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Online Payday Loans With No Credit Check In Canada By Friendly Lender

Once in a while, we all need a bit of extra cash. Your credit card rate may be sky-rocketing, you may have important purchases to make or emergency renovations to be done on your dream house. No matter the reason, Friendly Lender is here to help you obtain a fast online cash advance and give you peace of mind. See why Friendly Lender may be the right choice for you below and take the first step to lifting the weight off your shoulders.

Our Online Loans With No Credit Check And Instant Approval

  • Emergency Cash for when you’re in a crunch.


    A fast online cash advance will help you and your loved ones cover unforeseen expenditures, between pay cheques or for something as simple as a car repair. Short-term loans are also helpful for avoidance of late fees, reactivating disconnected services and bypassing overdraft charges from your bank.
  • Instant approval.


    Upon completion of our fast online cash form, a response will be sent to you instantaneously. Once your application for a short-term loan has been approved, you will be guided every step of the way until your cash has been received.
  • Accepted regardless of credit type.


    In contrast to traditional loans, credit checks are not required in most cases for short-term cash advances. Your capacity to repay the loan will be assessed by a lender through employment and banking info, but no formal inquiries to major credit bureaus will be made. Friendly Lender is here to assist you no matter your situation and help put your mind at ease.
  • Next-day availability.


    Applications that have been fully approved and passed verification are usually funded the following business day. Some fast cash loans may even be eligible for funding on the same day! Please be sure to make yourself available by phone and email in case more information may be required.

Frequently Asked Questions About Short-Term Loans

  • What is a payday loan?

    Put simply, a payday loan is a short-term personal loan. A payday loan must be paid back, usually on or before your next payday. Payday loans can be obtained through different means, including storefront lenders as well as online applications. Generally speaking, borrowers of online payday loans are people who are in need of quick cash, so the entire application-to-approval process only takes a few short minutes.

    Most payday lenders will take a look at your income in order to determine your ability to repay the requested loan, while still respecting your ongoing financial responsibilities. A potential lender will also verify your bank chequing account.

    Once your loan is approved by your lender, funds can be deposited into your verified bank account. In most, if not all cases, your lender will request a post-dated cheque in the amount of the loan payment in full, plus interest and any other additional fees. This payment is deducted from your verified bank account.

    You may be wondering why the post-dated cheque is mandatory and the answer is quite simple: the cheque provides the lender with assurance that they will be reimbursed by the agreed upon date. This arrangement is necessary because, unlike tradition financial facilities or banking institutions, a hard credit check is not performed.

    Most lenders also request that your paycheque be automatically deposited into the bank account you’re having verified. The reason for this is to avoid having the post-dated cheque bounce when the payment goes through on your next payday. This is why they are called “payday loans.”
  • What Are the Benefits?

    When it comes to a payday loan, there are plenty of benefits that make obtaining an online payday loan interesting, including:
    • The ability to borrow money quickly when facing a financial emergency with no other way out.
    • Paying off a medical bill, car repair or other one-time sudden expense.
    • Obtaining a loan when you don’t have a savings account or a credit card.
    • No hard credit check is performed, allowing those who qualify to obtain a loan even if the credit score below 650.
  • How do I get a Payday Loan Online?

    If you’re looking into obtaining a loan, keep in mind that filling out an application online is the simplest way to go about it. Most lenders require both personal and financial information in order to process your application. Don’t worry about stressing for weeks or even days about loan approval, either. Payday loan decisions are rendered within minutes.
  • Where can I get a Payday Loan in Canada?

    In today’s modern and technological world, there is no need to go out, drive around, and find a storefront lender. Most applications can now be completed online which means that no matter where you’re located in Canada, you can get a payday loan. Generally speaking, Ontario, Alberta, and British Columbia are the top locations for loans in Canada but even don’t live in any of these locations, payday loan options are available to you!
  • How much can I borrow?

    Usually, short-term loans range from $100 - $1500. The lender will decide, based on your application, how much you can qualify for. After successful repayment of your loan, your loan amount may increase on any future loans.
  • When can I get my money?

    Once approved, most short-term loans are electronically deposited directly into your account within 24 hours excluding weekend and holidays.
  • Do I qualify for a short-term loan?

    First, you must be 18 years or older and a legal resident of Canada. Most lenders only require that you have an active bank account and receive over $800 a month in take home pay. A valid email address and working phone number are also required.
  • What if I have bad credit?

    Short-term loans are available to borrowers of all credit types. Even with bad credit you can still qualify for a loan. Your credit score is not a factor in receiving the loan in most cases.
  • What types of fees are involved?

    The lenders in Friendly Lender's network are very competitive with their fees. Short-term loans can be more expensive than traditional bank loans and are only intended for short-term needs. Please be sure to understand all terms and costs before accepting a short-term loan.
  • Are there any restrictions on use of funds?

    No, you may apply for and use the loan for any purpose you choose. Common uses for short-term loans include paying bills, avoiding late fees, helping with rent or mortgage, or simply needing extra cash before the next pay cheque.

For a comprehensive list of FAQs, please click here.