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Bree is a registered company with a published privacy policy and an active social media presence. However, they are not CLA certified and their BBB rating could be stronger.
Bree: Overview
If you need an extra few bucks to carry you over until your next paycheque, or there's a pressing bill to pay and you're just a few dollars shy of covering it, Bree loans can help.
Bree is an online financial platform that provides interest-free cash advances through a line of credit of up to $750. Founded in 2021, their mission is to be a reliable and accessible financial partner that consumers can count on when they need financial assistance. Consumers can get access to the money they've earned before they get paid to avoid bank overdrafts and NSF fees when their bank accounts are a bit short on funds.
Should You Use Bree Loans?
Bree is perfect for anyone in need of a small loan to cover last-minute expenses without having to pay expensive interest charges or undergo a credit check. If you need a little financial top-up to your bank account before payday, consider applying for a cash advance from Bree.
Good Fit If
- Your credit score keeps getting you turned down: Bree doesn't run a credit check, not even a soft one, and looks at your bank account history instead to decide what you can borrow.
- You need a small top-up without paying for it: Advances cost no interest and have no mandatory fees, and standard delivery to your chequing account is free.
- Your income comes from benefits or your payday doesn't line up with your bills: Government benefits count as income, and you get up to 90 days to repay each advance with no late fees.
What Does Bree Offer?
Bree offers cash advances to help bridge the gap between paycheques or to cover upcoming expenses. With Bree, each cash advance is a draw on your line of credit of up to $750 with 0% interest. There's no credit check, no interest charged on what you borrow, and no late fees.
To take advantage of Bree loans, you can make a request through the Bree app or website. However, you'll first have to create an account with Bree. There is also an optional monthly subscription fee for Bree's budgeting tool.
- Borrow up to
- $750
- Interest
- 0%
- Fees
- OptionalFeesStandard delivery (1–3 business days) is free. Instant delivery, tips and the $2.99/month budgeting membership are all optional.
- Credit check
- None
Available inCanada wide
Costs, repayment & eligibilityUpdated Oct 2026
What it costs
- $0Standard delivery, 1–3 business days
- OptionalInstant delivery fee
- OptionalTip, if you choose to leave one
- $2.99/monthOptional budgeting and financial insights membership
Example
- $0 interestBorrow $200 with standard delivery and repay $200
How it works
- Product type
- Interest-free cash advance
- Repayment
- Taken automatically on the payback date you confirm, up to 90 days
- Late fees
- None; if funds are short, Bree tries again on a later date
- Eligibility
- Canadian chequing account with regular income deposits, age of majority in your province, valid government ID
- Approval
- Based on your bank account history (instant bank verification)
Features
- No interest charged
- No credit check
- No late fees
- Repayment extensions available through support
- Budgeting tools, cash flow tracking and bill reminders in the app
- Available on iOS and Android
Amounts and fees as of October 2026. Approval and the amount you can borrow depend on your eligibility. Check Bree's website for current terms.
Bree Features
No Interest
If you're looking for a cash advance using your credit card, you can expect to be charged up to 30% in interest. But with Bree, your cash advance funds are available at no interest, with an APR of 0%, which can help you save a lot of money compared to traditional credit cards and other loan products.
No Mandatory Fees
You don't have to pay for a Bree cash advance. The standard delivery for funds is totally free (funds arrive in about 1 to 3 business days). However, there is the option to get your funds instantly for a fee, which is clearly priced and shown before you confirm your draw.
You also have the option to leave a tip, though this is completely voluntary. Bree runs on tips, which is how they can help people without charging interest. There are no mandatory fees.
No Credit Checks
Bree does not conduct a credit check when you apply, so you won't have to worry about your credit score being negatively affected. Bree doesn't do a credit pull, not even a soft one, and the information you provide is only used to verify your identity. Using Bree won't have any impact on your credit score, positive or negative. Similarly, you don't have to worry about being rejected for a cash advance due to low credit scores, as they don't require credit checks.
Optional Membership
Unrelated to the loan service, Bree also provides an optional financial insights and budgeting membership for $2.99/month after a one-month free trial. It is billed monthly until you cancel, you can cancel it at any time, and you don't need it to apply for or receive a line of credit.
How Quickly Bree Sends Your Money
| Delivery | Timing | Cost |
|---|---|---|
| Standard Delivery | 1 to 3 business days to your chequing account. A request made on Friday may arrive as early as Monday, and no later than Wednesday | Free |
| Express Delivery | Within 5 minutes to your connected debit card | A small fee, shown before you confirm |
How To Get Approved For An Advance
| Requirement | What Bree Looks For |
|---|---|
| Age | Age of majority in your province or territory |
| Residency | Canadian resident. New customers aren't being accepted in Quebec, Saskatchewan, Nova Scotia or New Brunswick |
| Income | At least 2 consistent income deposits in the last 2 months, such as on the 15th and last day of the month. Government benefits count |
| Budget Room | Enough left in your account after the repayment date you choose |
| Bank Account | A Canadian chequing account you connect securely through Flinks or Plaid |
| Credit | No credit check |
Before getting approved for a cash advance, you'll first have to connect your chequing account to Bree. Bree will then look at your bank statements to verify the following:
- Income Consistency: Bree will check if your income, including government benefits, is deposited into your account on regular dates. Bree will review the last two months of account transactions and look for at least two consistent deposits, such as pay on the 15th and the last day of the month.
- Income Sufficiency: Bree will check how much you usually have in your account after you've been paid. This will allow them to verify that your account is likely to have enough money left after the repayment date you select.
These steps will help Bree ensure that you have enough money after paying back your cash advance so you're not at risk of bank overdrafts or NSF fees.
To improve your chances of approval, keep enough money in your account to cover your regular bills after your chosen repayment date. This shows Bree there's a lower risk of an overdraft.
How To Apply For A Cash Advance With Bree
What A Bree Advance Costs
A Bree advance has an APR of 0%, so it costs nothing beyond what you borrow when you choose standard delivery. For example, a $100 draw repaid over 90 days costs $0, and you pay back exactly $100. Tips are optional.
| You Borrow | Bree (Standard Delivery) | Payday Loan at $14 per $100 Borrowed |
|---|---|---|
| $100 | $0 | $14 |
| $250 | $0 | $35 |
| $500 | $0 | $70 |
| $750 | $0 | $105 |
| Optional Tip | Any amount you choose, or $0 | Not applicable |
If you choose express delivery, Bree adds a small fee to send the money to your debit card within 5 minutes. The fee is shown before you confirm your draw.
These numbers are for illustrative purposes only. Actual numbers may vary.
Things To Consider Before Getting A Cash Advance With Bree
Before applying for a cash advance with Bree, make sure you have all your questions answered about their services, your obligations, and potential additional costs.
When Are Payments Due?
While there is no minimum period for loan repayment, the maximum period for repayment is 90 days from the date the cash advance was made. You can also repay early at any time at no additional cost.
What Happens If You Don't Have Enough Cash To Repay In Advance?
If you can't come up with the money to fully repay your cash advance, you may request an extension on the repayment period by contacting Bree's support team. Bree doesn't charge late fees, so reaching out early gives you the most room to repay your debt.
Is Bree Registered?
Bree is run by Bree Technologies Ltd., an active company registered in British Columbia and in Alberta, Manitoba, Ontario and Saskatchewan.
What Bree Customers Say
Claimed since September 2023, with replies to every negative review.
Ranked in the top 50 finance apps in Canada.
Rated by Android users of the Bree app.
Not BBB accredited. 7 complaints in the last three years.
What Bree Does Well
Pros
- No interest or mandatory fees: With standard delivery, you repay only what you borrowed.
- No credit check: Approval is based on your bank account history, so a low score won't hold you back.
- Benefits income accepted: Government benefits count toward your regular deposits.
- Flexible repayment: Up to 90 days per advance, early repayment at no cost and no late fees.
- Highly rated: A 4.8 on Trustpilot and a 4.9 on the App Store from thousands of customers.
Things To Keep In Mind
Cons
- Fast money costs extra: While express delivery has a fee, standard delivery is free and reaches your account in 1 to 3 business days.
- Limits start small: While your first advance may be well under $750, your limit is based on your income and repayment history, so it can grow as you repay on time.
- Not open everywhere: While new customers in Quebec, Saskatchewan, Nova Scotia and New Brunswick can't sign up right now, Bree is open in the rest of Canada.
Bree vs KOHO Cover vs Nyble
Comparing Bree, KOHO and Nyble on loan amount, interest rate, term, availability, funding time, funding method, repayment options, eligibility and required documents, as listed by each lender.
| Feature |  Bree Cash Advance Apply now Learn more |  KOHO Cash Advance Apply now Learn more |  Nyble Line Of Credit Apply now Learn more |
|---|---|---|---|
| Loan amount | Up to $750 | Up to $500 | $30 – $250 |
| Interest rate | 0% | 0% | 0% |
| Term | Up to 90 days | Open-ended | Open-ended |
| Available in | AB, BC, MB, NL, ON, PE | All provinces | All provinces |
| Funding time | 1 to 3 business days Within 5 minutes with express delivery | Instant | 0-3 business days or instant |
| Funding method |
| In-app, to your KOHO account |
|
| Repayment | Repay by the date you choose, up to 90 days | Automatic deduction from deposits to your KOHO Spendable account |
|
| Eligibility |
|
|
|
| Requirements & documents | Not listed | Not listed |
|
Figures are as listed by each lender and can change. Check the lender's site before you apply.
