Micro Loans Canada — Cash Before Your Next Paycheck
Need cash to bridge the gap until payday? Get $300 to $3,000 deposited directly into your account within 1 hour. No credit check. No paperwork. Just fast money when you need it.
- No credit check required
- Instant approval decision
- Money via E-Transfer
- 2-minute application
What Is a Micro Loan?
A Micro loan is a short-term loan designed to help you cover unexpected expenses or bridge the gap between paychecks. Unlike traditional bank loans that take weeks to process, micro loans provide fast access to cash when you need it most.
At I Need Money Now, we’ve streamlined the process to get you funded in as little as 1 hour. No lengthy paperwork, no credit score requirements, no judgment — just fast cash deposited directly into your bank account.
- Short-term solution: Designed for temporary financial gaps, not long-term debt
- Fast approval: Know within minutes if you're approved
- Flexible amounts: Borrow between $300 and $3,000
- Easy repayment: Pay back over 6 months in manageable installments
Why Choose Our Micro Loans?
We’re not like traditional lenders. We’re faster, friendlier, and built for real life.
Lightning Fast
Apply in 2 minutes, get approved instantly, and receive your money within 1 hour via Interac E-Transfer. Because emergencies don't wait.
No Credit Check
Your credit score doesn't matter to us. We approve based on your income and ability to repay, not your financial past.
Zero Paperwork
No pay stubs, no bank statements, no tax returns. Our online application only asks for basic information.
100% Secure
Bank-level 256-bit encryption protects your data. We never share or sell your personal information.
Flexible Repayment
Pay back over 6 months in manageable weekly or bi-weekly installments. No balloon payments, no surprises.
Reach Out to Us
Real people available to help. Questions? We treat you like a human, not a number.
How to Get a Micro Loan
Three simple steps. That’s all it takes to get cash in your account today.
Complete Our Online Application
Fill out our simple form with basic information — your name, address, employment details, and banking info. No documents to upload, no paperwork to fax. Takes about 2 minutes.
Get Your Instant Decision
Our system reviews your application immediately. No waiting days for a callback. You'll know if you're approved within minutes. No credit check means no impact on your credit score.
Receive Your Cash via E-Transfer
Once approved, sign your loan agreement digitally and receive your funds via Interac E-Transfer directly to your bank account. Most customers receive their money within 1 hour.
Payday Loan Requirements
Getting a payday loan with us is simple. Here’s what you need to qualify:
Be 18+ Years Old
Must be of legal age in your province
Canadian Resident
Must be a resident of Canada with valid ID
Steady Income
Employed, self-employed, or receiving regular benefits
Active Bank Account
Canadian bank account that accepts E-Transfers
- What You DON'T Need
- Good credit score
- Pay stubs or proof of income documents
- Bank statements
- Collateral or co-signer
- In-person visit to a store
- Tax returns or financial statements
- Perfect employment history
How to Get a Micro Loan
Common questions about our micro loans answered.
How quickly can I get a micro loan?
Most approved applicants receive their funds within less than 1 hour via Interac E-Transfer. The entire process — from application to money in your account — typically takes less than 1 hour. Some banks may take up to 24 hours to process the transfer.
Will applying affect my credit score?
No. We don’t perform traditional credit checks, so applying won’t impact your credit score. We approve based on your income and ability to repay, not your credit history.
Can I get a micro loan with bad credit?
Absolutely. Bad credit, no credit, past bankruptcy — none of that matters to us. We believe everyone deserves access to emergency funds when they need them. Your past doesn’t define your future with us.
What if I can't repay on time?
If you’re having trouble making a payment, contact us immediately. We work with our customers to find solutions. It’s always better to communicate with us than to miss a payment without notice.
How much can I borrow for my first loan?
First-time borrowers can typically borrow between $300 and $1,000 depending on their income. As you build a positive repayment history with us, you may qualify for higher amounts up to $3,000.
Are there any hidden fees?
No hidden fees, ever. The interest rate and all terms are clearly disclosed before you sign anything. What you see is what you get. We believe in complete transparency.