check. We believe that everyone should have access to financial assistance, regardless of their credit history.
If a lender approves your loan application, the funds may be deposited into your bank account as quickly as the next business day. Turnaround times can vary by lender and your bank’s processing times.
Yes, we use the latest encryption technology to protect your personal information. We do not share your details with third parties without your consent, except for the purposes of securing a loan.
Most provinces cap payday loans at $1,500, and the lender can only lend up to a share of your net pay. For $1,500 to $2,500 or more, our partners offer installment loans repaid over several months, capped at 35% APR.
Since January 1, 2025, the federal maximum is $14 per $100 borrowed, and some provinces set a lower cap. Borrowing $500 for two weeks costs up to $70, so you would repay $570. That is an APR of about 365%.
After you sign, many lenders send funds by Interac e‑Transfer, often the same day if you’re approved early on a business day. Otherwise expect the next business day.
Common reasons include no regular income, no active chequing account, being under the age of majority, living in a province where the lender isn’t licensed, or having an unpaid loan with the same lender.
In most provinces you can cancel a payday loan within 2 business days of signing without penalty, by returning the money to the lender. Check your agreement for the exact cancellation terms.
A failed payment usually triggers an NSF fee from your bank and a default fee from the lender, which many provinces cap. The debt may eventually go to collections and appear on your credit report. If you can’t pay, contact the lender before the due date: many offer an extended payment plan.
Lenders must be licensed where you live. Regulators: Alberta: Service Alberta. British Columbia: Consumer Protection BC. Manitoba: Consumer Protection Office. New Brunswick: Financial and Consumer Services Commission. Newfoundland and Labrador: Digital Government and Service NL. Nova Scotia: Service Nova Scotia. Ontario: Consumer Protection Ontario. Prince Edward Island: Consumer, Labour and Financial Services. Saskatchewan: Financial and Consumer Affairs Authority. In Quebec, the Office de la protection du consommateur enforces a 35% annual rate cap, so payday loans are generally not offered.
Compare lenders that look at income and banking activity rather than your credit score, apply for an amount that fits your pay, and make sure your chequing account is active. If you’re declined, you can reapply after 7 days to be matched with a different lender.
Yes! If you are looking for an ODSP loan, we can help you out.
Free to use
No credit check to compare
Loans from $100 to $2,500
