Apply for Quick Loans Online

Stay cash comfortable always.
Apply once for ongoing cash when you need it!

Apply Now
Easy online application
Borrow $2,500 to $50,000
5 to 10 year term length
No annual fees
Low-interest rates
Quick approval

Is a Quick Loan right for me?

When opportunities or emergencies come knocking and you need cash to act fast, a ‘Quick Loan’ is the ideal solution. A Quick Loan is a revolving line of credit which means it is open-ended credit that gives you instant access to cash up to your approved credit limit. It’s money whenever you need it.

Your loan balance will fluctuate as you make payments to it, or use funds from it. Your repayments can be based on your total credit limit or on the balance of the credit limit that you’re using. And, you only pay interest on the outstanding balance of the credit you are using.

Benefits and Features


One-time application

A quick loan is a type of revolving credit that you can access without having to complete a new application each time you need funds.


Easy, fast, and convenient

Our online application takes no more than 5-10 minutes of your time. There is minimal paperwork if any, and the loan is disbursed quickly.  The entire process including loan approval and funding is done within a day or two.


Credit value

You can borrow $2,500 to $50,000.

Save money

Interest rates are low and apply only to your outstanding credit balance. If you compare an 8% Quick Loan to a 19.99% credit card rate, you could save over $1,000 on a $10,000 loan. Plus, there is no annual fee!

Flexible repayment

There is no fixed repayment schedule. Payback the amount borrowed whenever you like. 


Help at your fingertips

Reach us via our live chat feature, send us a message online, or call us at 1.866.446.7001. We’re happy to help you!

Additional Benefits

  • Quick Loans serve as an emergency line of credit when life throws you a curveball that calls for fast cash.
  • Quick Loans function well as a small business line of credit that can help you better manage cash flows.
  • You have insurance options for your business quick loan to guarantee life and payment protection in case something unexpected happens. 
  • Quick loans are an unsecured line of credit which means they don’t require collateral. That makes the application process quick and easy with almost no paperwork involved. 
  • You can use quick loans for cars, recreational vehicles, travel, home renovations, emergencies, appliances, furniture, TVs, credit card and investments. 

How to apply for a Quick Loan with Innovation

Connect with us

Submit your loan application and we’ll contact you shortly. You can also connect with our advisors at 1.866.446.7001.

Get the cash you want today!

Complete your online application in minutes. Apply once for ongoing access to cash when you need it!

Eligibility to apply for a Quick Loan

Proof of age

You must be 18 years of age or older

Proof of residence

You must be a Canadian resident

Join the 57,000+ Canadians who love banking with us!

Getting approved for a Quick Loan was such a quick and easy process. It is so convenient to have, to be able to make purchases for our wedding, home, and any other unseen costs that may come up!

Natasha Wasmuth & Jonathan Toews
Cut Knife, SK

The service I received when getting my mortgage was exceptional.
I was able to complete the entire process over the phone and by email from Regina.

Regina, SK

More reasons to bank with us!


Our No-Fee Bank Account has no monthly fees and no minimum balance requirement. So you can save as much as $360/year in bank fees.


You earn cash dividends simply by doing your everyday banking with us. The more you bank with us, the more you benefit. 


Your business helps us support your community in the form of scholarships, sponsorships and grants. We allocate 2% to 4% of pre-tax profits every year to our communities.


  1. Log in to online banking or your Innovation app
  2. Select Transfer
  3. Choose Quick Link (not Quick Loan) from the Transfer From Account option. It will indicate a $0 balance but that’s ok.
  4. Transfer to the account you want the money to go into (e.g. your No-Fee Bank Account)
  5. Enter the amount you want to transfer (within your approved loan limit). You don’t have to select your entire loan amount, just what you need.
  6. Continue and confirm!

Note: The Quick Link will show the amount you disbursed (e.g. -$5,000) and will reset to $0 at midnight. The amount disbursed will be applied to your loan balance.

  1. Log in to online banking or your Innovation app
  2. Select Transfer
  3. Choose the account you’d like to make your loan payment from (e.g. your No-Fee Bank Account) from the Transfer From Account option.
  4. Select the Principle Only Payment
    Note: if you’re paying your entire Quick Loan amount, call us to get the correct pay-down amount to cover all outstanding interest
  5. Choose Quick Loan from the Transfer to Account option
  6. Enter the amount you want to pay
  7. Continue and confirm!