We don’t take “no” for an answer…

The #1 Payday Loan Alternative in Canada 🍁

Discover financial freedom with NoRefusal.ca, where immediate loan comparisons meet no credit check convenience.

3 Easy Steps

Apply Online

Complete our short and secure online form by clicking on one of the “Apply now!” buttons on this page.

Compare Offers

Our algorithm will compare all the different offers that you prequalify for using the information that you provided.

Get Funded!

You will be redirected to one of our lending partners that will be taking care of your borrowing needs.

Over 67 482 Satisfied Customers…

Why Us?

Fast, Free & Easy

At NoRefusal.ca, we empower you with quick, easy, and transparent loan comparisons, ensuring you find financial solutions without the stress of credit checks. Our commitment to a hassle-free process and dedication to privacy means you can secure the funds you need with confidence and convenience.

Better Than Payday Loans…

Example 1: 1,000$ Payday Loan

  • Interest Rate and Fees: Payday loans often have high fees that can equate to APRs (Annual Percentage Rates) of nearly 400%. For a 1,000$ payday loan, you might pay a fee of 150$-300$ for just two weeks.
  • Repayment Term: The loan is typically due on your next payday, which is usually in two weeks.
  • Total Repayment Amount: Assuming a fee of 200$ for two weeks, you would owe 1,200$ in total by your next payday.
  • Impact on Financial Health: If you can’t repay the full amount by the due date, you might have to roll over the loan (i.e., take out a new loan with new fees to pay off the existing one), potentially leading to a cycle of debt.

Example 2: 1,000$ Installment Loan

  • Interest Rate and Fees: Installment loans have lower APRs compared to payday loans. For a 1,000$ loan, let’s assume an APR of 36% (which is high for installment loans but much lower than payday loans) over 12 months.
  • Repayment Term: The loan is paid back in monthly installments over a year.
  • Monthly Payment: The monthly payment would be approximately 91$ (this includes principal and interest).
  • Total Repayment Amount: Over 12 months, you would pay about 1,092$ in total. This includes the principal of 1,000$ plus 92$ in interest over the year.
  • Impact on Financial Health: The lower, monthly payments are more manageable within a budget, reducing the risk of default. Additionally, timely payments can help build a positive credit history.


What is NoRefusal.ca?
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