Friendly Lender

'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.

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*Does Not Affect Your Credit Score

Who is Eligible?

A Canadian Resident
A Canadian Resident

Applicant must be a legal Canadian National or a Citizen

18+ Years of Age
18+ Years of Age

Must present a legal age with age proof

Stable Income
Stable Income

Must have a steady income source 

Valid Bank Account
Valid Bank Account

Applicant must have an active bank account

How to Get Money Right Now?

Friendly Lender can assist you in obtaining small loans because the direct lenders with which we collaborate provide a comprehensive variety of financing alternatives. These are just a few of those options:

Payday Loans: These are some of the most popular alternatives for borrowers looking for a quick cash infusion but don’t want to have to make frequent 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. Although payday loans do not require a hard credit check, they are the most accessible to borrowers with terrible, bad, or no credit.

Cash Advance: A cash advance is a form of immediate, high-cost credit that is paid back in a short amount of time. A cash advance works similarly to a payday loan in that it does not require you to submit extensive documentation in order for you to receive approval. The major difference is that these do not have to be repaid on your next paycheque.

Installment Loans: These are for larger expenditures. A home improvement project can be a typical reason why individuals take out an installment loan. Installment loans are paid back over a longer time frame in a set number of installments, according to your lender.

Personal Loans: Personal loans online do need a credit check and are unsecured, but they are available to those with excellent credit. This form of funding can last anywhere from a few weeks to several months.

Which Loan You Should go for?

Personal Loans

If you have a good credit score, personal loans online may be an alternative for you. However, if you need fast cash, these loans are not the ideal solution. Many lenders will may demand a credit check in order to accept you for a personal loan, regardless of your credit score, although payday loans and cash advances are frequently given regardless of your credit score.

Payday Loans

Friendly Lender has advisors on staff to assist you in requesting a payday loan so that you may receive the cash you need fast. If you only need a small amount of money to keep things going until your next paycheque, consider borrowing it from Friendly Lender’s direct lenders. Payday loans are a quick and easy way to get money from a lender without having to require a credit check or apply for one. The online application may be completed in as little as a few minutes.

This is how it works: You complete the form, making sure to completely fill out all of the spaces and that everything you provide is correct. Any incorrect or missing information will slow down your decision-making process. If you’ve been approved for a loan, you’ll be sent to a page where you may look over your contract. Check the small print of the agreement carefully; your interest rate and repayment terms will be accessible for inspection. Before you sign the contract and return it, ask your lender any questions you may have. You will get a deposit of the loan amount once all of this has been completed. You repay the money to your lender on your next payday, 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.

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 similar to a payday loan, but you don’t have to pay it back right away. When you obtain a cash advance, the money is immediately credited to your bank account and can be used 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
 

We don’t have to tell Friendly Lender or the lenders we work with what the funds are for. We understand that everyone has difficulty now and then. Your financial circumstance may be due to bad luck, and we think that everyone has a right to apply for loans when they are in need of them. If you utilize your cash advance wisely, it may be able to assist you to get out of a difficult financial position. However, it is up to you how you use the opportunity.

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

Whether you need $100, 300, or 500 dollars and need money now, we can help. The process takes just a few minutes and the lenders we collaborate with provide fast verdicts so you will know if you are accepted right away.

Applying for an Online Loan is easy as 1-2-3

How it works?

Fill an online Application
Easy, safe and secure online application
Direction Arrows
Get Quick Decision
Get an almost instant decision on your application
Direction Arrows
Receive Money
Funds deposited into your account as soon as next business day

Loan Details

Help Choosing the right loan? Learn more about all our loans. and see which one is right for you.

Commonly Used For:

Bill Payments

Vehicle Repairs

Medical Expenses

Friendly Lender

Friendly Lender

  • Paperless
  • No Hidden Fees**
  • E-Transfer of Funds
  • Apply 24 Hours a Day
  • Fully Automated Application System
  • Secure and Private Platform
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How we differ?

**We will never charge you fees for our service or ask you to pay upfront fees to be considered for a loan.

Other Traditional Lenders

Other Traditional Lenders

  • A Lot of Paperwork
  • Low Approval Rate
  • Traditional Bank Transfer
  • Review and approval may take days, weeks or months.
  • Unsecure

Have questions? We can help.

As long as you are 18 years of age or above, legally reside in Canada and have a steady stream of income, you will be able to qualify for our online loan services.

Other requirements by a majority of lenders are that you have an active bank account and take in at least $800 in monthly payments. You will also need a valid email address and working phone number where you can be reached.

The Friendly Lender network of lenders has some of the most competitive fees in the industry.

Short-term loans tend to be more costly than traditional bank loans and are mainly intended for short-term needs. Please be sure to review all terms and conditions, including the repayment terms of your loan within your consumer loan agreement before accepting a short-term loan.

The information required in order to complete a request for an online loan includes your name, address, contact details, employment information, and banking details. SIN is not required, but opting to include it with your information may increase your options for the amount of online lenders available to you.

Have more questions?

See all FAQs

We have helped thousands of Canadians Like you at times of need.
Ready to get started?

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