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Installment loans when it can't wait

Most lenders in our network lend $300 to $3,000, repaid over 90 to 120 days, and they don't run credit checks.

  • Applying is free
  • No credit check
  • Funds often the same day you sign

How much do you need?

$500 $750 $1,000 $1,500 $2,000 $3,000
Start my application

You choose the exact amount in the application.

One application, several lenders

Many lenders in our network deposit the money the same day you sign.

See how it works

  1. Fill in the form

    Tell us how much you need, where you work or how you're paid, and where to send the money. It takes a few minutes on your phone.

  2. We find a lender

    Your application goes to lenders in our network. A lender may ask for ID, proof of income or a recent bank statement, and may verify your bank account online.

  3. Review and sign

    A lender that can help contacts you with the amount, rate, fees and payment dates. Nothing is final until you agree to its contract.

Bills don't wait for payday

A car repair, a rent shortfall or a utility bill that's already late. When you need money this week, waiting two weeks for your next pay doesn't help.

Lenders in our network offer installment loans that you repay in several payments over a few months, so a single payday doesn't have to cover the whole amount. The lenders in our network don't run credit checks, so a low score or a past missed payment doesn't rule you out.

  • Funds often the same day you sign
  • Usually repaid over 90 to 120 days
  • No credit check by the lenders in our network

Guides for common situations: car repair, rent, a hydro or gas bill, a vet bill, and how to spot a loan scam.

What to try before you borrow

What a $300 loan costs

Example only
Amount borrowed
$300.00
Annual percentage rate
32%
Term
98 days
Payments
7 bi-weekly of about $44.99
Cost of borrowing
$14.93
Total repaid
$314.93

Most lenders in our network charge an APR of 22% to 32%, depending on the risk of the application. Your lender shows you the actual amount, rate, fees and schedule before you sign.

How loan costs work

Want to rebuild your credit?

A loan isn't the only option. Achilles Finance, which runs Urgent Loans, also offers two Mastercard® cards, both issued by Zūm Rails.

Achilles Secured Mastercard®

  • Your security deposit of $200 to $5,000 sets your credit limit.
  • $12.99 a month plus tax, with no interest charged on that monthly fee.
  • Zūm Rails reports your payments to Equifax. Paying on time helps rebuild your credit history, and late or missed payments can be reported too.
  • Interest and fees on purchases are set out in the cardholder agreement you sign with Zūm Rails.
Check if you qualify

Achilles Prepaid Mastercard®

Reloadable and accepted anywhere Mastercard is. You spend what you load, so there's no credit line and no interest. It costs $9.99 a month plus tax, and there's no credit check.

It doesn't build credit, because nothing is reported to the credit bureaus.

Learn about the prepaid card

Both cards are issued by Zūm Rails. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Questions before you apply?

If you've never had an installment loan, it's normal to have questions. Our answers page covers the common ones, and you can reach us through the contact form or the chat button at the bottom of the page.

Apply in a few minutes

One application reaches the lenders in our network. Applying is free.

Start my application