Considering a $500 loan?
A smaller loan may cover a specific shortfall, such as the unpaid portion of an auto repair. Work out exactly what is missing before choosing $500.
Explore the $500 loanSmall online loans, from $300 to $1,500.
Canadian residents can request $300 to $1,500, with weekly, every-two-weeks or monthly repayment options. After approval and signature, funds are sent by Interac e-Transfer, typically within about 60 minutes. Timing can vary.
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Kredit CanadaM
Good morning
Review your agreement
ApplicationExample
$0.00
Funds are sent by Interac e-Transfer after approval and signature
Typically about 60 minutes after signing
Example scheduleEvery 2 weeks
Jun 30$156.39
Jul 14$156.39
Jul 28$156.39
Open my application
Built for a clear decision
No traditional credit inquiry
Funding after approval and signature
Read-only bank verification
7 days a week
Your loan at a glance.
Choose an amount, understand the steps and review the cost before you commit.
60 min
Typical funding after approval and signature
$300 to $1,500
Loan amounts available
Review
Every application is assessed
7 days
A week the team is available
Small loans in Canada, explained
Kredit Canada lets Canadian residents apply online for a small, short-term loan of $300, $500, $1,000 or $1,500. There is no traditional credit inquiry: your income, banking information and ability to repay are reviewed before a decision. Before you sign, your agreement shows the interest, any fees, the payment dates and the total to repay.
Everything you need, nothing you don't.
An online application, a review of your financial information and a loan agreement to read before you sign.
Start with your eligibility
Check the application requirements before you begin. Eligibility and the amount offered depend on a review of your situation.
Example applicationApply
Application sent
Bank verification
In review$1,500.00
Verification is part of the review
The process reviews your current income and ability to repay without a traditional credit inquiry. Bank verification is still required, and approval depends on the review of your application.
Read-only connection
Website does not store passwords
Password never stored
Know how your information is used
Bank verification takes place through the lending platform using a read-only connection. The Kredit Canada website does not ask for or store your online banking username or password.
In review$1,500.00
Apply from your phone
Complete your application online. Have your identification and a recent pay stub ready for the review; additional information may be needed.
From application to funding.
Apply online, complete verification and review your agreement if approved. Funding comes after approval and signature, not after verification alone.
Hi. Welcome to Kredit Canada. How can we help today?
We can walk you through eligibility, documents and the agreement before you sign.
Yes please
Questions along the way?
Our team is here seven days a week. Ask about the application, required documents or your loan agreement through the contact page or at info@kreditcanada.ca.
$1,500.00
After approval and signing
Sent after you sign
Interac e-Transfer
·Estimated
Chequing account
Direct deposit
·Connected
See your agreement
Repayment
·Every 2 weeks
Paid by Interac e-Transfer
Once your application is approved and your agreement is signed, funds are sent by Interac e-Transfer, typically within about 60 minutes. This is an estimated funding time, not a guaranteed arrival time.
Repayment plan Example
Flexible
Weekly, bi-weekly or monthly
Pick the frequency that lines up with your pay cycle. Your agreement confirms the schedule.
Jun 30Per agreement
Jul 14Per agreement
Plan your repayments
Repayment frequencies include weekly, every two weeks and monthly. Check the schedule in your agreement, along with the payment amount, number of payments and total to repay.
Choose your amount and repayment frequency.
Use the amount selector to explore a loan between $300 and $1,500. Choose a repayment frequency alongside your pay cycle. Your selection is not an approval or a loan agreement.
$500
Min $300Max $1,500
Available amountsApply online
Application review required
Interac e-Transfer funding
Per paymentApply for this amount
$85.45/ 2 weeks
Your rhythm, over one monthEvery 2 weeks
Per payment: $85.45
Loan amount$500
Paid out byInterac e-Transfer
Interac e-Transfer typically about 60 minutes after approval and signature. Timing can vary.
The figure shown is an estimate per payment, not the total you would repay. The lender agreement specifies the interest rate, any fees, the number of payments, the term and the total cost of borrowing.
Find the amount that fits your expense
Subtract what you can already cover from the expense you need to pay. Borrow only the remaining amount if the repayments fit your budget.
Considering a $1,000 loan?
For a larger expense, look beyond the amount you receive. Plan for the full repayment schedule and total borrowing cost alongside rent, groceries and other bills.
Explore the $1,000 loanWhy they chose Kredit Canada.
“Fast and efficient. When my hours got cut they respected my ability to repay right to the end. Many thanks.”
“Excellent service and very fast. I felt safe from start to finish.” · Jacques, Québec
“Thank you for your trust. The whole team offers so much flexibility.” · Linda, Ontario
“Finally a company that understands money can get tight sometimes. Flexible payments and reasonable arrangements.” · Angelica, British Columbia
Interacnow
$1,500.00
e-Transfer received
Application reviewed
Frequently asked questions.
A few things to know before applying. For help with your situation, send us a message.
Yes. You can apply online for a loan of $300 to $1,500. Submitting a request does not create a loan agreement or guarantee approval. Your information and ability to repay are reviewed before a decision.
You must be a Canadian resident aged 18 or older, have an active Canadian bank account, receive steady income of more than $1,500 per month by direct deposit, and have at least six months at your current job. Have valid ID and a recent pay stub ready. The published requirements also include fewer than five NSF transactions in the last 30 days. Meeting the checklist does not guarantee approval.
The available range is $300 to $1,500, subject to review. Choose what you need and can afford to repay; requesting an amount does not mean it will be approved.
IBV is a bank-verification step used to review your financial information as part of the application. Instant describes the verification service, not a promise of immediate approval or funding. You may also need to provide documents, including identification and a recent pay stub.
Funds are sent by Interac e-Transfer, typically within about 60 minutes after approval and signing. Timing can vary. The estimate does not begin when you first open or submit the application.
No. The application process does not use a traditional credit inquiry. A low score does not automatically rule you out, but your current income, banking information and ability to repay are still reviewed before a decision.
Take the next step with a clear plan.
Know the amount you need and leave room in your budget for repayment. If the payments would leave you short for essentials, consider a payment arrangement or a lower-cost option before applying.
Apply now