Maximum charges permitted in Ontario for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%

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YOUR ONLINE MONEY SOURCE

Canada’s most accessible loans

What loan amount would you like?

800

Want to know how many repayments?

Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.

Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.

Tell us what province you live in.

Manitoba

GET YOUR MONEY IN A SNAP

Borrowing the Quick Way

We know that you have your own special financial concerns that are unique to you, that’s why our short-term loan business is geared to meet your personal needs.

Even a bad credit score, whether it’s fairly earned or not, doesn’t have to be an obstacle to getting the money you need, when you need it. As a responsible lender, we know that our job is to see the big picture. Whatever happened in the past, if our evaluation of your overall financial situation indicates that today you can repay your loan, we can provide you the funds you need in an instant.

It’s fast, easy and convenient. As a direct lender that operates fully online, you can get those funds you need without having to go through a bunch of rigmarole. You can apply from the couch, during the commercial breaks of your favourite TV show.

There will be no death-by-document-overkill with us. All we need is your basic employment and financial facts. Our advanced algorithm does all the rest. With the ability to borrow as much as $1,500, without having to wait in line at some counter for an hour, we bring the loaning service of the future to you today.

Cloud Nine Loans is rocketing to the top
in the PayDay loan industry.
Here are 5 reasons why we’re Canada’s choice:

Credit Score Not Great?

Don’t be discouraged by a poor credit score. What we’re interested in is your ability to repay. Just because things went badly for you in the past doesn’t mean you’re not able to repay today. We use an advanced algorithm to take in the whole financial picture of your situation. But of course, we don’t want to contribute to making your situation worse, so our Code of Conduct directs us to never loan you any money we don’t think you’ll be able to repay.

Money that’s minutes away

Residents of Canada and the larger metropolitan area will be amazed at how efficiently we have down the short-term loan process. In the great majority of cases, your loan will be available in just minutes. We have a leading-edge approvals system that you can use from the comfort of your armchair.

No document fatigue

We know other companies require you to document your whole life. No need to worry about that with us. We won’t ask for faxes or letters, nor will we require to come into our office to sign any documents. It’s all streamlined, online, for your convenience.

Completely transparent

Our Code of Conduct assures you’ll experience the most ethical, responsible and transparent loan experience possible. Everything is clearly explained, and your questions are answered when you ask them. Everything you need to pay is explained up front and transparently. Our job is to make your life easier.

Safe and secure

Of course, we require some personal information to assess your application, but you can rest assured, that your information is safe with our top of the line industry encryption technology. Wherever you live in the Canada area, from Delta to Richmond, Burnaby to West Vancouver, and beyond, this is the safest, easiest, most transparent loan process you’ve seen.

We appreciate the encouraging response to our innovative loan business model from our clients in Canada. Look forward to more great short-term loan opportunities as we work to make your financial life easier and happier.

Our eligibly requirements are basic.

Cloud Nine Loans The hassle-free loan option.

Required

Are a Canadian citizen or Perminate Resident.
Live in a province where we do business.
Are 19 years of age or more.
Received the same income source for at least 3 months.
Have at least a monthly net income of $800.
Are in possession of a Canadian bank account for the last 3 months from which you can do online banking.
Have valid email and home address, and a mobile phone.

Can I be approved quickly?

Once you’ve filled out your application, our decisions system, with its advanced algorithm, gives you a decision almost instantly.

Most of our customers have their money in the bank the same day. Once you’re approved and you sign your electronic agreement, our e-transfer system has the funds in your bank in 5 minutes.

Is there a borrowing limit?

Currently we offer loans between $100 and $1,500. These come with flexible repayment options. Our advanced algorithm helps us identify the loan amount that suits your financial circumstances best.

How Much Income do I Need?

Our minimum monthly requirement is an income of $800. A lot of sources, which you might not expect, though, can be counted toward this total. That includes child tax credits, ODSP benefits and pensions, among others. Include such income sources in the Employment Details of your application and we’re ready to go.

How about repayment?

We make repayment as easy as a dream. Once repayment day arrives, we will simply debit the amount stipulated in your loan agreement out of the same bank account into which we made the original loan. All you have to do is be sure there are sufficient funds to cover the repayment. Other than that, there’s nothing for you to worry about.

No Credit Check | High Approvals

Get Up To $1,500 From a Safe Trusted Licensed Lender. Easy Application. Multiple repayments, FAST e-Transfer.

APPLY NOW FOR INSTANT APPROVAL

We do things differently

Cloud Nine Loans is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people’s lives.

Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we’re there to help.

Bad credit isn’t a deal breaker

If you’re worried about having bad credit, don’t let that stop you. It’s not the only criteria. We’re much more interested in your ability to make your repayments.

Don’t worry about documents

It’s an easy, real-time, streamlined process. We’ve already got the necessary evaluation tools. We don’t need all those pieces of paper.

Your pre-approval is minutes away

Any time of day, any day of the year, our fully automated decision system is ready to help you identify the best loan option to meet your needs. There’s no stressful waiting for an answer. Every application is reviewed and answered in just minutes.

Transparent costs

We want you to make the best informed judgment for your situation. All our fees are fully transparent and explained. Plus, we’ll answer your questions and provide you the financial planning tools that you need to make the smart choice.