NEO ADVANCE

GET UP TO $300 WITH 0% INTEREST

No hard credit checks. Subscribe to a Build membership to get started.

Try Neo Advance
Woman loading grocery bags into a car, with a Neo Advance balance of $74.38 overlaid on the image.

Instant access to advance funds when you need them most

0% Interest

Instant access to cash

No hard credit check

No deposit required

UP AND RUNNING IN MINUTES

  1. 01

    Sign up for a Neo profile

    It’s free and only takes a few minutes to set up.

  2. 02

    Open Neo Advance with a Neo Chequing account

    Add a Build membership for $9.99/month. Cancel anytime.


    See what else is included.

  3. 03

    Access up to $300 instantly

    Spend with your Neo Money™ card, pay an expense, or withdraw cash at any ATM.

  4. 04

    Repay → build credit history

    Every on-time repayment reported positively to Equifax & TransUnion®.

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Try Neo Advance

THE ONLY CASH ADVANCE THAT MOVES YOU FORWARD

See how every move with Neo stacks up.

NEO ADVANCE

MOST CASH LENDERS

Interest charged

0%

21%*

Recognized by TransUnion and Equifax

Builds credit history

Can help unlock more credit opportunities

WHAT IS A BUILD MEMBERSHIP?

Neo Advance lives inside your Build membership. It’s what gives you instant access to up to $300 with no interest when you need it, along with credit tools that keep working every time you do.

Up to $300 cash advance

No interest. Available instantly.

Credit score monitoring¹

Track how every healthy financial decision makes a difference.

Build your credit history with Neo Advance

Every on-time repayment reports to the credit bureaus.

Credit builder² tool

Insights and next steps to build credit smarter.

ATM fee reimbursement³

Use Neo Money™ card anywhere.

Free everyday transactions

Take your daily spends further.

All this for $9.99 a month

Less than $0.34/day. Cancel anytime.

Try Neo Advance

YOUR LIMIT MOVES AS YOU DO

Every action tells Neo’s system something about your financial habits. The stronger the signal, the higher your limit.

Link your existing external account

Contributes towards limit increases

Set up payroll or recurring deposits

Contributes towards limit increases

Make on-time repayments to earn

Contributes towards limit increases

Subscribe to Grow membership

Contributes towards limit increases

BUILT FOR CANADIANS. TRUSTED BY 1M+.

  • CDIC

    Backed next-gen security

  • #1

    Deloitte Fast 50 2023–2025

  • 4.8 ★★★★★

    +10,000 App ratings

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HAVE A QUESTION?

Here’s some common questions about Neo Advance.