Is Bree actually free?

On standard delivery, yes no interest, no mandatory fees, no late fees. Borrow $100 and repay exactly $100 in 1 to 3 business days. It stops being free if you pay for express delivery ($2.99 to $45.99), subscribe to the optional $2.99/month membership, or leave a tip. All three are optional.

How much can I borrow from Bree?

Up to $750, with a maximum term of 90 days. Limits start lower and increase with on time repayment history, so a first advance is typically well below the maximum.

What does Bree's express delivery cost?

Between $2.99 and $45.99, scaling with the advance amount. As a rate, that varies with how quickly you repay: a $45.99 fee on a $750 advance repaid in 14 days works out to roughly 160% annualised, or about 25% if repaid over the full 90 day term.

Is Bree cheaper than a payday loan?

Substantially. A payday loan costs $14 per $100 about 365% APR over 14 days. Bree costs nothing on standard delivery, and even its highest express fee works out to roughly 160% on a two week repayment. If you can wait 1 to 3 business days, the difference is the entire fee.

Does Bree affect my credit score?

No. There's no credit check to qualify and Bree doesn't report to the credit bureaus, so using it neither helps nor harms your score. If credit building is a goal, Nyble reports repayments to Equifax.

Do I need the $2.99 membership?

No the core cash advance service works without it. The membership adds budgeting tools and express access. Whether it's worth it depends on frequency: at $35.88 a year, it costs $2.99 per advance if you borrow monthly and $17.94 per advance if you borrow twice a year.

Can I get a Bree advance on government benefits?

Bree's published material indicates that government benefits count as qualifying income, including ODSP, Ontario Works, CPP, the Canada Child Benefit and EI. Some third party comparison pages state otherwise confirm directly with Bree.

No. Tips are voluntary, can be set to zero, and don't affect approval, eligibility or your limit.

Is Bree available in my province?

Yes Bree operates in all ten provinces and three territories. You'll need to be the age of majority where you live, which is 18 in Alberta, Manitoba, Ontario, PEI, Quebec and Saskatchewan, and 19 elsewhere.

Is Bree a payday loan?

No. Payday loans are provincially licensed short term credit with a capped per $100 borrowing charge. Bree is a cash advance with no mandatory fee. Because cash advance apps aren't structured as payday loans, payday consumer protections don't automatically apply.

Is CalcVault affiliated with Bree?

No. We're not affiliated with, endorsed by, or sponsored by Bree, and we earn no commission from Bree or any cash advance provider. There are no referral links on this page.

Is this calculator free?

Yes. No account, no email, no limits.

Bree Cash Advance Cost Calculator

Bree advertises 0% interest and no mandatory fees. That's accurate if you're willing to wait one to three business days.

If you pay for express delivery, you're paying a cost Bree never expresses as a rate. This calculator shows you what that cost actually is, in dollars and as an annualised rate, next to the alternatives.

Bree Loan Calculator

Cash Advance Amount ($20 – $500)$150.00

Repayment Term (Next Payday)

Transfer Speed

Optional Support Tip ($)

Total Amount Due on Payday

$156.99

Advance: $150.00 · Interest: 0.00% ($0.00) · Fees & Tip: $6.99

Cash Deposited

$150.00

Instant e-Transfer

Total Fees & Tips

$6.99

Express fee: $4.99

Equivalent APR

121.5%

Over 14 days

Advance Cost Breakdown

Component	Rate / Rule	Cost
Requested Advance	$20 to $500 max limit	$150.00
Interest Charge	0.0% Guaranteed	$0.00
Express Delivery Fee	Instant Interac e-Transfer	$4.99
Optional Tip	Voluntary support tip	$2.00
Total Payday Repayment	Due in 14 days	$156.99

Bree is a Canadian financial technology platform offering 0% interest cash advances to help Canadians avoid payday loan interest and overdraft fees. No credit check required.

We Have Nothing to Sell You

CalcVault is not affiliated with, endorsed by, or sponsored by Bree. We don't earn commission from Bree or from any cash advance provider, and there are no referral links on this page.

That matters here more than usual, because almost every other page you'll find on this topic is written by someone with money at stake Bree's own blog, competitor comparison pages, or affiliate review sites. Several of them publish figures that are years out of date or simply wrong.

We're not against Bree. On standard delivery it's genuinely free, and for someone facing a $45 overdraft fee that's a real benefit. But "0% APR" describes the mandatory terms, not what most people in a hurry actually pay and that's worth being able to check.

What Bree Is

Bree is a Vancouver based fintech founded in 2021 that provides cash advances of up to $750 to Canadians, delivered by Interac eTransfer. It reports more than 200,000 users and operates in every province and territory.

It's not a payday lender and it's not a bank. It advances money against your expected income, with no credit check and no credit impact. Bree describes the arrangement as a non recourse personal loan at 0% APR.

What It Actually Costs

Component	Cost	Mandatory?
Interest	0%	No
Late fees	None	No
Standard delivery (1 to 3 days)	Free	No
Express delivery	$2.99 to $45.99	Optional
Membership	$2.99/month	Optional
Tip	Voluntary ($0)	Optional

Express Delivery, Expressed as a Rate

Bree quotes express delivery as a flat fee. It's a fee for getting credit sooner, which is what interest is, so it's reasonable to ask what rate it represents.

$750 advance ($45.99 express fee)

14 days repayment: ~160% APR
30 days repayment: ~75% APR
90 days repayment: ~25% APR

$100 advance ($2.99 express fee)

14 days repayment: ~78% APR
30 days repayment: ~36% APR

Compared to Payday Loans and Overdraft

On a $300 shortfall:

Option	Cost	Notes
Bree, standard delivery	$0	1 to 3 business days
Bree, express	~$10	Minutes
NSF / overdraft fee	~$45 to 48	Per occurrence
Payday loan	$42 at $14/$100	~365% APR over 14 days