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I Need Money Now

When you are borrowing money, you need it as soon as possible. If you had time to build up savings, you wouldn’t be considering taking out a loan. Friendly Lender understands that unexpected expenses can pop up out of nowhere and cause individuals like you to be strapped for cash.

How to Get Money Right Now?

If you have ever said “I need money” and you need it now, Friendly Lender can help you get the money you need in Canada because the direct lenders we work with offer a wide range of financing options. These are just a few of those options:

Payday Loans: These are one of the more popular choices for borrowers who need a quick infusion of cash and don’t want to have to make multiple payments. These types of loans are short term loans that are intended to be repaid in a single lump sum, on or before your next paycheque. Many payday loans don’t require a hard credit check, so these are the easiest to obtain for borrowers with bad, poor or no credit.

Cash Advance: A cash advance is an option for those who need fast cash that is paid back quickly. Similar to a payday loan, a cash advance does not rely on looking in depth at your financial history in order for you to receive an approval. The major difference is that these do not have to be repaid on your next paycheque.

Installment Loans: These are for larger expenses. One common reason why people might take out an installment loan is a home improvement project. Installment loans are paid back over a longer period of time in a set number of payments, on a schedule that is determined by your lender.

Personal Loans: Personal loans online do require a credit check, but they are an option for individuals with a better credit history. This type of loan can be for short or long term financing.

Personal Loans

If you have a good credit history, a personal loan online may be an option for you, but you should know that these loans are not the best choice for when you need quick cash. Unlike payday loans and cash advances, many lenders will require a credit check in order for you to be approved for a personal loan. These are unsecured loans. This means that there is no collateral which means they are a lot harder to obtain than a loan with collateral and they require more time in order for an approval decision to be made. So, if you’re looking for cash fast, or have bad credit, you may want to consider other options that will be more suited to your situation.

Payday Loans

Friendly Lender has staff on hand that can help you request a payday loan so that you can get the cash you need, fast. If you just need a little cash to keep things going until your next paycheque, consider a payday loan through Friendly Lender’s direct lenders.

Payday Loans are an easy way to request money from a lender without a hard credit check or a complicated application process. Simply fill out the online form which takes only a few minutes to complete.

This is how it works: You fill out the form, making sure to completely fill in all the blanks and that all of the information you provide is accurate. Any inaccurate or missing information will slow down your decision. If your request has been approved, you will be sent to a page where you can review your contract. Be sure that you read the entire contract, including the fine print. Your interest rate and repayment terms will be available for your review. Ask your lender any questions you may have before you sign the contract and return it. Once all of that is complete, you will receive a deposit of the loan amount. On or before your next payday, you pay the money back to your lender and you’re done! The smart way to do this is to never request a loan for more than you can pay back inside the term of your lending agreement.

Payday loans are sometimes called bad credit loans and are one option for people with no credit or a bad credit history because your paycheque secures your loan. It’s a kind of collateral, which means that your lender can lay claim to it if you fail to repay. What most people need to qualify is proof of a steady income, this type of “soft” credit verification may not impact your credit score. These can be ideal when you need money or quick loans in Canada and not sure what to do.

Cash Advance

You may be thinking, “I need fast cash.” If you are, fast cash loans or an online cash advance may be the right choice for your situation. A cash advance is a lot like a payday loan, except that you don’t have to pay it back as quickly. When you receive a cash advance, the funds are deposited directly into your banking account and you can use it for any purpose. Some common reasons people consider applying for a cash advance are:

  • Overdue Bills
  • Rent overdue
  • Medical fees need to be paid
  • Auto repairs that can’t wait

Friendly Lender and the lenders we work with don’t need to know what the money is for. We understand that everyone falls on hard times every now and then. Your financial situation may be the result of bad luck and we believe that everyone deserves the chance to request loans when these situations fall upon them. Your cash advance may be able to help you recover from tough financial situations if you use the opportunity wisely, but how you use that opportunity is up to you.

Both of these types of loans are intended to be emergency loans.

You should also know that there is no such thing as a “no credit check” loan. Every lender performs a credit verification, even if all they do is inspect your paystub. Do not be fooled by companies offering “no credit check loans.” These do not exist in this industry, but don’t let that discourage you from requesting a loan with Friendly Lender’s and the direct lenders we work with!

It doesn’t matter whether you need $100, 300 or 500 dollars fast cash. It takes just a few minutes to complete the form and the lenders we work with make fast decisions, so you will know if you’re approved quickly to get fast cash.