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%


in Toronto, Ottawa, Mississauga, Brampton, London, Windsor, Hamilton, Niagara Falls, Kitchener, Oshawa, Barrie, Guelph, Kingston, Kanata, Milton, Brantford, Thunder Bay, Sudbury, Peterborough, Sarnia, Belleville, Sault Ste. Marie, Welland–Pelham, North Bay, Cornwall, Chatham, Georgetown, St. Thomas, Woodstock, Bowmanville, Leamington, Stouffville, Orillia, Stratford, Orangeville, Bradford, Timmins, Keswick–Elmhurst Beach, Bolton, Midland, Innisfil, Owen Sound, Brockville, Fergus, Lindsay, Collingwood, Cobourg, Alliston, Wasaga Beach, Valley East, Pembroke, Tillsonburg, Port Colborne, Fort Erie, Strathroy, Simcoe, Amherstburg, Petawawa, New Hamburg, Angus–Borden CFB-BFC, Ingersoll, Port Hope, Paris, Rockland, Carleton Place, Beamsville, Uxbridge, Hawkesbury, Kenora, Elliot Lake, Arnprior, Elmira, Wallaceburg, Caledonia, Acton, Port Perry, Bracebridge, Newcastle, Smiths Falls, Binbrook, Crystal Beach, Kincardine, Renfrew, Shelburne, Port Elgin, Aylmer, Goderich, Sutton, Listowel, Essex, Napanee, Fort Frances, Hanover, Kapuskasing, King, St. Marys, Embrun, Sturgeon Falls, Huntsville, Parry Sound, Kirkland Lake, Chelmsford, Port Dover, Brighton, Dunnville, Manotick Station, Corunna, Chippawa, Lively, Dryden, Perth, Smithville, Tay, Petrolia, Gravenhurst, Gananoque, Tottenham, Almonte, Mount Albert, Meaford, Tilbury, Porcupine, Picton, Azilda, Mississauga Beach, Exeter, Mount Forest, Rockwood, Nobleton, Mitchell, Walkerton, Russell, New Liskeard, Blenheim, Caledon East, Delhi, Ayr, Vineland, Richmond, Stayner, Prescott, Kemptville, Dorchester, Beeton, Hearst, Espanola, Southampton, Deep River, Cochrane, Casselman, Bobcaygeon, Campbellford, Haileybury, St. George, Wellesley, Ballantrae, Marathon, Waterford, Clinton, Ridgetown, Iroquois Falls, Tavistock, Bridgenorth–Chemong Park Area, Sioux Lookout, Hagersville, Virgil, Wingham, Wheatley, Norwich, Alexandria, Frankford, Beaverton, Capreol, Lakefield, Harrow, Schomberg, Grand Bend, Seaforth, Erin, Palmerston, Wawa, Durham, Osgoode, Lucan, Thornbury, Fenelon Falls, Dresden, Winchester, Morrisburg, Wyoming, Arthur, Elmvale, Constance Bay, Blind River, Forest, Colchester, Port Stanley, Glencoe, Thamesford, Drayton, Limoges, Dundalk, Stirling, Wiarton, St. Jacobs, Atikokan, Carlisle, McGregor, Ilderton, Cannington, Chesley, Mount Brydges, Geraldton, Coniston, Factory Island, Harriston, Mattawa, Wendover, Long Sault, Metcalfe, Vankleek Hill, Parkhill, Cardinal, Cayuga, Manitouwadge, Tweed, Millbrook, Oro Station–Hawkestone, Chesterville, Everett, Deseronto, Grand Valley, Marmora, Colborne, Milverton, Little Current, Amigo Beach, Watford, Madoc, Attawapiskat 91a, Caledon, Dowling, L'Orignal, Longlac, Englehart, Moosonee, Ingleside, Norwood, Dutton, Plattsville, Powassan, Wikwemikong, West Lorne, Omemee, Barry's Bay, Sunderland, Mildmay, Markdale, Cookstown, Claremont, Marchmont–Bass Lake, Alfred, Bath, Stevensville, Red Lake, Havelock, Thessalon, Chapleau, Creemore, Bourget, Brussels, Golden, Haliburton Village, Belmont, Lucknow, New Dundee, Cobalt, Hastings, Bayfield, Orono, Port Rowan, Stoney Point, Paisley, Palgrave, Jarvis, Chalk River, Iroquois, Eganville

THE SHORT TERM HASSLE-FREE LOAN

The funds you need when you need them.

instant online loans canada
easy loans online
800
1
instant cash payday loan
Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
instant cash payday loan
Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.
Manitoba

Why Choose Cloud Nine Loans


That alternative to the old payday loan that you’ve been waiting for


At Cloud Nine Loans, we know how important flexibility is to financial success. We take into consideration all the relevant details of your financial situation to ensure whichever of our repayment plans you choose, we can keep your rate as low as possible. Whether you’re borrowing $100 or $1500, repaying in a single payment or 2 or 3 installments, our advanced algorithm is working out the best rate for your situation.

If you’re worried that your credit score may prevent you from having access to our great short-term loans, don’t tie yourself in knots over that. A credit score is a result of what happened back some time in the past. This is now and if you can repay a loan today why shouldn’t you have the opportunity to deal with the unexpected financial challenges that we all have to cope with from time to time? That’s why we look at the big picture of your financial situation.

Our repayment options help you find a solution to your financial challenges that will help keep those rates down. Have a closer look and you’ll be pleasantly surprised at how competitive our rates are.

People are surprised to discover that often our rates actually beat out what they’d pay one of the major credit cards. You can have access to the funds to make your financial life more pleasant, without excessive fees, as long as you meet the repayment plan you choose in your loan agreement.

1.

Apply immediately

Getting a loan has never been easier – or faster. We’ll need some personal background info, then just choose your loan amount and repayment plan. Then you’re good to go.

2.

Know immediately

There’s no fuss in the process. You’ll be immediately informed if you qualify. All that is left is to sign your electronic contract.

3.

Receive money

Any time, day or night, your loan will be e-transferred to you in just 5 minutes!

fast online payday loan

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.

Interest fees & transparency

Managing your loan
Interest fees & transparency

Interest Fees and Transparency

The cost of borrowing is calculated as a percentage of the amount borrowed and range between $15 to $23 according to the Payday loan legislation of each province:

Province Interest Fees & Transparency Late fee
Alberta $15 per $100 $25
British-Columbia $15 per $100 $20
Manitoba $17 per $100 $20
New Brunswick $15 per $100 $20
Nova-Scotia $17 per $100 $40
Ontario $15 per $100 $25
Saskatchewan $17 per $100 $25
Newfoundland and Labrador $21 per $100 $20

When you take a cash advance loan with Cloud Nine Loans, you are always in complete control of how much money you will owe and there are no surprises nor hidden fees. Before signing your loan agreement, we will give you a breakdown of all the costs involved in your loan so you will be able to make an informed decision.

Getting your money
Repaying your loan
Repeat Borrowing
Late Fees

No Credit Check | High Approvals

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

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.

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%


in Toronto, Ottawa, Mississauga, Brampton, London, Windsor, Hamilton, Niagara Falls, Kitchener, Oshawa, Barrie, Guelph, Kingston, Kanata, Milton, Brantford, Thunder Bay, Sudbury, Peterborough, Sarnia, Belleville, Sault Ste. Marie, Welland–Pelham, North Bay, Cornwall, Chatham, Georgetown, St. Thomas, Woodstock, Bowmanville, Leamington, Stouffville, Orillia, Stratford, Orangeville, Bradford, Timmins, Keswick–Elmhurst Beach, Bolton, Midland, Innisfil, Owen Sound, Brockville, Fergus, Lindsay, Collingwood, Cobourg, Alliston, Wasaga Beach, Valley East, Pembroke, Tillsonburg, Port Colborne, Fort Erie, Strathroy, Simcoe, Amherstburg, Petawawa, New Hamburg, Angus–Borden CFB-BFC, Ingersoll, Port Hope, Paris, Rockland, Carleton Place, Beamsville, Uxbridge, Hawkesbury, Kenora, Elliot Lake, Arnprior, Elmira, Wallaceburg, Caledonia, Acton, Port Perry, Bracebridge, Newcastle, Smiths Falls, Binbrook, Crystal Beach, Kincardine, Renfrew, Shelburne, Port Elgin, Aylmer, Goderich, Sutton, Listowel, Essex, Napanee, Fort Frances, Hanover, Kapuskasing, King, St. Marys, Embrun, Sturgeon Falls, Huntsville, Parry Sound, Kirkland Lake, Chelmsford, Port Dover, Brighton, Dunnville, Manotick Station, Corunna, Chippawa, Lively, Dryden, Perth, Smithville, Tay, Petrolia, Gravenhurst, Gananoque, Tottenham, Almonte, Mount Albert, Meaford, Tilbury, Porcupine, Picton, Azilda, Mississauga Beach, Exeter, Mount Forest, Rockwood, Nobleton, Mitchell, Walkerton, Russell, New Liskeard, Blenheim, Caledon East, Delhi, Ayr, Vineland, Richmond, Stayner, Prescott, Kemptville, Dorchester, Beeton, Hearst, Espanola, Southampton, Deep River, Cochrane, Casselman, Bobcaygeon, Campbellford, Haileybury, St. George, Wellesley, Ballantrae, Marathon, Waterford, Clinton, Ridgetown, Iroquois Falls, Tavistock, Bridgenorth–Chemong Park Area, Sioux Lookout, Hagersville, Virgil, Wingham, Wheatley, Norwich, Alexandria, Frankford, Beaverton, Capreol, Lakefield, Harrow, Schomberg, Grand Bend, Seaforth, Erin, Palmerston, Wawa, Durham, Osgoode, Lucan, Thornbury, Fenelon Falls, Dresden, Winchester, Morrisburg, Wyoming, Arthur, Elmvale, Constance Bay, Blind River, Forest, Colchester, Port Stanley, Glencoe, Thamesford, Drayton, Limoges, Dundalk, Stirling, Wiarton, St. Jacobs, Atikokan, Carlisle, McGregor, Ilderton, Cannington, Chesley, Mount Brydges, Geraldton, Coniston, Factory Island, Harriston, Mattawa, Wendover, Long Sault, Metcalfe, Vankleek Hill, Parkhill, Cardinal, Cayuga, Manitouwadge, Tweed, Millbrook, Oro Station–Hawkestone, Chesterville, Everett, Deseronto, Grand Valley, Marmora, Colborne, Milverton, Little Current, Amigo Beach, Watford, Madoc, Attawapiskat 91a, Caledon, Dowling, L'Orignal, Longlac, Englehart, Moosonee, Ingleside, Norwood, Dutton, Plattsville, Powassan, Wikwemikong, West Lorne, Omemee, Barry's Bay, Sunderland, Mildmay, Markdale, Cookstown, Claremont, Marchmont–Bass Lake, Alfred, Bath, Stevensville, Red Lake, Havelock, Thessalon, Chapleau, Creemore, Bourget, Brussels, Golden, Haliburton Village, Belmont, Lucknow, New Dundee, Cobalt, Hastings, Bayfield, Orono, Port Rowan, Stoney Point, Paisley, Palgrave, Jarvis, Chalk River, Iroquois, Eganville

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