Instant Payday Loans 24/7 Canada 🇨🇦

From $100 to $5,000

With PaydayBuddy, receive your money quickly, without hassle, 100% online.

Even if your credit score is low, PaydayBuddy gives you access to a Instant Payday Loans from a direct lender. You can borrow between $100 and $5,000 and repay over 14 to 32 weeks, depending on your situation.

Fast decision: usually in less than 24 business hours, and if approved, the money is deposited via Interac e-Transfer the same day – often in minutes.

Applying? It takes about 5 minutes and has no impact on your credit score.

Ready to get started?

Get up to $5,000 within 5 minutes of approval†.

Apply Now

Why choose PaydayBuddy?

Choosing PaydayBuddy loans means fast approval, secure online applications, and reliable funding when you need it most. Enjoy flexible options, no hidden fees, and support even with bad credit. A smart solution for urgent financial needs, anytime.

Risk-free – your application is confidential and secure
Ultra-fast – service available 24/7
Even with bad credit – we find a solution
Direct loan – no unnecessary middlemen

Our type of micro loans

At PaydayBuddy, we believe everyone should have access to simple, fast, and 100% online credit — even with a less-than-perfect credit history. That's why we offer flexible, fast, and accessible financing solutions across Canada.

Instant payday loans for bad credit

Even if your credit history is poor, you can get a loan. Our lenders base their decisions primarily on your ability to repay, not just your credit score.

Loan without a credit check

No rigorous credit check. Apply without it affecting your credit report—perfect if you have little or no credit history.

No refusal payday loans Ontario

We partner with lenders who accept applications rejected elsewhere. High acceptance rate, regardless of your situation.

Quick Loans in Quebec

Need money right away? Our partners offer quick loans with Interac e-Transfer® deposit.

24/7 Loans Alberta

A 24/7 loans Alberta gives you access to funds at any time, whether it's Monday morning or Saturday night.

Mini loans bad credit same day

Mini loans bad credit same day from $100 to $2,500 available in just a few clicks. No complicated procedures, no hidden fees.

What is an Instant payday loans 247 Canada?

An Instant payday loans 247 Canada is a small personal loan, often less than $5,000, accessible entirely online and repayable over a short period. It's ideal for covering an emergency, an unexpected bill, or a temporary cash flow shortage.

How an Instant payday loans with No Refusal Can Help You?

Instant payday loans with no refusal are designed to give you a helping hand until your next paycheck or for a few months.

If you're looking for an instant loan of up to $5,000, this is a simple, fast, and flexible option, much more direct than with a traditional bank.

Apply online
Fast decision
Same-day Interac e-Transfer deposit

Are instant payday loans unsecured?

Yes! In many cases, no paperwork is required. Specialized lenders understand that unexpected events can happen to anyone.

Depending on your situation, it's possible
That you might be offered a slightly lower amount,
Or that a guarantor might be required for larger sums.

Like any responsible lender, we reserve the right to refuse an application if it's not suitable for your circumstances.

Are you eligible for an instant payday loans in Canada with no refusal?

Our eligibility criteria are simple:

Be 18 years of age or older
Reside in Canada
Have an active Canadian bank account with access to Interac e-Transfer®
Receive a regular income (employment, benefits, etc.)

If you meet these requirements, you can submit your application today.

Apply Now

Advantages of an instant payday loans 24/7 in Canada

Money deposited the same day, often in less than an hour after approval
Simple and 100% online process
Repayment terms from 1 to 12 months (up to 24 months for larger amounts)
Adjustable amount in $100 increments
Accessible even with bad credit

FAQ – Frequently Asked Questions ✍️

We're here to answer your questions

What is an instant payday loans with no refusal?

A quick, no refusal instant payday loans are a small personal loan that's 100% online and offers flexible approval criteria.

Often, no credit check or paperwork is required. This means that even with a poor credit history, you have a good chance of being approved.

What is Instant Bank Verification (IBV)?

Instant Bank Verification (IBV) is a secure process that allows our system, with your permission, to access certain information from your online bank account. This is used to:

Confirm your income
Verify your identity
Assess your financial stability

All without paperwork, complicated forms, or any impact on your credit score.

Your information is transmitted in encrypted form, and we never have access to withdraw or move your money—only to verify your data in real time.

Can I be approved even with bad credit?

Yes, absolutely. PaydayBuddy specializes in loans accessible to all types of credit profiles—whether you have bad credit, little credit history, or even no credit history at all.

Our partners primarily assess your current repayment capacity, not just your financial past.

How much can I borrow with a payday loans without being refused in Canada?

With PaydayBuddy, you can obtain an amount ranging from $100 to $5,000, depending on your financial situation and repayment capacity.

Is the service available 24/7 Online?

Yes! With PaydayBuddy, you can submit your application anytime, 24/7 online.

Thanks to our automated decision-making system and Instant Bank Verification (IBV), approval and transfer via Interac® e-Transfer can be completed even at night, on holidays, or on weekends.

What should I do if my application is refused?

If, in exceptional circumstances, your application is refused, we will clearly explain the reason so that you can correct or update your information.

You will then be able to reapply quickly, sometimes within a few days.

Our testimonials

What our PaydayBuddy customers say?

Even with a bad credit history, I was approved. No judgment, just genuine help when I needed it.

Jerome T., Montreal

Fast and stress-free process! I received my funds in less than 30 minutes. I highly recommend PaydayBuddy.

Sophie M., Quebec

Transparent and trustworthy. No hidden fees, everything was done securely online.

Marc D., Trois-Rivières