Quick and Express Loans

Do you need a quick loan or even an express loan?

Consult our experts in urgent cash advances and loans in Canada.

Why turn to I Need My Money Today?

For 17 years, I Need My Money Today has been finding solutions and short-term loans to allow its clients to manage their debts.

By calling on the experts, you have the assurance of having competent and experienced brokers by your side who will help you get back to a better financial situation. Our company is backed by powerful values such as clear and honest dialogue, speed of service, and respect for our clients.

Your loan agreement in 3 steps

Send us the required information

Fill out our form without delay and get an immediate response.

Secure your loan approval

Once your application has been approved, we send you a loan agreement. You just have to sign it and return it to us to access your funds.

Receive your money

The money is instantly sent to your bank account by our network of private lenders. You can start using it immediately.

Attention: this loan is not an installment loan. It is due on your next payday.

Repayment examples

A $300 loan with an APR of 18% is $46.22 weekly payment. This example includes all the fees associated with the borrowed capital

Repayment term

Our installment loans are repayable within a period of 6 months

Interest Rate

We offer lower interest rates than our competitors. Our interest rate is 18%

Need a loan for any project ?

Terms and Conditions

Repayment options
Example for a $300 loan

Option 1

You must make a weekly payment of at least $46.22 on your payday, which corresponds to the minimum financing fees. If you get paid every two weeks, you must pay $92.44 every two weeks.

Option 2

It’s possible for you to pay the minimum financing fees each week plus an additional amount to pay off a portion of the outstanding total. You can therefore pay (for example) $146.22 per week and repay $100 of the principal to reduce your debt.

Option 3

You also have the option to make a payment the same week that includes your weekly fees plus the entire outstanding balance on your loan. For example, if your remaining principal to be paid off is $300 and you pay $346.22 the following week, your loan will be completely repaid, and you can close your account.

Financing fees

Financing fees of $12 per $100 of outstanding loan (including interest and brokerage fees) are charged each week.


The loan amount will be available in your bank account within 45 min of receiving your signature, provided that it reaches us during our business hours.
We don’t perform any credit check, because our network of private lenders doesn’t decide whether or not to approve your loan application based on your past financial situation. The important thing is to help you realize your plans as quickly as possible.
Applying for a loan online is simpler than applying for a bank loan. However, you still need to meet the following conditions:
  1. Have a valid chequing account for at least 3 months
  2. Have a full-time job for at least 3 months
  3. Receive your pay by direct deposit
  4. Not be in a bankruptcy situation or have wage garnishment