bad credit score

Bad Credit Loans in Canada

Don’t let bad credit get you down. If you are unable to secure money from a bank because of poor credit, turn to Get My Pay Today for assistance. As an alternative lender, we offer bad credit loans in Canada to those who need a bit of extra cash to meet their financial obligations - whatever they may be. Even if you have gone through bankruptcy, are struggling with credit card debt, or are struggling to pay your bills, we can help. Apply online, get approved in minutes, and start benefiting from the peace of mind that comes from financial stability.

What are bad credit loans in Canada?

A bad credit loan is a short-term loan that does not require a credit check. 

Get My Pay Today is a no credit check loans service anywhere in Canada. Bad credit loans are offered to individuals with a credit score below 574 who are unable to get approved by banks or other traditional lenders. Traditional financial institutions deem individuals with a low credit score too risky to lend to. 

They are similar to a payday loan (another type of personal loan). The main difference is that bad credit loans are paid back in installments every month. 

Why get a bad credit loan?

Bad credit loans are commonly used for: 

  • Bill Payments 
  • Home repairs 
  • Auto repairs 
  • Financial or medical emergencies 

It is important to keep in mind that bad credit loans come with a higher interest rate than a traditional loan, and that they require a monthly payment to pay back the balance. But they can be a vital financial resource if you need some help to pay your bills before the next paycheck. Also, if you pay off your loan on time each month, your credit score will improve. 

Apply and get approved for bad credit loans in Canada with Get My Pay Today.

Why work with Get My Pay Today?

Our brokers can help you access a loan, no matter your credit profile.  How? It’s simple: Get My Pay Today is not a bank, we are a leader in private lending in Canada. While banks and other traditional lenders put a lot of emphasis on your credit score, we look at more recent facts about your financial life, like your monthly income. We believe that just because your credit score is low does not mean you should be blocked from accessing loans.  It’s one of the ways we’re making it as easy and fast as possible to apply and get approved for bad credit loans in Canada. 

Apply online today and benefit from: 

  • fast approval time 
  • no credit reports needed 
  • cash in 24 hours 

What are the requirements for a bad credit loans in Canada?

To be eligible for a bad credit loan from Get My Pay Today, all you need is: 

  • Proof that you are a Canadian citizen or a permanent resident of Canada 
  • A bank account with a Canadian bank 
  • Proof of monthly income

Contact Get My Pay Today to get your bad credit loans

The online service provided by Get My Pay Today seeks to make the process convenient and as fast as possible. With 17 years of experience, we ensure that you’ll be in the hands of experienced brokers who understand how stressful your circumstances can be. 

If you need any type of personal loans with a bad credit in Canada  you can apply online today. For any questions regarding our payday loans in Canada, contact us and get your bad credit loans in Canada quickly. 

Need a loan for any project ?

What Get My Pay Today can do for you

Immediate relief

Your need can't wait and you absolutely must get help? File your request and get your cash within an hour after signing the contract. If you would like to receive your loan faster, come and meet us directly at our offices. Our bad credit personal loan brokers have been in the business for 17 years, they will give you your money in 30 minutes, speed is one of the most important values of Get My Pay Today, rest assured.

Adapting to your needs

You can choose the amount you wish to borrow. By offering you loans from $300 to $3000, you benefit from the highest short-term credit limits in our industry.

Transparency and honesty

You won't have any hidden fees, our 3-step loan process is fast, confidential and secure. Our brokers will give you all the information you need and will always be available to answer your questions.

How to apply for a Bad credit loans in Canada

Submit informations

Fill in your information

Fill out the application form online. The form will ask some personal financial questions (like your monthly salary, and documents verifying that you have a bank account in Canada). You will also have the option to request a specific amount, up to $3,000.

Receive Approval

Receive an answer quickly

Our brokers will review your application and get back to you within 24 hours. You will generally be contacted within an hour of sending your files. If you prefer to talk directly to someone, contact our brokers today, and they will process an application for you. Our brokers are always at your service. 

Get your money

Get your cash

As soon as your application is approved by our brokers, the money will be sent directly to your bank account. Apply for a loan now and receive your money within 24 hours! 


The bad credit loan is a temporary financial solution. It allows you to have some breathing room without having to pass through a thorough credit score check. 

Your request will be answered within one hour after submitting your application. If your request is made before 10:00 a.m. to 6:00 p.m., our agents will contact you on the same day.

You can check your credit score for free once a year by visiting Equifax Canada or TransUnion  and requesting your free credit report. You will receive your report by mail. 

If you have a credit score between 300 and 575 then you have bad credit. While there are many things you can do to improve your credit, if you need a loan to help meet your financial obligations in the short term then you will need to work with an alternative lender because banks will not offer you credit. 

The credit score is a number between 300 and 900 that indicates the creditworthiness of a consumer. The higher the score, the easier it is to borrow money or get approved for a loan. 

When you apply for a loan with a bank, the lending institution will almost always conduct a credit investigation with an institution such as Equifax. It will be used to determine how risky it is for them to lend you money.

There is no single credit scoring model used by all the credit agencies and banks in Canada. Instead, several factors affect your creditworthiness, including: 


    • Payment history. Are you ever late on your bills? If you miss a payment, it will have a negative impact on your creditworthiness, but regular on-time payments will improve it. 
    • Amount owed. If you have maxed out your existing credit (including credit cards or a line of credit) then banks are less likely to want to give you another loan. In short, the less you owe the better. 
  • Type of credit. How many types of credit accounts do you have? It’s advisable to have a mix in type of credit, from credit cards to retail accounts to a mortgage. 
  • New loans. The number and amount you have received in new loans over the past six months to a year. 
  • Length of credit history. The longer you have taken credit, the more information banks and credit agencies have about your payment patterns. 


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