Bree Loans
Bree Loans provides Canadians with cash advances up to $500, designed to help prevent bank account overdraft fees. They offer a swift online application process without a credit check, featuring a 0% interest rate on advances, though a minor fee applies for instant funding.
Expert Review
Best For
Bree suits Canadians who have steady income but occasionally find themselves short before payday and need quick access to small amounts of cash.
Our Take
Bree occupies a specific niche in Canadian lending, offering small, no-credit-check cash advances to bridge short-term financial gaps. With advances up to $500 at 0% interest, it effectively competes with bank overdraft fees rather than traditional personal loans. While the 0% interest is a headline feature, users should be aware of optional express delivery fees and voluntary tips that constitute the real cost.
What We Like
- No-credit-check model based on banking history, removing barriers for those with past credit difficulties.
- Transparency around fees, avoiding complex interest calculations or hidden charges.
- Fast, app-based application process taking only minutes.
- Effective alternative to expensive bank overdraft fees.
Where to Improve
- The $500 maximum is limiting for anything beyond minor emergencies.
- Customer support response times have been noted as slow by some users.
- Could offer an option to report positive repayment history to credit bureaus to help borrowers build credit.
Verdict
Bree effectively provides quick access to small cash amounts without the punitive costs of traditional payday lending. It's a legitimate option for avoiding overdraft fees and covering short-term financial gaps, but users should be clear on the costs associated with express delivery before proceeding.
Brand Signals & Trust
Years in Business
6+
Geographic Reach
Canada-wide
Product Diversity
1 product
Customers Served
20,000+
Trust Badges
Quality Lender, Established Lender
Products Offered
Cash Advance
Amount Range
$20 - $500
Interest Rate
0% interest (optional fees for instant funding)
Term
Up to 90 days
Funding Speed
Instantly (with optional fee)
Eligibility
- Canadian resident
- At least 18 years old
- Minimum monthly income of $1,200
Google Reviews
334 Google reviews
Monday: Open 24 hours
Tuesday: Open 24 hours
Wednesday: Open 24 hours
+4 more days
Photos
Absolute sham of a company. Inquired about their services once. ONCE. And I've received a minimum of 3 calls a day since then, all from a robot and the two times I've tried to actually contact someone ive been hung up on while on hold. Ive called in to get them to remove my number via their automated service, i've emailed about the matter to no avail. Ive had actual scammers with more respect and decency.
They sell your phone number off to multiple "providers" I made an inquiry for small loan and debt consolidation and received over a dozen phones calls from 4 different "companies" over 2 days. They also have no option on the website to delete your account, you have to email and hope it happens, the heck kind of business practice is that.
After a hectic Christmas season, I was in dire need of a small amount of cash for a vehicle repair that could not wait until the end of the long month of January. I was able to obtain a short term loan quickly and seamlessly online, even though I have a poor credit score. I am a senior with only a pension income.
Loans Canada found the right loans place for me that was magical credits. I definitely recommend them, it was the middle of the night when I did my application and by morning I was signing my contract and having my money right after. Simply amazing
Great way to get quick help that you don’t have to feel like you’re being interrogated. Swift and fast and right in your bank account within minutes !
How Bree Loans Compares
Quick Eligibility Check
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