You need $100. Maybe it’s groceries, maybe it’s a bill that can’t wait until Friday. Either way, you need it now and you don’t want a credit check getting in the way. Here’s how to get a $100 advance in Canada fast, what it actually costs through each option, and the smartest way to go about it.
Quick Answer: NotchUp is the cheapest way to get $100 before payday in Canada — $5 flat fee, no credit check, same-day transfer.
Where to Get a $100 Loan in Canada With No Credit Check
1. NotchUp — $5 Flat, No Credit Check, Same Day
$5
Total cost to borrow $100
0%
Interest rate
2 min
Time to apply
NotchUp isn’t technically a loan — it’s earned wage access. You’re accessing money you’ve already earned at your job, just before your employer deposits it. There’s no interest because it’s not credit — it’s your own money, paid out early.
Getting $100 through NotchUp costs $5 flat (with payroll connected). You repay $105 on your next payday. No credit check, no application fee, no hidden charges. And through the NotchUp Credit Ladder, repeat users see their fees drop and their limits increase over time.
💜 Get $100 early — pay just $5 flat
NotchUp lets you access your earned wages before payday — for a flat $5 fee (with payroll connected). No credit score required. No interest. No surprises.
2. Bree — Up to $350, No Credit Check
Bree is a Canadian cash advance app that approves you for up to $350 based on your bank history. Getting $100 through Bree costs nothing extra if you go with standard 1–3 day delivery, or there’s a small express fee if you need it transferred instantly. No credit check. Repayment comes out on your next payday.
3. Payday Loans — A Last Resort (Not Recommended)
Traditional payday lenders will hand you $100 without a credit check. But the cost needs to be clear: Canadian provinces allow lenders to charge up to $14–$15 per $100 borrowed. That means a $100 payday loan costs $114–$115 to repay — an effective APR of 365% or higher. That adds up fast on repeat use.
NotchUp’s $5 flat fee is 65–70% cheaper than a payday lender on the same $100. The choice is pretty clear.
$100 Advance: Cost Comparison
Cost to Borrow $100 in Canada
| Option | Fee on $100 | Interest | Credit Check | Speed |
|---|---|---|---|---|
| NotchUp | $5 flat | 0% | ❌ | Same day |
| Bree | Free (slow) / small express | 0% | ❌ | 1–3 days / instant |
| Nyble | $11.99/mo subscription | 0% | ❌ | 1–3 days / instant |
| Payday Lender | Up to $15 (provincial max) | 365%+ APR equiv. | Sometimes | Same day |
How to Get $100 From NotchUp: Step by Step
- Apply free at apply.notchup.app — takes about 2 minutes
- Connect your payroll via Argyle (or set up direct deposit with NotchUp’s account details)
- Request your advance — NotchUp verifies your earned wages and approves your amount
- Get the money — transferred to your bank account, same day
- Repay automatically on your next payday — $100 + $5 fee
Can You Get $100 Instantly in Canada?
Yes. Both NotchUp (through Interac e-Transfer) and Bree (with their express delivery option) can get $100 to you within minutes. The standard free transfer takes 1–3 business days with most apps. If you need the money today, the instant option is worth the small extra cost.
What If I Have Bad Credit?
It doesn’t matter. NotchUp and Bree don’t run credit checks at all. They look at your bank account activity or payroll data — not your credit score. Whether your score is 500 or 750, you get the same access. If you’ve been turned down for loans before because of your credit, this is the way around that.
Bottom Line
For a $100 advance in Canada, NotchUp is the best option on price ($5 flat), speed (same day), and simplicity (2-minute application, no credit check). Payday loans can do the same thing but cost 2–3 times more for the exact same amount. There’s no reason to pay $15 when $5 gets you the same result.
Frequently Asked Questions
Can I get a $100 loan in Canada with no credit check?
Yes. NotchUp and Bree both provide $100 advances without a credit check. NotchUp charges $5 flat, Bree is free for standard delivery. Neither pulls your credit report.
How much does it cost to borrow $100 in Canada?
Via NotchUp: $5 flat. Via Bree: free (1–3 days) or a small express fee. Via traditional payday lender: up to $15 (the provincial maximum in most provinces).
Is a $100 payday loan a bad idea?
Payday loans are expensive. At $14–$15 per $100, a single $100 payday loan costs you $114–$115 to repay. NotchUp’s $5 fee on the same amount is dramatically cheaper. Unless it’s your only option, payday loans should be a last resort.
Can I get $100 instantly in Canada?
Yes. NotchUp and Bree both offer instant (same-day) transfers for a small fee, or 1–3 business day standard transfers at no extra charge.
