Whether you call it a Canada Child Benefit (CCB) loan, a child tax credit loan, or a child tax cash advance — if your income includes child tax payments, you can apply online in about 5 minutes. Access up to $1,500, with e-Transfers sent out every 20 minutes.
Qualifying is straightforward. Our online application takes only minutes to complete.
You must be a resident of Ontario or Saskatchewan
You must be 18 years of age or older
You must receive Child Tax Benefit (CCB) or other qualifying government income
Receive at least $400 per pay period including benefit payments
An active Canadian bank account in your name with a minimum $200 balance
Bank account open for at least 90 days
If your Canada Child Benefit doesn't quite stretch to the end of the month, a short-term loan can help cover the gap until your next deposit. Here's the process from start to finish.
Fill out our secure online application. It takes about 5 minutes and can be done from any device.
We check your income (including CCB or other qualifying benefits) and your banking history, not a hard credit inquiry.
Most applicants get an approval decision in around 5 minutes during business hours.
Approved funds are sent by Interac e-Transfer, sent out every 20 minutes during business hours.
We provide clear, upfront pricing on all child tax payday loans before you accept your loan agreement.
Short-term borrowing made simple, fast, and transparent for families receiving child benefits.
Get approved in just 5 minutes with our streamlined application process.
Approved funds go out by E-Transfer on a 20-minute send cycle.
Fully licensed lender in Ontario and Saskatchewan with secure data protection.
Borrow between $100 and $1,500 based on your income and needs.
A child tax benefit loan is meant to bridge a short-term gap, not to be an ongoing source of income. A few things to keep in mind:
Loan terms are structured so repayment can be timed around your CCB deposit or next pay period.
Since payday loans carry a higher cost of borrowing than a line of credit or credit card, it's best used for a genuine short-term shortfall.
Your exact repayment amount is disclosed before you sign — there are no hidden or surprise fees.
If you find yourself relying on short-term loans regularly, our responsible lending page outlines other resources worth considering. Our Canadian Household Affordability Report 2026 also looks at how child benefits and rising costs interact for many Canadian families.
Yes. We accept Canada Child Benefit (CCB) payments as qualifying income, provided you meet our minimum income and bank requirements.
No. We do not run a traditional credit check. Approval is based on your benefit income and bank account history.
Once approved, funds are sent via Interac E-Transfer, with sends going out every 20 minutes during business hours.
You can borrow up to $1,500 or 50% of your net income per pay period, whichever is lower.
Currently we are licensed to lend in Ontario and Saskatchewan only.
Yes — our full application, approval, and funding process is online start to finish. You don't need to visit a branch; Child Tax Benefit / Canada Child Benefit income qualifies the same as employment income, subject to our minimum income and bank history requirements.
We're currently licensed to lend only in Ontario and Saskatchewan. If you're outside those provinces, we can't fund a loan at this time, but you're welcome to browse our responsible lending resources.
Yes — a "child tax loan" or "CCB loan" is just a payday loan where Child Tax Benefit / Canada Child Benefit income is used to qualify. Same cost structure applies: $14 per $100 borrowed, 62-day maximum term.
Apply now and get up to $1,500 deposited to your account today.
Apply Now — It's FreeWe comply with all government regulations in our service areas
No refinances, rollovers, or extensions
Clear terms on payments, fees, and implications of non-payment
1. Minimum and Maximum Repayment Period
2. Maximum Annual Percentage Rate (APR)
3. Representative Example of Total Loan Cost
