I Need Money Now

Need money now in Canada?

If you are struggling to make ends meet, here is some advice on what your options may be. Living in Canada has become increasingly expensive due to ever increasing rent costs and stagnant lower income levels compared with previous years. At the end of each month, many Canadian individuals are left with little money due to their efforts to keep up with living costs despite their best efforts.

It’s long been known that life can get pretty pricey when it comes to where we live-especially if you’re an urban dweller who pays a lot of money toward housing each month. With the average income levels much lower than they were 10 years ago due high unemployment rates throughout many parts of the country combined with rising costs, at least 1/3rd Canadians find themselves strapped for cash by the end every month without fail – no matter how hard we work! 

Having extra money can change your life, allowing you to become more financially secure. You could save up for emergencies or pay off debts with the additional cash flow. Additionally, it might be possible to start a vacation fund and/or purchase an investment in real estate – there are many ways that having some extra funds would positively impact one’s financial stability.

When you need money

If you’re looking for a quick and easy way to borrow money now, we can help! Our Lenders offer affordable short-term loans that are fast, reliable, secure—and entirely online.

Short Term loans have gotten more common in the past few years as Canadians look for alternative ways of borrowing money if they need it immediately. If this is true about yourself or someone you know who has an emergency where cash must be acquired quickly (a car repair bill), then our loan service may be perfect because not only do our lenders provide ready funds but also work with customers through every step of the process by offering supportive customer support services 24/7 via phone call or live chat.

The following are three primary advantages of applying out a short term loan with us when you need money fast:


-Apply for a loan without leaving home with our online application that is quick and simple to complete. All you need is access to the internet to apply for a loan. Fill out an online application on your phone, tablet, or laptop and get an acknowledgment immediately.

-Quick payment: After you’ve been approved, you’ll get paid via e-transfer within a business day. This is not only helpful, but it’s also secure!

-Choose the repayment amount that best fits your budget and schedule. Short-term loans enable you to pay off the debt in one payment on your next payday, depending on your province of residence.

Who is Eligible?

canadian man
Canadian Resident
18+ years of Age
Has a Bank Account
Proof of Income

Requirements to apply for loan when you need money now

The applicant must be at least 19 years old.

A  Canadian citizen or resident.

For the previous three months, he or she has received the same amount of money.

At least $800 per month in net earnings is required.

You must have a valid Canadian bank account that has been in operation for at least three months and access to internet banking. You’ll also need a working mobile phone, and email address, and a fixed address.

Need Money now with Bad Credit

If you need money right away and have terrible credit, an online lender may approve you for a quick bad credit loan even if your credit score is low. Lenders aim to offer every client the same chance as everyone else to get a simple and trustworthy source of financial borrowing.

Many Canadians have bad credit today. Credit scores vary from 300 to 900, with the average credit score in Canada being 650, according to TransUnion.

A good credit score is critical for anyone wanting to live a financially successful life. Only so much money and savings can get you through tough times, especially when financial difficulties arise. A good credit score is one of the most important indicators that can help you obtain loans and other forms of credit.

Because traditional lenders, such as banks, are typically risk-averse, credit scores are an indication of trust for them. Private online lenders offer a great opportunity to get a loan without jeopardizing your credit score.

It’s not your credit score that helps us determine who is eligible for an instant loan. It’s the critical information needed to verify the borrower’s identity and confirm the information provided on the application.


  • Paperless
  • No Hidden Fees*
  • E-Transfer of Approved Funds
  • Fully Automated Application System
  • Apply 24 Hours a Day
Why Crediteck?

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

Traditional Lenders

  • A Lot of Paperwork
  • Hidden Fees
  • Traditional Bank Transfer
  • Review and approval may take time
  • Limited Availability