All loans are subject to credit and underwriting approval. InstantFunds is a loan search platform and comparison website, not a lender. InstantFunds only collaborates with financial service providers that adhere to applicable financial laws and regulations. Loan amounts typically range from $500–$50,000, with repayment terms from 3 months to 60 months or longer. APRs vary between 6.99% and 46.96%, depending on our partner’s evaluation of your credit profile.For example, on a $500 loan paid monthly over 9 months, a borrower may pay $81.15 per month, totaling $730.35. This includes our partner’s optional loan protection policy. Missed payments may result in an insufficient funds fee of around $45 (depending on the lender). In the event of a loan default, the payment plan will be canceled and different collection methods will be employed to recover the outstanding balance. Debts may be pursued to the full extent of the law. Our lending partners follow fair collection practices.InstantFunds is not affiliated with Equifax Canada Co., its parent company, subsidiaries, or affiliates (collectively, “Equifax”). The content on this website is not reviewed or approved by Equifax. InstantFunds may be an authorized reseller of the Equifax Risk Score; however, Equifax does not endorse, guarantee, or recommend any of the products, services, or content on this website.