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Cash Crunch Micro Loans

When times are tough, a high interest payday loan shouldn’t be your only option.

The Cash Crunch Loan® is a loan for people facing unexpected budgeting challenges, where their expense and income timing is misaligned.


We are proud to have been the first in Alberta to introduce a fair and responsible small-loan alternative, available now at all branches. Get back on track and back to your life.


?Did You Know

Payday loans can be an extremely expensive way to borrow money, but other debts can cause you worry too. Check out our top 10 tips to get out of the debt deep end.


Find Out More


Loan Details

Use this loan to pay off an existing payday loan, or to avoid taking one out.

  • Amount: $500 - $2500
  • Term: 6–18 months (monthly repayments; no penalty for early pay outs)
  • Interest Rate: 19% Annual Percentage Rate

Qualification Criteria

To be eligible for this loan you must be:

  • A member for at least 3 months
  • 18+ years old
  • Have a regular source of income to make regular loan payments

Important Eligibility Details

You may not be eligible for this loan if you are dealing with any of the items listed below:

  • You have an outstanding judgement(s)
  • You are enrolled in a Debt Repayment Plan, including the Orderly Payment of Debt (OPD) program
  • You have an Undischarged Bankruptcy or are under a Consumer Proposal

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