Get a free, no obligation personal loan quote with rates as low as 6.99%
Get Started You can apply with no effect to your credit score

Bree and Nyble are two online platforms that are designed to help keep consumers out of the red when it comes to bill payments and overdraft fees. If you’re short a few dollars and can’t wait until your next paycheque to come in to cover your bills, Bree and Nyble make great alternatives to expensive payday loans. 

Let’s look at Bree vs. Nyble to see how they compare.

Nyble vs. Bree Overview

$30 – $150$20 – $350
– 0% interest
– No late fees
– Monthly subscription fees (optional)
– 0% interest
– No late fees
– Monthly subscription fees (optional)
N/AUp to 65 days
– Be at least 18 years old
– Be a Canadian resident
– Have a positive bank balance
– Have a chequing account that takes direct deposits
– Have a valid phone number that can receive texts
– Connect your bank account via Flinks for bank verification
– Have an active chequing account that accepts direct deposits from your employer
– Have enough funds in your account
– Have at least 2 paycheques deposited on consistent dates
– Earn a steady income
All provinces and territoriesAll provinces and territories

Nyble vs. Bree: What Do They Offer?

Both Nyble and Bree offer small, interest-free loan options. Their services are very similar, though there are some slight differences to note:



Nyble is a great option when you need a few extra dollars to cover pressing bills or to avoid overdraft fees when you’re a bit short on funds. Nyble’s Cover feature includes a small line of credit that will provide you with access to up to $150. Qualifying for the credit line is easy and does not involve a credit check, so bad credit borrowers can apply as well.

You can pay back the funds when you can, and no interest is charged on the withdrawn amount. Once you’re approved, you’ll always have access to the credit line.

Nyble Features 

  • Credit amounts. Access between $30 to $150 to cover last-minute expenses or to avoid NSF charges.
  • No credit check. Nyble won’t check your credit score as part of the application process, making this a great option for those with bad credit or no credit history.  
  • No interest. Borrow up to your credit limit without interest charges. 
  • No late fees. Pay the money you borrow whenever you can without incurring late charges. 
  • Can help build credit. Your payments will be reported to a credit bureau, which can help you build your credit history. 
  • Fast funding. Get access to your funds within 3 days, or upgrade your membership for a monthly fee to take advantage of instant funding.
  • Availability. Nyble is available in all provinces and territories. 
  • Other financial products offered. You can use Nyble to check your credit score for free. Plus, Nyble rewards you when you practice good money habits. 


Bree offers small, interest-free cash advances to help you cover urgent bills or avoid overdraft fees when your bank account is a bit short. You can borrow up to $350 after completing a simple online application. There’s no credit check involved and no interest charged on the funds you borrow. 

Plus, you won’t be charged late fees. Just pay back the funds you borrow when you get paid. 

Bree Features

  • Credit amounts. Borrow from $20 to $350 to use for a variety of purposes, including covering your bills or avoiding NSF charges. 
  • No credit check. No credit check is involved in the application process. If you have bad credit or no credit history at all, you can still get approved.  
  • No interest. Withdraw up to your approved credit limit without interest charges.  
  • No late fees. Pay Bree back when you get paid and have enough money. 
  • Fast funding. Get your money within 2 days following approval, or upgrade for a small fee for instant access to cash.
  • Availability. Bree is available in all provinces and territories. 
  • Educational tools. Bree offers a budgeting tool and weekly newsletter to help consumers better manage their finances.

Do You Qualify For Nyble Or Bree?

Eligibility criteria for Nyble and Bree are very similar:

Qualifying With Nyble 

To qualify for a line of credit with Nyble, you must meet the following criteria:

  • Be at least 18 years old 
  • Be a Canadian resident 
  • Have a positive bank balance
  • Have a chequing account that takes direct deposits 
  • Have a valid phone number that can receive texts
  • Connect your bank account via Flinks for bank verification

Qualifying With Bree 

To qualify for a cash advance with Bree, you must meet the following criteria:

  • Have an active chequing account that accepts direct deposits from your employer
  • Have enough funds in your account (Nyble will review the last 2 months of transactions in your account to confirm your income)
  • Have at least 2 paycheques deposited on consistent dates
  • Earn a steady income

Are There Any Fees To Use Bree Or Nyble?

Both Nyble and Bree are free to use for the most part unless you choose to upgrade your service:

Nyble Fees 

  • Interest: 0%
  • Late fees: None
  • Prepayment penalties: None
  • Optional fees:
    • Express funding requires a monthly membership fee of $4.99, $7.99, or $11.99 (depending on membership type) 

Bree Fees

  • Interest: 0%
  • Late fees: None
  • Prepayment penalties: None
  • Monthly fee: $2.99 for subscription service 
  • Optional fees:
    • Tipping
    • Express funding requires an “Express Fee” 

How To Apply For A Loan With Nyble vs. Bree

Applying for a line of credit or cash advance with Nyble or Bree is quick and easy and can be done entirely online within a couple of minutes.

Applying With Nyble

To apply for a line of credit with Nyble, follow these steps:

Step 1. Create an account.

Choose “Money on Demand” to start accessing a line of credit. Enter your email address and choose a password to create an account.

Step 2. Provide your bank account information.

You’ll need to link your bank account with Nyble so it can be reviewed. 

Step 3. Wait for approval.

Once approved, you’ll have access to your specified credit limit.  

Step 4. Wait for your funds to be deposited.

Your approved funds will be deposited into your bank account within 30 minutes to 3 days, depending on the membership you choose (optional). 

Step 5. Choose your repayment dates.

Your repayments will be automatically withdrawn from your account on the repayment date you select.

Applying With Bree

To apply for a cash advance with Bree, follow these steps:

Step 1. Create an account.

Click the “Sign Up” button at the top right corner of the Bree homepage. Enter your full name, then choose an email and password. Then, click “Sign Up”. 

Step 2. Bree will verify your banking information.

Bree will want to ensure that your bank account is capable of accepting direct deposits and that there’s enough money for repayments.

Step 3. Choose your payment details 

You’ll need to confirm your payment date and delivery speed. Standard cash delivery dates are free. If you want instant access to cash, you’ll need to upgrade your services for a small fee. 

Step 4. Get your funds 

Once you submit your application, you’ll receive a response regarding your eligibility. If you’re approved, you’ll get your cash advance via e-Transfer.

What Do Consumers Say About Nyble vs. Bree?

Better Business Bureau (BBB)N/AN/A
Trustpilot4.8/5 stars4.6/5 stars
Google ReviewsN/AN/A

Final Thoughts

Bree and Nyble offer very similar services and features. If your goal is to get access to fast cash without having to resort to a payday loan, either option will work. Just be sure to have your finances in order before applying.

Nybe vs. Bree FAQs

Is Nyble safe? 

Nyble uses bank-level 256 bit encryption and maintains full PCI compliance, so your personal data is kept secure. The company employs a dedicated security team to ensure data privacy. Your information will not be shared with unaffiliated third parties.

Does a Nyble or Bree loan help build credit?

You can use Nyble to build good credit by making timely payments. Nyble will then report your payments to the credit bureau, which will be reflected on your credit report. Over time, your credit score will improve, as long as you’re responsible with all your other finances. Bree does not report payments to the credit bureaus, therefore a Bree advance will not help build your credit. 

How fast can I get money through Bree or Nyble?  

If you upgrade your membership plan, you can get your cash instantly with both Nyble and Bree. If you choose to go the free route, you can expect to receive your funds in up to 3 business days with Nyble, or up to 2 business days with Bree. 
Lisa Rennie avatar on Loans Canada
Lisa Rennie

Lisa has been working as a personal finance writer for more than a decade, creating unique content that helps to educate Canadian consumers in the realms of real estate, mortgages, investing and financial health. For years, she held her real estate license in Toronto, Ontario before giving it up to pursue writing within this realm and related niches. Lisa is very serious about smart money management and helping others do the same.

More From This Author

Special Offers

More From Our Experts
Porting A Mortgage | What Does It Mean?

By Bryan Daly
Published on June 11, 2024

Everything you need to know about porting your mortgage and when it's actually a good idea.
Deed In Lieu Of Foreclosure In Canada: An Alternative To Foreclosure

By Lisa Rennie

A deed in lieu of foreclosure is when you agree to voluntarily hand over the deed to your home to the lender instead of going through a foreclosure.
Pros And Cons Of Buying A House vs Buying A Condo

By Lisa Rennie

What are some of the disadvantages and advantages of buying a house or a condo?
What Is The Moi Program?

By Savanna Craig

Are you wondering if the Moi program is worth it? Find how much Moi points are worth and where you can earn them.
The Costs Of Owning A Home In Ontario

By Lisa Rennie

Wondering how much it costs to own a home? Let's look beyond mortgage closing costs and analyze exactly are the monthly costs of owning a house in Ont...
When Is The Best Time To Buy A House?

By Lisa Rennie

Learn how to determine whether or not it's a good time to purchase a house.
What Is A Power Of Sale For A Mortgage?

By Jessica Martel

A power of sale essentially allows the lender - not the homeowner - to sell the home if the borrower defaults on the mortgage.
Do You Qualify For Disability Assistance In BC?

By Matthew Taylor

The BC Disability Assistance Program provides monthly disability assistance payments to people with the Persons with Disabilities (PWD) Designation.

Recognized As One Of Canada's Top Growing Companies

Loans Canada, the country's original loan comparison platform, is proud to be recognized as one of Canada's fastest growing companies by The Globe and Mail!

Read More

Why choose Loans Canada?

Apply Once &
Get Multiple Offers
Save Time
And Money
Get Your Free
Credit Score
Expert Tips
And Advice

Build Credit For Just $10/Month

With KOHO's prepaid card you can build a better credit score for just $10/month.

Koho Prepaid Credit Card