No Credit Check Loans

Lending Money with No Credit Check Loans

Past mistakes shouldn’t hinder your ability to apply for a loan at banks. That’s why at ‘My Next Pay’, the loans you obtain from us don’t require a credit check. This makes us a unique and the best loan provider.

Why Choose Mynextpay?

We are committed to maintaining the confidentiality of your personal information and all related sensitive data. Our priority is the security of your data!

Do you have poor credit? No worries, at Mynextpay, Canada, our lenders are willing to help you even with bad credit scores provided that you will follow the repayment terms.

We do not conduct any credit check investigations when you apply for a quick cash loan.

What is a Credit Check?

Before approving a conventional bank loan amount, the lender will evaluate your bank statements and credit rating. The lender will then use the credit report and other financial data to decide whether or not to grant you the loan. At Mynextpay we do not conduct a credit investigation!

Credit Investigations Can Affect your Credit Rating

When you apply for classic loans in Canada, a credit score investigation is launched. This one, whether or not you have obtained the loan, is recorded on your file. A credit score investigation will therefore appear on the credit report and remain there for 2 years, which can negatively affect your credit rating.

Why Use Loans Without a Credit Report?

One of the big advantages of using personal loans without a credit report is that they are based on the income you earn and not on your credit history thus providing you the best interest rates. As soon as you send in the necessary documents like your credit card and prove that you have the ability to repay, they get approved within 24 hours as payday loans.

Time to Transfer the Money

All online applications submitted and approved before 11 a.m. EST get processed on the same day.. You will therefore receive the personal loan the same day on your bank account because of the fast approval. If the application is submitted after 11 am EST, the funds may be deposited into your bank account within the next 24 hours.

Main provinces served in Canada | No Credit Check Loans


A short-term loan, what is it?

It is a payday loan that is used to solve an urgent, short-term financial problem.

What can my short-term loan be used for?

Your short-term loan or payday loan can be used for a variety of reasons, such as to pay a bill, cover unexpected expenses, pay a debt, or even to avoid charges following an NSF payment among other essential payments.

When will I get an answer?

One of our Canadian customer service representatives will contact you, either by phone or email, within an hour of receiving your application to process it efficiently and streamline the application process. Our offices are open Monday to Friday from 10am to 6pm (EST). Requests made outside of these hours will be processed the next business day.