Step One – Apply Online Today

Complete our online application form in less than 5 minutes. Let us know how much you wish to borrow and how long for and we will search our database of lenders to find the perfect fit for you.

Read more: Manitoba and Winnipeg

Step Two – Get an Instant Loan Offer

We only work with reputable lenders, so we An instant loan offer will appear on screen from the lender who can offer you the most affordable rates in Manitoba. Bad credit is considered too.

Read more: Manitoba and Winnipeg

Step Three – Receive Your Loan

If your loan application is approved, your Manitoba payday loan will be sent to your live checking account within minutes, hours or by the next business day.

Read more: Manitoba and Winnipeg

At Pheabs, we understand that unexpected financial emergencies can arise and so we endeavour to help our customers to get money fast. Whether you need to pay for medical bills, dental fees, pet care or funeral costs, we can help you keep financially afloat until you receive your next paycheck on your upcoming payday.

We work with over 50 reputable lending partners to help match you to a loan best suited to your borrowing requirements. All you have to do is fill in our quick online application form and you can borrow up to $1500 as soon as possible. Better yet, we have access to a variety of financial products including same day loans and bad credit options too.

Yes, it is possible to get a payday loan in Manitoba if you have a bad credit score. At Pheabs, we do not let customer’s financial past get in the way of their borrowing future. We work with lenders who are willing to accommodate borrowers with a variety of financial histories. So even if you have been rejected from a bank due to your credit score, you can still apply for a loan with Pheabs today.

If you cannot repay your loan on time, you could face extra interest and late charges. It is also possible that this will damage your credit score as you will not be perceived as a reliable borrower.

If you think there is a chance you may struggle to meet the repayments, you should get in touch with the lender straight away. They may be able to offer you a more flexible alternative repayment plan or freeze the interest on your loan.

Yes, it is possible to get a loan if you are self employed. If you earn around $800 each month, then you should be eligible to borrow money today. The lender may just request documentations to see proof of your income so that they are confident that you will be able to repay back the loan on time.

Yes, it is possible to get funds on the same day of applying. Pheabs endeavours to find the best payday loans for its customers and to get the money they need into their bank account as fast as possible.

Our online platform is quick and easy to use. After submitting your loan request form, you will receive an instant loan offer and if approved, the funds could be in your live checking account within the same day or by the next business day latest.

Taking the time to travel to a payday loan store, queue and fill out paperwork can be a very lengthy process. With Pheabs, you can use our speedy online platform to find a loan that’s right for you and you don’t even need to leave the house!


To be eligible for Manitoba payday loans, you must:

  • Be a Canadian citizen
  • Be at least 18 years of age
  • Have a valid ID
  • Have a Canadian contact number
  • Earn a regular wage
  • Have a live Canadian bank account

With Pheabs, our online loan platform means that you can borrow money from anywhere in Manitoba. So whether you need payday loans Winnipeg, or anywhere else across the province, we can help you get access to funds today.

We will not let your location stop you from getting the financial assistance that you need! Cities you can get loans in Manitoba include:

  • Dauphin
  • Flin Flon
  • Morden
  • Portage la Prairie
  • Brandon
  • Selkirk
  • Steinbach
  • Thompson
  • Winkler
  • Winnipeg

Are Payday Loans Legal In Manitoba?Yes
Maximum Loan Amount$1,500 or up to 30% of your net pay
Minimum Loan Amount$100
Maximum Loan Term62 days
What Is The Maximum Cost Of Borrowing In Manitoba For A $100 Payday Loan?$17
What Is The Cooling Off Period To Cancel A Manitoba Payday Loan?48 hours, excluding Sundays and holidays

Before borrowing a payday loan, make sure you will be be able to repay it back. See below for an example cost of payday loans in Manitoba:

If you borrow $500 for 14 days in Manitoba, the total loan repayment would be $575 based on an APR of 443%.

What Are The Benefits Of Payday Loans In Unexpected Situations?

Can I Get A Payday Loan If I Have A Low Income?

Can I Cancel My Payday Loan?

Yes, it is possible to get no credit check loans in Winnipeg and across the whole of the Manitoba province. We work with a range of lenders who will consider applicants with a variety of credit histories. 

So even if you have no credit at all, as long as you meet other key requirements such as having a regular income, then you should be able to borrow money today. There are also other products that could be offered to you, including using collateral such as your car or home to secure the loan. Just note that a credit check will most likely be carried out in order to confirm your eligibility for a loan.

Is Pheabs A Direct Lender?

No, Pheabs is not a direct lender. We are a broker who connects our customers with a reputable lender who can offer them the most affordable loan at the most competitive rate. Applicants information is completely secure during this process and is not shared with any third parties.

How Much Money Can I Borrow In Manitoba?

You can borrow up to 30% of your net pay or up to $1500 maximum in Manitoba. This is based on payday lending rules that have been introduced by the Canadian government.

Is Pheabs A Direct Lender?

No, Pheabs is not a direct lender, we work with over 50 lenders as an introducer and our technology can match your loan requirements with the best lender for you. We simply receive a small commission from the lender if your application is successful.

Does Pheabs Charge A Fee?

No, Pheabs does not charge a fee for our online loans connection service. We may just receive a small commission from the lender if your loan goes through.

How Quickly Can I Get A Payday Loan?

Pheabs can offer a payday loan on the same day of applying, with the total amount in one lump sum. Our quick and easy to complete online application form can be submitted in less than 5 minutes, after which you will receive an instant loan offer. If approved, your Manitoba payday loan can be sent to your bank account within a couple of minutes, hours or by the next working day.

To help maximise the chances of securing funds ASAP, we recommend applying during typical working hours of 9am to 5pm. You should also be contactable at all times incase the lender wants to get in touch with any follow up questions.