Installment Loans with No Credit Check
Many lenders in our network deposit funds the same day you sign
Get an Installment Loan Faster & Easier
Urgent Money matches Canadians with lenders that offer installment loans: you borrow a set amount and pay it back in scheduled payments over 90 to 120 days, timed to your paydays. Most lenders in our network lend $300 to $3,000 at 22% to 32% APR (typical ranges, as examples; terms vary by lender). They lend everywhere in Canada except Alberta. The lenders in our network don't run credit checks.
Funds often the same day you sign
Repay over 90 to 120 days
No credit checks by lenders in our network
Rebuild your credit with a secured card
A loan isn't the only way forward. If your goal is a better credit history, our network partner Achilles Finance offers the Achilles Secured Mastercard®, issued by Zūm Rails.
- Your security deposit of $200 to $5,000 sets your credit limit.
- $12.99 a month plus tax, with no interest charged on that monthly fee.
- Zūm Rails reports your payments to Equifax. Paying on time helps rebuild your credit history, and late or missed payments can be reported too.
- Interest and fees on purchases are set out in the cardholder agreement you sign with Zūm Rails.
November is Financial Literacy Month. Learn how credit scores work in Canada and how a secured card can help you rebuild. Read the guide
Prefer a prepaid card?
The Achilles Prepaid Mastercard®, also from Achilles Finance and issued by Zūm Rails, is reloadable and works anywhere Mastercard is accepted. There is no credit line and no interest: you spend what you load. It costs $9.99 a month plus tax (for example $11.29 in Ontario, $11.49 in Quebec or $10.49 in Alberta). To see if you're eligible you answer one question, your province, and there is no credit check. It does not build or rebuild credit, because nothing is reported to the credit bureaus. Learn about the prepaid card
Both cards are issued by Zūm Rails. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Have Any Questions?
If you are new to installment loans we understand it can be a little intimidating at first. We are there to answer all your questions and guide you through the application process. Our friendly staff are always ready to help. Send us a message through our contact form. Or Click here to learn more.
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