Instant Approval Loans — Know in Minutes, Not Days
Tired of waiting days to find out if you’re approved? Our instant approval system gives you an answer in minutes. Apply now, know now, get funded now.
Banks Take Days. We Take Minutes.
See the difference instant approval makes.
- Traditional Bank
Submit application
Required
Credit check
Day 1-2
Document review
Day 2-3
Manager approval
Day 3-5
Decision call
Day 5-7
- I Need Money Now
Submit application
Less than 2 mins
Instant decision
Less than 5 mins
E-transfer sent
Less than 1 hour
Why Instant Approval Matters
When you need money, every minute counts.
No Waiting
Know your answer in minutes. No anxious days wondering if you'll be approved.
No Callbacks
Receive decision and contract via email within minutes.
No Appointments
Apply anytime, anywhere. No scheduling meetings with loan officers.
How Instant Approval Works
Our automated system reviews your application in real-time.
Submit Your Info
Fill out our simple online form with basic information about yourself, your income, and your bank account.
Instant Review
Our system automatically verifies your information and calculates your approval. No human delays.
Instant Approval Requirements
What you need — and what you don’t — to get approved instantly.
What You Need
Be 18+ Years Old
Legal age in your province
Canadian Resident
With valid ID
Steady Income
Job, self-employed, or benefits
Bank Account
That accepts E-Transfers
- NOT Required
- Good credit score
- Collateral or co-signer
- Pay stubs or documents
- In-person meeting
- Employment letter
- Perfect payment history
Instant Approval FAQ
Questions about our instant decision process.
How is the approval truly instant?
Our automated system uses algorithms to review your application in real-time. There’s no human waiting in line to look at your file — the moment you submit, our system evaluates and provides a decision within seconds.
What if I'm not approved instantly?
In rare cases where our system needs additional verification, you’ll be notified immediately. This doesn’t mean rejection — just that a team member will review your application (usually within 30 minutes during business hours).
Does instant approval affect my credit?
No. We don’t perform traditional credit checks, so applying has zero impact on your credit score. Check your approval status without any risk to your credit.
Can I get instant approval with bad credit?
Absolutely. Our instant approval system doesn’t consider your credit score. We approve based on your current income and ability to repay. Bad credit, no credit — you can still get approved in minutes.
Is instant approval available 24/7?
Yes! Our automated system works around the clock. Apply at 2 AM on a Sunday and still get your instant decision.