Updated October 9, 2026 · BorrowCue Editorial Team

Top payday and short-term loans compared in Canada

30 lenders available in Canada, ranked for Canada.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top payday and short-term loans compared in Canada
#	Lender	Score	Key facts	Actions
1	Cash Plus KosovoTop pick	8.8/10	Loan amount: €200 to €7,000 Term: 6 months Credit check: Hard	Review Compare See alternatives
2	Loans Canada Get $100 Cash Back with an easyfinancial Home Equity Loan*: CAD 100 cash back	8.7/10	Loan amount: CA$250 to CA$50,000 APR: 9.99% to 35% Term: 3 to 60 months	Review Compare See alternatives
3	Finandos 3-day trial period for the loan-matching service: EUR 0.99 for 3 calendar days	8.5/10	Loan amount: €500 to €10,000 APR: 30% to 365% Term: 12 to 120 months	Review Compare See alternatives
4	Pheabs	8.5/10	Loan amount: $100 to $1,500 APR: 200% to 400% Term: 1 to 3 months	Review Compare See alternatives
5	Creditly X	8.2/10	Arrangement fee: 0 CAD (platform free to use, no fee charged by Creditly) Credit check: Soft prequal Funding time: Some partner lenders can fund the same day	Review Compare See alternatives
6	Szybka Gotowka Polish online lender offering loans of up to 20,000 zl with terms of up to 65 days, paid to the account.	Not rated		Review Compare See alternatives
7	Minicredito24 Spanish online microcredit provider; the site states the first loan is free at 0% and that applications are completed online in minutes.	Not rated		Review Compare See alternatives
8	Microcreditos24 Spanish site for quick online microcredits, available 24 hours a day, with a first loan offered free of charge.	Not rated		Review Compare See alternatives
9	ViaSMS Czech online lender offering quick loans of up to 40,000 CZK, processed within minutes.	Not rated		Review Compare See alternatives
10	Credit Kasa Ukrainian online lender offering loans and microcredits paid to a bank card.	Not rated		Review Compare See alternatives

Browse by category

Other countries

Cash Plus Kosovo

Top pick for Canada

8.8/10See alternatives