Our Promise to you

Receive your money in less than 1 hour

Cancel after 10 days if this loan is not right for you

Flexible 12 week Repayment Schedule

Our process will never affect your credit score

Money is E-Transferred directly into your account

Confidentiality and dedication

Receive instant funds on your renewal loan

Benefit from our competitively low 24.99% APR, the minimum allowed by law*

Now open 24/7 to serve you better

How much would you like to borrow?


How many repayments?

Where do you live?

Get my loan
375,000 + Clients

Since 2012

93 %

Approval rate on new loans

9 out of 10

Customers would recommend us


Reloan approval rate


Apply Online

Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.


Instant Loan Decision

Our fully automated online loan application will give you an instant decision. Once approved, all you have to do is electronically sign your contract. It’s that easy!


Get funds

Once your contract is signed and submitted, your cash advance will be sent by e-Transfer within 2 minutes. Fast, convenient and hassle-free. Funds are sent 24/7, no matter what.

Get a fast, easy, and safe loan online.

No Wait

Complete our secure online loan application in minutes. No documents are required. Be instantly approved and receive cash by e-transfer within 2 minutes after signing your contract. We’re even open on weekends and holidays!

No Paperwork

Apply from the comfort of your home - no more faxing documents or waiting in line. Our online loans are flexible, convenient and completely paperless.

Grace Period

Your first payment will only be due 1 week after you receive your loan

No Credit Score Refused

Having poor credit shouldn’t hold you back from borrowing the money you need. At EMONEY LOAN, we look at your loan application from a broad perspective and focus on the present, not on your credit history. Our bad credit loans allow you to borrow up to $1,500.

100% Compliant

As a licensed provider of Canadian loans, we are fully compliant with provincial laws and regulations, and our transparent lending process means no hidden fees or surprises.

Automatic Pre-approval on qualifying renewals

Our renewal process is quick and easy ! Get pre-approved and get your renewal loan instantly

Our team is growing

EMONEY LOANS has dedicated teams across the Country

* Toronto, Ontario * Montreal, Quebec * Vancouver, British Columbia * Calgary, Alberta * Edmonton, Alberta * Ottawa–Gatineau, Ontario / Quebec * Winnipeg, Manitoba * Fort Mcmurray, Alberta * Kitchener, Ontario * London, Ontario * Victoria, British Columbia * Halifax, Nova Scotia * Oshawa, Ontario * Windsor, Ontario * Saskatoon, Saskatchewan * St. Catharines  Niagara Falls, Ontario * Regina, Saskatchewan * St. John's, Newfoundland and Labrador * Kelowna, British Columbia * Barrie, Ontario *

Patented Technology

We offer patented technology to make your experience safe, quick and easy

Our IBV technology is used in fields ranging from aeronautics to Pet shops

Receiving money has never been quicker .

EMONEY never runs a credit check with Equifax or trans-union. Our verification can never affect your credit

Welcome to eMoney Loans – your go-to destination for seamless online borrowing experiences in Canada. We understand that financial urgencies can strike at any time, and our mission is to provide instant solutions. With our user-friendly platform, you can borrow money online instantly, ensuring a hassle-free experience.

Whether you're facing a sudden expense or dealing with bad credit, our no-refusal payday loans in Ontario and instant e-transfer loans across Canada offer a lifeline. Our application process is straightforward, and approval is swift, making it ideal for emergencies. We specialize in bad credit loans, providing quick online solutions without the need for a credit check.

eMoney Loans serves as a trusted direct lender for fast loans online, ensuring your financial needs are met without unnecessary delays. Our paperless payday loans in Canada are designed for convenience, offering fast approval and same-day cash disbursement.

Apply for your online payday loan with no credit check, and experience the ease of getting approved instantly. We cater to various regions, including Toronto, Calgary, Alberta, British Columbia, Halifax, NS, and more. Choose eMoney Loans for your borrowing needs, where we make getting quick cash hassle-free and efficient. Your financial well-being is our priority, and we're here to assist you in every step of the way.


What does the customer have to say?

"Thank you EMONEY for the quick loan. I can now bring my pup to the vet to get the proper treatment he deserves!"

Antoine Martin

Senior Manager

"As a repeat customer, I truly value the personalized service that EMONEY provides me with. They are with me every step of the way!"

David William

Research & Marketing

"Emergencies can happen at any time. I applied for a $1,000 loan at 7:00 and by the time I got to work, the money was already in my account"

Francine Davis