Receiving Canada Pension Plan benefits? Whether you call it a CPP loan, a CPP payday loan, or a pension cash advance, if your income includes CPP payments, you can apply online in about 5 minutes. Get up to $1,500, with e-Transfers sent 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 — there is no maximum age
You must be receiving Canada Pension Plan (CPP) or other eligible regular income
You must receive at least $400 per pay period, including benefits
An active Canadian bank account in your name, minimum $200 balance
3 months of bank statements, no NSF or stopped payments in the last 90 days
We're a fully licensed lender in both provinces we serve, with the same transparent pricing and process wherever you live.
Licensed under the Payday Loans Act, 2008 (FSRA), Licence #4724430. Our Ontario office is at 15 Wellesley St W, Suite 201, Toronto. CPP recipients across Ontario — from Toronto to Windsor to Sudbury — regularly qualify using their monthly CPP deposit as income.
Licensed under The Payday Loans Act, Licence #511394. Our Saskatchewan office is at the Royal Bank Building, 2010 – 11th Avenue, 7th Floor, Regina. We also serve CPP recipients in Prince Albert, Saskatoon, and communities across the province.
We believe in clear, upfront pricing. You will see the full cost before accepting the loan — no hidden fees, no surprise charges.
Short-term borrowing made simple, fast, and transparent for CPP recipients.
Get a decision in just 5 minutes with our streamlined online application.
Receive your money via E-Transfer within 20 minutes of approval, 7 days a week.
Fully licensed lender in Ontario and Saskatchewan with secure data protection.
We schedule repayment around your CPP payment date — typically the third-last business day of each month.
A payday loan is a high-cost, short-term borrowing option. Here's what to keep in mind before applying.
Only borrow the amount required to cover your immediate expense, since fees apply to the full amount borrowed.
Repayment is scheduled around your CPP deposit date, so plan your other expenses around that same date.
If you have access to lower-cost credit, a line of credit, or support from a community resource, those options may cost less over time.
Read our full Responsible Lending Policy → or see the 2026 Canadian Household Affordability Report →
Yes. We accept Canada Pension Plan (CPP) payments as qualifying income, provided you meet our minimum income and bank requirements.
No. We do not perform hard credit checks. Approval is based on your CPP income and bank account history.
Once approved and your agreement is signed, funds are sent via Interac E-Transfer, with sends going out every 20 minutes.
Yes. If you receive CPP along with OAS, GIS, or other eligible income, the combined amount counts toward your qualifying income.
You can borrow between $100 and $1,500, or up to 50% of your net income per pay period, whichever is lower.
Repayment is scheduled on or after your next CPP payment date, typically the third-last business day of each month.
Currently we are licensed to lend only in Ontario and Saskatchewan.
Apply online in about 5 minutes. No branch visit, no paperwork, no credit check.
We comply with all government regulations in our service areas
No refinances, rollovers, or extensions
Clear terms on payments, fees, and implications of non-payment
