Get An Online Installment
Payday Loan Within Minutes.

Apply for a loan in 5 min with Instant Bank Verification Stable Job - No ODSP - No Child Tax - No CPP - 18+
Need Help? Call Us: 1 (833) 423-2208
50,000
Customers Since 2018
30,000
Loans in 2023
50,000
Happy Customers
98%
Customer Satisfaction

Borrow From Canada’s Trusted Lender
in 3 Simple Steps

1Apply Online In Minutes
Applying has never been easier with no documents required!
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Your journey begins with our easy online application!
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Select your loan amount and complete our online application
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Complete your IBV (Instant Bank Verification)
2Same Day Approval
Approval decision within minutes
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We are all about user experience, and that means not having to wait days to find out the results of your application.
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Our state-of-the-art loan management software is equipped with an automated decision-making module, enabling us to approve your application in no time!
3Money In Your Bank
Receive funds the same day*
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Once you're approved, all you have to do is kick back and relax. We will automatically deposit the funds into your bank account.
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Please note that although most online loans can be funded on the same day, it can take up to 24 hours in some cases!

Affordable, Quick And Easy Personal Loans.

What do you need to qualify?
In order to get a loan from Loonie Financial,
all you need is to:
18
Be 18 years and over
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Be a Canadian citizen
account balance
Receive your pay by direct deposit
work history
Have a steady job for the last 6 months

Get Extra Money In Your Pocket Today
Services Available with Our Loans

Loan Rates
Loan Rates
We follow a maximum Annual Percentage Rate (APR) of 32%. If unpaid, the applicable interest rate is 2.66% per month.
Payment Plans
Payment Plans
We offer payment plans to let you pay back your loan via Pre-authorized Debits in a minimum period of 62 days, and maximum 160 days based on 3, 6 or 12 installments, according to your payday schedule.
Instant Bank Verification
Instant Bank Verification
No more sending documents. Apply within minutes using our Instant Bank Verification application form.
No Credit Check
No Credit Check
To us, having bad credit does not mean that you cannot repay your loan, we do not base our decision on your credit score.
Referral Program
Referral Program
Earn some extra cash by referring us to a friend of yours or family member (only applicable if you are a current client).
Rewards Program
Rewards Program
Get rewards by becoming one of our many returning customers and receive special discounts on renewals.

Affordable,
Quick And Easy Loans.

Loan Example

How Loans Are Calculated?
Example of a $500 Canadian Loan:
  • When you qualify to borrow CA$500
  • The average payback will be CA$660
  • At maximum annual percentage rate (APR) of 32%

Short-Term Loan Requirements

Offering users a great customer experience is our number one priority. In order to achieve this, we start by making the application process as simple as we can.
Once you've filled out the application, there is nothing else we need you to provide. No extra documents. If there is anything required from your part, rest assure that our helping agents will contact you ASAP. They are here to help you.
Your application can be submitted online in 5 minutes by hitting the "Apply Now" button.
When it comes to no credit check loans, Canada has the best service available: Loonie Financial, offering great payment plans and reasonable interest rates. We look forward to assisting you in finding the best financial solution for your needs.

Same Day Money Deposit

Once we receive your application we will ask you to verify your bank account using an IBV (Instant Bank Verification). Our agents will then study your banking transactions in order to assess your ability to reimburse. It is our duty to provide you with a solution that is not detrimental to your financial health. Our agents will work with you to give you the best solution for your needs.

Here’s Why Our Customers Love Us

We are proud to say that 91% of our customers love to come back to us for another loan.
Loonie Financial is the premier choice among payday lenders when seeking personal loans. Specializing in online payday advances, Loonie Financial offers unparalleled convenience and efficiency. With a seamless online application process, borrowers can swiftly access funds today, eliminating the hassle of visiting payday lenders near me. Loonie Financial stands out for its commitment to providing flexible repayment options tailored to individual needs, distinguishing it from other payday lenders online. Whether one requires urgent financial assistance or seeks a reliable source for personal installment loans, Loonie Financial remains the trusted partner for those navigating unforeseen expenses and financial emergencies.
“They helped me through rough times and were always there for me when I needed financial help. Thanks guys!”
-Alexandra M. Ontario, Canada.
“The team at Loonie Financial are super professional and very responsive with my questions. Highly recommend!”
-Shayla S. vancouver, Canada.
“You are the best!! Thank you so much!!!!! Best customer service around.”
-Dianne M. Halifax, Canada.