Here's How It Works

Apply for up to 1000$
(1500$ for returning customers).

If approved, get cash sent within
10 minutes after approval.§

Repay over 1, 2 or 3 pay periods,
if eligible.

What We Offer

With borrowithus, new customers can apply for a loan of up to 1000$(returning customers can apply for up to 1500$). Once approved, money will be sent to your bank account within 10 minutes after approval.§ If your bank does not support faster payments, it may take longer for funds to reach your account.

If we are unable to verify the bank account details provided in your application, we will ask for additional information before processing your loan. Once your application is complete, you’ll be able to view your contract and loan details on your online account. You’ll receive an email from us as soon as your loan has been funded.

Applying with Borrowithus

New customers can usually complete our online application form in just a few minutes. Returning customers can apply from their online account with just a few clicks.

Here is some of the information we’ll ask for during the application process:

• Address information

We ask for your address so that we can verify your identity when we review your application.

• Employment information

We ask if you are currently employed and receiving regular paycheques before considering your application. We will not contact your employer — instead, we use third-party services to verify employment.

• Financial and monthly expense information

Information about your income and expenses gives us a picture of your financial circumstances, which helps us provide you with a suitable loan offer.

• Bank account information

If approved, we use this information to send your money to your bank account within 10 minutes after approval.§

On the application, you may be able to choose to repay over 1, 2 or 3 pay periods. Once you sign your contract, we will ask you to set up your repayment method. You can either link a debit card for your repayments or authorise direct debit from your bank account. We will then collect repayment(s) from your preferred repayment method on the date(s) listed on your contract. Your loan won’t be funded until you have authorised a valid repayment method. For more information on your repayment options, and for details on the cost of borrowing, visit our Rates & Terms page.


If you’re approved, your loan will be funded within 10 minutes after approval.§

Under Review

If your application is under review, we may need more information from you before making our loan decision.


If your application is declined, that means we are currently unable to offer you a loan. You’re welcome to log in and apply again at any time in the future.

Note: Loan applications are recorded on your credit report. Too many such records within a short period of time can be viewed as a red flag by those checking your credit.

Eligibility Requirements



If approved, you will repay your loan over 1, 2 or 3 payment periods.

1 Period

Your loan amount and accrued interest are due on your repayment date.

2 Period

Your accrued interest is due on your first repayment date. On your second repayment date, you’ll pay your loan amount plus additional accrued interest.

3 Period

Your accrued interest is due on your first two repayment dates. On your third repayment date, you’ll pay your loan amount plus additional accrued interest.

Remember, you can also pay early at no additional cost. This can help you save money by reducing the amount you pay in interest.

Additional Borrowing Options

There are several additional options that may be available to customers with active loans. In addition to early repayment, which can be done at any time and at no extra charge, customers may be eligible for a Top-Up or extension


If you have an active loan in good standing, you may be eligible for a Top-Up on your loan if you have principal remaining on your approval limit. If you apply and are approved for a Top-Up, you will repay your original loan amount, plus Top-Up, interest and any fees, either according to your current repayment schedule or in conjunction with an extension.


If you need more time to pay back your loan, you may be able to request an extension by logging in to your online account. If approved for an extension, you’ll be able to extend repayment of your loan’s principal by either one or two additional pay periods. You will be assessed daily interest for this additional time. You can apply for a maximum of two extensions per loan, for a maximum total loan duration of three periods.


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