Compare Bree, KOHO Cover, Nyble and NotchUp by cost, delivery and how you can use the funds. A published limit is not an approval.
How this comparison works →Provider links take you to the company’s official site. We do not earn a referral fee from these links. NotchUp is a related business. Our ownership disclosure.
Products with unconfirmed availability stay visible and are labelled below.
Standard delivery has no mandatory borrowing fee. Express delivery and tips are optional.
Check before applyingNew applications are excluded in Quebec, Saskatchewan, Nova Scotia and New Brunswick according to the current website.
published exclusions
Cover helps pay eligible transactions when your Spendable balance reaches zero.
Check before applyingCover cannot be sent by e-Transfer. The exact bundle fee is shown in the app; a starting price is not a quote for your amount.
Confirm availability with provider
NotchUp advertises a $5 payroll-connected advance and a separate variable-fee route.
Check before applyingLimits and pricing are conditional. Public descriptions differ, so use your actual quote before comparing a total.
Confirm current provincial eligibility
Nyble offers a credit-building line, subject to identity verification and underwriting.
Check before applyingFeatures vary by province. Confirm withdrawal access and delivery. The public agreement separately lists a $15 dishonoured-payment fee.
Features vary; confirm in your province
No providers match this filter.
The fee table includes all four providers. The province filter above applies to the provider cards.
CAD examples assuming approval and full, on-time repayment. Optional memberships are separate from the principal; delivery and account restrictions still apply. This table does not rank products or establish that every product can deliver spendable cash.
| Product / route | Cost above principal | Total for $100 | Total for $250 |
|---|---|---|---|
| Bree standard, no tip or subscription | $0 | $100 | $250 |
| KOHO Cover, one monthly billing period | Your full required monthly fee M | $100 + M | $250 + M |
| Nyble Basic line, no failed debit | $0 under published line terms; confirm withdrawal access | $100 | $250 |
| Nyble line + one optional membership month | $11.99 before any applicable tax | $111.99 before any applicable tax | $261.99 before any applicable tax |
| NotchUp, only if your agreement confirms the $5-only route | $5, conditional | $105, conditional | $255, conditional |
NotchUp is a related business. Its other pricing routes remain quote-dependent. Bree express pricing is also quote-dependent. KOHO’s $2 starting bundle price is not used as a quote for either amount. These examples exclude failed-payment charges, optional tips and unselected extras; read the review for exceptions and sources.
Sources checked November 7, 2026. Providers appear alphabetically. Download the catalogue data.