![We-ve-Largest-Lender-Network-In-Canada](images/We-ve-Largest-Lender-Network-In-Canada.webp)
We've Largest Lender Network In Canada
Join thousands of Canadians who use Whizz to get flexible, on-demand, best payday loans online. No haggling, no paperwork; we make it easier to find the right loan for you.
- *Whizz is an independent comparison website, not a lender or a broker.
- *Applying won't affect your credit score.
- *All loans are subject to creditworthiness and affordability checks.
Need money? No Worries. Apply for up to $1,500
Whizz is a simple, secure, and 30x faster way to borrow money anytime. Apply online, get an instant decision, and once approved, get your money in under 5 minutes*.
Start applicationOne-stop lending solution that's right for you.
100% Online Application.
Applying is available 24/7 online, and it is super simple. You don't need to do paperwork or schedule face-to-face meetings with lenders. You need to apply from the comfort of your couch; rest we'll do.
Instant Decision In 2-3 Minutes.
No more waiting and wondering. Once you've applied, we'll give you a fast decision. You only need to sign your loan contract and send it back digitally if approved.
Get fast funding to fuel your growth.
After that, once we receive your loan contract, your funds will be transferred straight to your bank account within 5 minutes through Interac e-Transfer®, no matter the time or day.
* Whizz is an independent comparison website, not a lender or a broker.
4 reasons to join Whizz for payday loans
Safe & Secure.
We respect your privacy and security. Whizz's system uses full encryption technology to protect its customers' data and make it 100% confidential.
100% Canadian Lenders.
Whizz only works with trusted and legit Canadian direct lenders. They all are valid license holders and fully compliant with provincial laws and regulations.
5 Minutes Funding.
Apply online, get an instant decision, and get funded by e-transfer within 5 minutes if approved. We're open 24/7 on weekends and even on holidays.
Bad Credit? We Accept It.
Are you facing rejection for a bank loan due to your poor credit score? Don't worry! At Whizz, you can apply for our bad credit loans and borrow up to $1,500.
![Choose-Whizz](images/Choose-Whizz.webp)
Know where you stand.
Compare your options.
Choose Whizz.
Payday Loans.
Payday loans are popular short-term loans that are known for quick cash solutions. These loans enable borrowers to get the fast money they need, especially during emergencies.
Explore Here.
Installment Loans.
Installment loans are ideal when you need money with more repayment time. Typically, these loans range between $500 up to $35000 or more with repayment terms of 6 months to 5 years.
Explore Here.
e-Transfer® Loans.
When you need money immediately, the fastest e-transfer payday loans could help you. You will have your funds within 5 minutes via Interac e-Transfer® after your payday loan is approved.
Explore Now.
Weekend Loans.
Unlike banks and credit unions, you could apply for online payday loans deposited on weekends, even holidays. The money will be deposited in your bank account within a few minutes if approved.
Explore Now.
![A-fast-and-flexible-Short-Term-Loan](images/A-fast-and-flexible-Short-Term-Loan.webp)
A fast and flexible Short Term Loan, ready to help you anytime.
Funds are available on demand.
Draw the money you need with just a few clicks.
Only pay for what you borrow.
No application fees, prepayments, or unwanted surprises.
Quick credit decisions within minutes.
Apply and find out in 2-3 minutes if you're approved.
Short-term loans for bad credit are considered.
We consider all, even if you have bad credit or not.
Explore Why Choose Us?![Streamlined-application-designed-to-save-your-time](images/Streamlined-application-designed-to-save-your-time.webp)
Streamlined application designed to save your time.
Safe and secure.
When you apply for a loan on Whizz, we assure you that your data is secure and only used to find a potential lender who will lend to you. Any data you share with us is SSL secured and encrypted to enhance safety. We never store or share data with third parties to earn money.
Everything is done online.
There is no need to schedule a meeting, talk to us on the phone, or fill in and indulge in substantial paperwork formalities. You only need to complete an online form with your details and submit it to get personalized or payday loan offers, and the rest we'll do.
Get a fast lender decision.
Most lenders in our panel make automatic decisions using modern AI technology, so you can quickly get loan approval. If approved, the funds could be in your account under 5 minutes* by e-Transfer®.
Explore How We Work?![Find-the-best-payday-loan-in-Canada](images/Find-the-best-payday-loan-in-Canada.webp)
Find the best payday loan in Canada for you with direct lenders.
Many direct lenders of Canadian payday loans are available online, and all offer instant funding when needed. What makes Whizz different is that we add a human touch and provide better control over the terms you need.
Rather than fully repaying on your next payday, we give you complete freedom to choose how long you want to borrow. This way, our loans are a better alternative to online payday loans.
Start Exploring2017
Founded
$68m+
Lent To Customers.
154k+
Successful Approved Loans.
100+
Applications Processed Daily!
![Highest-Approval-Rate](images/Highest-Approval-Rate.webp)
98.99%
Highest Approval Rate.
Frequently asked questions
More questions? We've got you covered
What is a payday loan?
A payday loan is an unsecured short-term loan ranging from $100 to $1,500 for 30 days or until the applicant's next paycheque. These loans are quickly approved and designed to provide instant funding for unexpected financial emergencies.
What do I need to apply for an online payday loan in Canada?
In order to apply for a payday loan online in Canada, you need to meet with the following eligibility criteria:
- 18 years of age or older.
- An active Canadian bank account.
- Income from employment or benefits.
- Access to online banking or Interac e-Transfer®.
Do you accept EI benefits as an income?
Yes, many payday lenders accept income from Employment Insurance as a valid source of income to approve EI payday loans in Canada.
Can a pensioner get a loan in Canada?
Yes, a pensioner in Canada can get a payday loan or personal loan. At Whizz, we offer payday loans for pensioners in Canada and accept income from Canada Pension Plan (CPP) and Old Age Security (OAS) to approve a loan.
What payday loan services does Whizz offer?
Generally, Whizz provides online payday loans in Canada. Our payday loans are ideal for sorting short-term cash problems and unsuitable for long-term financial commitments. E-Transfer Payday Loans, No Refusal Payday Loans Canada, Weekend Payday Loans Canada, CPP Payday Loans Canada, Child Tax Benefit Loans Canada, and ODSP Payday Loans Online are some of our popular and demanding payday loan services.
How to apply for Whizz payday loan?
Here's how you can apply for Canadian payday loans online from Whizz by completing three simple and easy steps:
1. Apply Online: Whether in your office or the comfort of your home, apply online from anywhere and anytime through our secure application form.
2. Get Instant Decision: Once you've applied for a loan- you'll hear back with an instant decision from us in no time.
3. Get Money: If your loan is approved and you accept the loan offer, the money will be directly deposited into your account within 5 minutes* by Electronic Funds Transfer (EFT) or Interac e-Transfer®.
How much can I borrow?
Usually, payday loans range from $100 to $1,500. The loan amount depends upon your lender and your ability to repay. It is always wise to check your affordability before applying for a loan because, in the end, you need to repay your payday loan with interest rates.
How quickly can I get the money?
Whizz always strive to help their customers during their financial odd time. That is why we offer the fastest e-transfer payday loans in Canada, allowing us to cash disbursed into your account within 5 minutes after your loan is approved. Our whole application process is 100% online; anybody completes it from their smartphone, tablet, or laptop.
How can Whizz's payday loan help me?
We are all hit by a shortage of cash here or there at one point or another. At this point, Whizz payday loans come to the rescue. Our emergency payday loans are designed to assemble your out-of-control finances. We always believe in responsible lending, so we lend you an amount you can repay comfortably without damaging your finances.
Can I get a Whizz payday loan with bad credit?
Yes- you don't need a good credit score to get a payday loan in Canada. Usually, payday lenders want to see your employment status, income, and ability to repay rather than your previous credit rating. It means having poor or no credit couldn't stop you from getting payday loans with bad credit.
Can I get a payday loan with no credit?
Yes, you can get a payday loan with no credit check. Typically, payday lenders skip the traditional credit checks while assessing a payday loan. But keep in mind that you must earn a stable income and also can repay the loan on time. Plus, no credit check loans are offered at higher interest rates, so make a better repayment plan.
Do I need to be employed?
No, finding loans for unemployed people in Canada might be difficult, but not impossible for us. We accept various alternative sources of income to approve a payday loan. Some are included as Employment Insurance Benefits (EI), Canada Child Tax Benefits (CCTB), Canada Pension Plan (CPP), Assured Income for the Severely Handicapped (AISH), Ontario Disability Support Program (ODSP), and various other disability benefits income.
Is a bank account required to get an online payday loan from Whizz?
To take an online payday loan with Whizz, you must have an active and valid bank account with a Canadian bank or credit union with an active Electronic Funds Transfer (EFT) facility. We also offer faxless payday loans with email money transfer (e-Transfer®) by which you can get money in under 5 minutes* after loan approval.
How to get a guaranteed payday loan at Whizz?
In reality, Canada has nothing like "guaranteed" or "no refusal" payday loans. No reputable lender can offer a 100% approval loan. There are some eligibility criteria and affordability checks that every lender has to follow before providing a loan.
While there's no such thing as guaranteed payday loans in Canada, Whizz works with some trusted and specialist Canadian direct lenders who are willing to help people who are struggling to find a loan. Due to our extensive panel of lenders, we offer the highest acceptance payday loans with almost a 98.99% approval rate. So, your chances of being accepted for a loan are high, but we don't offer guaranteed approval.
Ready to get started?
Apply online, get instant decision, and if approved, access up to $1,500 or more.