Get Emergency Cash Fast in Ontario

Need emergency cash today?Facing unexpected expenses? Get emergency cash fast with no credit check and no paperwork in Ontario. Apply online in minutes and access $500 to $1,500 the same day, even with bad credit. Handle your financial emergencies quickly and with confidence.

Need emergency cash today?

Facing unexpected expenses? Get emergency cash fast with no credit check and no paperwork in Ontario. Apply online in minutes and access $500 to $1,500 the same day, even with bad credit. Handle your financial emergencies quickly and with confidence.

Get $500 to $1,500 in Ontario
No credit check
Apply in just 2 minutes
Approval in one hour*
Same-day deposit*

*Via Interac transfer, if your application is complete and approved before 2:30 p.m.
Click here for more details.

How to get emergency cash fast in Ontario

Why choose Alterfina's fast credit?

How it works

Alterfina offers many advantages compared to other lenders because we are committed to providing the best emergency credit in Ontario : check No credit check: your application won’t impact your credit score. check Fast approval: get a decision in less than an hour and receive your funds the same day. check Simple process: 100% online, no paperwork or complicated forms. check All credit profiles welcome: bad credit accepted. check Flexible repayment: adjust your payments to fit your needs and schedule. check Transparent fees: no hidden costs, what you see on the calculator is what you really pay. check Trusted across Canada: thousands of clients rely on us for their urgent financial needs.

Questions? Consult the FAQ

Calculate your payments

1 / Desired credit amount*

2 / Payment frequency

3 / Payment amounts

167 $ by paycheck for about 182 days

*Indicative amount. Refer to the legal notices page

Calculate your payments

1 / Desired credit amount*

2 / Payment frequency

3 / Payment amounts

167 $ by paycheck for about 182 days

*Indicative amount. Refer to the

legal notices page

Quick and paperless financing

From $500 to $1,500 anytime

Find out all about our emergency credit

Here are our eligibility requirements: – Must be 18 years or older. – Must be a resident of Ontario. – Must have been employed for at least three months and/or receive an eligible source of income. – Income must be deposited through direct deposit into a Canadian bank account. – Must not be involved in bankruptcy proceedings. – Must have a minimum gross monthly income of $1,500

– Salaried income – Various pensions – Self-employed income - ODSP – Ontario Disability Support Program - OAS – Old Age Security - GIS – Guaranteed Income Supplement - CPP – Canada Pension Plan - EI – Employment Insurance - WSIB – Workplace Safety and Insurance Board

Of course! At Alterfina, you can apply for quick funds without a credit check, even with bad credit. Unlike traditional banks, we don’t perform credit checks and never decline applications due to a low credit score. Bad credit is typically defined as a score below 600, but we use other eligibility criteria. With our 100% online process, no documents are required, and your application will be processed within 24 hours. Trust Alterfina for a fast and simple solution!

IBV stands for “Instant Bank Verification.” It’s a technology that, with your permission, allows secure, read-only access to certain information from your bank account (such as deposits and income history). It all happens online, in just a few clicks and without having to send in documents. During verification, you’ll log into your bank account just as you normally would (username, password, security questions if needed). We never have access to your login or password. The process is quick and secure.

IBV is a fast and reliable tool that allows us to automatically assess your eligibility, without requesting documents like bank statements or paystubs. It’s a simpler, faster method and widely used in the financial industry. This technology allows us to process your application in just a few hours while maintaining a high level of security and data protection.

Yes, IBV is the most secure technology available on the market. It is considered as safe as the systems used by major Canadian financial institutions. We never have access to your username or password. We partner with Flinks, a leading provider of instant bank verification services.

None. The bank verification is automatic and secure via our partner Flinks. All you need to do is log in to your bank account where your pay is deposited, using our secure platform, just like you normally would (with your username, password, and security questions if required).

If verification fails, our team will contact you to help guide you through a second attempt or suggest an alternative. Make sure your banking credentials are correct, that you’re logging into the account where your pay is deposited, and that you’re able to answer your security questions. Need help? Call us at 1 888 350-7738 — we’ll be happy to assist you.

No. The IBV does not affect your credit score. It is not a traditional credit check but rather a read-only, temporary access to your banking data, like deposits and income. This process is not visible to credit bureaus and has no impact on your credit report.

No. The IBV is mandatory to complete a credit application with Alterfina. This process allows us to evaluate your eligibility quickly and efficiently, without unnecessary paperwork.

We apply a fixed annual rate of 18.99%.

Alterfina’s membership gives you access to financial tools, exclusive discounts on products and services, and access to fast credit. The membership costs $3.46 per day (plus applicable taxes). You can choose to pay via automatic withdrawal from your bank account or directly through your fast credit, easily and securely.

You can check your balance, upcoming payments, and much more in your Client Access. To log in, visit our website and click the Client Access link at the top of the page. Once logged in, you’ll be able to: View your balance and payment schedule Manage your account settings Activate your exclusive benefits Access and redeem your discounts on exclusive products and services Make sure you have your login credentials for secure and quick access to all these features.

You can request a payment deferral at least 48 business hours before your scheduled payment date. In the case of non-sufficient funds (NSF), fees will apply. Our company complies with Canadian legal standards. If a particular situation arises during your use of the fast credit, our customer service department is available to assist you with deferral requests or any other inquiries. Note: The repayment amount cannot be less than 5% of the closing balance from the previous month.

The payment amount is based on your approved credit limit and payment frequency. You can request a justified change by contacting customer service.

Emergency credits offered by Alterfina are designed to be repaid over a period of 3 to 6 months. Our product is intended for short-term use, with full repayment expected within a few weeks. For example: An emergency credit of $750, with payments of $127 every two weeks, will be fully repaid in 10 installments. You can also make early or extra payments at any time without fees, to reduce your costs and pay off your balance faster. Be responsible and borrow wisely. Only request the amount you truly need.

Yes! Our emergency credits offer flexible repayment terms, according to the client agreement, and can be repaid before the usual 3 to 6-month term. You can choose to pay off the full amount or make partial payments at any time without any fees, helping you reduce your costs and pay off your credit faster.

Great when you need help and great customer service, thank you.

- Caroline

Thank you for your trust! I appreciate the team who offered great service, thanks!

- Guy

I thank you for your agents who called me at home to confirm. The staff is kind and polite. Thanks for your quick answer! The delay for my deposit was quick.

- Sandie

I liked being listened to and the professionalism. I felt respected. Thank you very much.

- Guylaine

Trusted by thousands across Canada

We are proud to have received over 2,000 customer reviews with a rating of over 4.6/5 (as of Winter 2025). Their testimonials are proof of our commitment to providing a reliable and human-centered service.

Whatever your financial situation, we’re here to help you find the best solution.

Looking for an alternative to payday loans? At Alterfina, we know that traditional payday loans can be expensive and stressful. That’s why we offer a better solution. Get up to $1,500 without a credit check.

Find out more about our payday loan alternative

Having trouble getting a loan because of bad credit? At Alterfina, we understand that past incidents can complicate access to financing. Unlike banks, we analyze your file without taking your credit history into account.

Find out how we can help you, even with bad credit.

Looking for an alternative to installment loans? At Alterfina, we understand that traditional installment loans can be rigid and hard to manage. That’s why we offer a more flexible solution. Get up to $1,500 with no credit check, and repay on your own terms.

Find out more about our installment loan alternative

Find out more about our payday loan alternative

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Need emergency cash today?

Facing unexpected expenses? Get emergency cash fast with no credit check and no paperwork in Ontario. Apply online in minutes and access $500 to $1,500 the same day, even with bad credit. Handle your financial emergencies quickly and with confidence.

Get $500 to $1,500 in Ontario
No credit check
Apply in just 2 minutes
Approval in one hour*
Same-day deposit*

*Via Interac transfer, if your application is complete and approved before 2:30 p.m.
Click here for more details.