Apply in minutes and get your money fast. BorrowNow.ca helps Canadians borrow $50 to $1,000 online — any credit score considered, with funds sent straight to your bank by Interac e-Transfer.
Get Started — Borrow $50 to $1,000
30+ Canadian lenders in our network · 1,000+ customers served · income verified in seconds with secure Instant Bank Verification (IBV) — no effect on your credit score.
Why Borrow Money Online with BorrowNow.ca
We make it easy to borrow money online in Canada — $50 to $1,000, for all credit types.
- Any credit consideredPoor credit, no credit, or rebuilding — all welcome
- Fast e-Transfer fundingOften the same business day after approval
- 100% onlineApply from your phone or computer in minutes
- No hidden feesNo application fee; all costs disclosed upfront
- Flexible repaymentCustomized schedules with no prepayment penalty
- Competitive ratesTransparent rates from our direct lender network
Our Online Loan Services — $50 to $1,000
Borrow only what you need, with the option that fits your situation:
- Personal Loans Online$50–$1,000 · any credit · fast e-Transfer
- E-Transfer LoansSent directly to your Canadian bank account
- Online Loans CanadaApply in minutes, any credit welcome
How Borrowing Money Online Works
- Apply online in about 5 minutes — complete a short, secure application with your details and the amount you need ($50–$1,000).
- Verify your details with IBV — once pre-approved, connect your bank account through secure Instant Bank Verification. It’s read-only and won’t affect your credit score.
- Review your loan offer — see the full APR, total cost, and repayment schedule before you accept. No obligation.
- Get funded by e-Transfer — sign electronically and receive your money, often the same business day.
Apply Now — Any Credit Considered
Borrow by Amount
Know exactly how much you need? Jump straight to it:
Borrow Money Online Across Canada
BorrowNow.ca serves every province and territory. See how online lending works where you live on our Borrow Money Online by Province & Territory hub, or learn the full process in our guide to borrowing money online in Canada.
Understanding your loan: Every offer clearly shows the Annual Percentage Rate (APR) — the yearly cost of your credit, the finance charge — the dollar amount the credit costs you, the amount financed, and the total of payments. Online lending in Canada is capped at a federal criminal interest rate of 35% APR (since January 1, 2025). For your rights, visit the Financial Consumer Agency of Canada.