NotchUp

On-Demand Wage Advance

Get Your Hard-Earned Cash, Fast!

Need access to your wages right away? No problem! Simply verify your earnings by connecting your payroll account and get an advance for just $5 per advance. Prefer to skip the verification? No worries! You can still get an advance with a variable fee.
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Access larger amounts and access to cash giveaways with each on-time repayment. It’s quick, easy, and puts your money in your hands when you need it most!

Basic features

Make any day payday

No Credit Check

Money in 15 Minutes

24/7/365 Availability

Eligible for Cash Giveaways

Apply Now & NotchUp

Plus features

Also includes the base features

Flexible Repayment Date

Repay in up to four installments

Credit Building

Expert Financial Advice

Increased Chances for Cash Giveaways

Explore NotchUp Plus

HOW NOTCHUP WORKS

We are on a mission to empower Canadians towards better financial health.

NotchUp was created to empower Canadians to access a portion of their income the moment it's earned, without waiting for payday. With the NotchUp app, you can tap into your hard-earned wages any time. Say goodbye to waiting for payday, overdrafts, and late fees. Now, you have the freedom to use your money to pay for what you need, when you need it. Your financial freedom is just a tap away!

Join NotchUp

Answer a few quick questions to see if you're eligible. Link your payroll account for bigger advances at minimal fees, or climb our credit ladder with each timely repayment. It’s simple, rewarding, and tailored just for you!

Funds within 15 minutes

Request a wage advance and receive funds via e-transfer in as little as 15 minutes – quick, easy, and hassle-free. Get your money when you need it most!

NotchUp the credit ladder

Even without connecting your payroll account, each timely repayment with NotchUp moves you up the credit ladder. Enjoy lower fees and larger advances, reaching our top tier for the biggest advances at the lowest cost.

Adjust repayment, hassle-free

We understand life’s unpredictability. If you need to adjust your repayment date or require smaller installments due to unforeseen challenges, we’re here to help with flexible options and a Relief Plan for your peace of mind.

Notchup Plus

Upgrade Your Financial Journey with NotchUp Plus!

Say hello to NotchUp Plus and unlock exclusive benefits. Take control of your finances and get more from every advance for just $11.99/month.

Premium Benefits

Split your repayment into up to four easy installments

Increased flexibility with repayments

Access expert financial advice anytime

Opt-in to report payments and build your credit

Earn 10x more entries for cash giveaways

‍Exclusive Rewards

Chance to win $500 each month with the Credit Ladder rewards program

Affordable Membership

Join today and experience the difference for just $11.99 a month!

Learn more

Do you accept people with bad credit?

How long does it take to complete the application?

What types of income are accepted?

General operating hours and holidays

What is the Credit Ladder?

Question of the day

Discover, Engage, and Win with Daily Money-Related Questions!

Get ready for a fun and engaging way to explore money topics with NotchUp's Question of the Day! Every day, you'll be greeted with a brand-new money-related question. These questions cover a wide range of topics, from the fun and quirky to the serious and thought-provoking. See how your responses stack up against the answers of others in your community – people who are just like you!

How to Participate

1. Daily Questions

Receive a new money-related question every day, tackling everything from the curious to the crucial.

2. Community Insights

We’ll break down the answers based on your similarities with others– including occupation, age group, and location.

3. Rewards

Answer every question for the week, one each day, to maintain your streak and unlock 10 giveaway entries.

DELIGHT - EVERYDAY IS PAYDAY

Don't take our word for it. See what members are saying about us.

"As a single parent, budgeting can be a tightrope walk. NotchUp has been a lifesaver! The ability to access my earned wages on-demand means I can cover unexpected expenses for my kids without stress. The platform is so user-friendly and automated – it's like having a financial safety net that's there whenever I need it. Getting the money quickly, often within minutes, has made all the difference."

Sarah

Victoria, BC

"Running a small freelance business means my income can be unpredictable. NotchUp has been a game-changer for me. Accessing my wages on-demand has smoothed out the bumps in my cash flow. The platform is incredibly simple and intuitive, and the fact that I can get the money so quickly has saved me from several cash crunches."

Emily

Nanaimo, BC

"I used to dread those days before payday when I'd run short of cash. But since joining NotchUp, that stress is gone. The on-demand wage advances have given me control over my finances like never before. The simplicity of the platform amazed me – a few clicks and the money's in my account. Plus, the speed at which I can access funds has helped me avoid late fees on bills more than once."

Alex

Vancouver, BC

"I was skeptical about wage advance services, but NotchUp proved me wrong. It's not just the convenience of accessing wages on-demand but also how easy and fast the entire process is. The platform is straightforward, and the speed of fund transfer is impressive. It's helped me manage unexpected expenses without the anxiety of waiting for payday."

Kevin

Victoria, BC

"NotchUp has completely changed my view on short-term lending. I always stayed away from payday loans due to their high costs. With NotchUp, I get to access my wages whenever I need, without the hefty fees. The platform's automation makes the process seamless and quick. It's reassuring to know I can get money fast in emergencies."

Jordan

Kamloops, BC

"In Duncan, NotchUp has been a lifesaver, especially since I opted out of income verification. The ease of accessing wages on-demand and the user-friendly platform have been game-changers. With each timely repayment, I'm climbing the credit ladder, enjoying lower fees and larger advances. The speed of getting funds, often within minutes, has been a huge help for unexpected expenses."

Olivia

Duncan, BC

Connect Your Payroll or Climb the Credit Ladder for Lower Fees

With NotchUp, you have two easy ways to enjoy lower fees on your advances:
‍Connect Your Payroll: Link your payroll account and automatically qualify for reduced fees, making your financial management even more affordable.
‍Climb the Credit Ladder: Participate in our Credit Ladder program, move up through the tiers, and unlock even more savings. The higher you climb, the lower your fees will be.

Start notching up today and take control of your financial journey with NotchUp!