Loan Example
A $500.00 loan is repaid into 6 instalments totalling an average of $660.00
*This is just an example. The payback amount or number of instalments can change based on your application criteria.
Start Your ApplicationNo paperwork. No credit check. No "we'll call you back tomorrow." Just $250–$1,500 by Interac e-Transfer, usually before your coffee gets cold.
From "I should probably apply" to "money's in my account" — usually faster than your delivery food shows up.
Two minutes, no paperwork. Bank verification happens automatically — nothing to scan or upload.
No black-box algorithms. Our team reviews every file and confirms by phone or email.
Sign your digital contract. Funds arrive by Interac e-Transfer in about five minutes — day or night, weekend or holiday.
No commitment · Won't affect your credit · Average wait right now: 34 min
Three real moments. Three real loans. The bi-weekly payment that actually shows up on your bank statement.
Real people, real loans, real reviews. We didn't pick the best ones — these are just the latest.
"I applied at 9pm on a Tuesday after my fridge died. Money was in my account before midnight. I'm a single mom with bad credit and four banks turned me down — these guys treated me like a human."
Was super skeptical because every other "fast loan" site I tried was a broker that just sold my info. ScoobyCash is the real deal. 28 minutes from start to e-Transfer.
Needed money fast for an unexpected medical bill, my credit isn't great because of past stuff. Got approved for $1,200 same day, no judgment. Will def use again if I need to.
Took about 50 mins not 30 like advertised but otherwise no complaints. Funds came through, payment plan was clear, no nasty surprises.
Used Scooby twice before for car stuff and now once for a daycare deposit. Renewal is even faster than the first time. Not a fan of needing loans but glad these guys exist.
The honest answers to what people actually want to know — money, credit, banking, the works.
Probably yes. We don't run a credit check — not even a soft one. We look at your last 90 days of bank activity to confirm you've got steady income, and that's it. About 9 in 10 people who complete the application get approved.
If banks have turned you down before, that has zero bearing on your decision with us. Past denials, low scores, no credit history — we never see any of it.
Short-term loans cost more than bank loans — we won't pretend otherwise. Our regulated rate is $15 per $100 borrowed every 14 days, set under the Canadian Payday Loans Act, 2008.
Your full payback amount and bi-weekly installment breakdown are shown clearly on your contract before you sign anything. There are no hidden fees, no setup charges, and no early repayment penalties. The number you see at signing is the number you pay.
No. We don't pull your credit report or run any kind of check — hard or soft. Applying with ScoobyCash has zero impact on your credit score. You can apply, get approved, even sign the contract — none of it shows up on your credit file. The loan itself is not reported to the credit bureaus.
IBV is how we verify your income without making you upload paystubs or bank statements. You log in directly to your bank's secure portal — we never see, store, or have access to your password.
In return, we get a one-time read-only copy of your last 90 days of statements, used only to confirm you have steady income. We can't move money. We can't change anything. We can't access your account again. The link expires automatically after 90 days.
It uses bank-grade 256-bit encryption — the same standard your bank uses for online banking. The technology is widely used across Canadian fintech, including tax filing and budgeting apps.
Tell us before the payment is due, not after. We can defer most installments by up to 14 days at no extra cost. We'd rather work with you than chase you.
A missed payment without notice does incur an NSF fee from your bank plus a late fee from us. We don't sell debts to collectors and we don't garnish wages. We're a Canadian-licensed lender, not a loan shark.
Most installments can be deferred by up to 14 days at no extra cost — just let us know before the payment is due. The first and last payments of your loan can't be deferred, and we can't defer two consecutive payments.
Honest answer: our model needs predictable income from steady employment to approve a loan responsibly. We can't lend to applicants whose primary income is government assistance (ODSP, EI), disability benefits, CPP, child tax, or private pensions.
We also can't lend to people who are self-employed, on student loans, currently filing for bankruptcy or about to enter a consumer proposal, or under 18. If that's you, we'd rather tell you upfront than waste your time.
First-time borrowers can be approved for $250 to $1,500. Your specific limit depends on your verified income — we won't lend you more than you can comfortably repay across your bi-weekly installments.
Returning customers in good standing often qualify for higher amounts on subsequent loans.
Yes. ScoobyCash is a direct lender (not a broker), provincially licensed in Ontario, BC, Alberta, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland and Labrador. We're regulated under the Canadian Payday Loans Act, 2008. Quebec residents are not currently eligible.
Two minutes to apply. Decision in twenty-five. Cash in your bank by Interac e-Transfer before bedtime. No paperwork, no credit pull, no catch.
ScoobyCash operates as a direct lender under the Canadian Payday Loans Act, 2008. The maximum permissible cost of borrowing is $15.00 per $100 advanced. Loans are subject to approval and individual provincial regulations. APR varies based on loan amount and repayment period. Late payments may result in NSF fees and additional charges as outlined in your loan agreement.
Licensed in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland and Labrador. Quebec residents are not currently eligible. Applicants must be Canadian residents 18 years of age or older with steady employment income deposited via direct deposit to a Canadian bank account active for at least 3 months.
