Frequently Asked Questions

If you need money quickly, you can get a line of credit of up to $500 at 0% interest! No credit check is required. Tips are optional, but they help us offer our services to other Bree members. So, if Bree helped you out, show your appreciation!

There isn’t one! Need help covering a bill? Bree can spot you up to $500 at a time, delivered into your checking account in just a couple of days or even minutes (for a small fee if you choose our express option).

Getting a line of credit doesn’t impact your credit score and there are no late fees or penalties (we’re friends, remember!).

Need a line of credit to help protect you from potential overdraft fees? Bree can help! First, sign up here. We'll verify that:

1. You have connected your checking account to Bree.
2. You have a consistent income source being deposited into your checking account. Yes, government benefits count!
3. You’ll have enough funds after your next paycheck to pay Bree back.
   

To do this, we look at the last two months of transactions in your checking account to confirm your income.

Next, check that you have your paychecks set up as direct deposits and that your transaction history shows at least two paychecks on consistent dates (ex. getting paid on the 15th and the last day of the month).

Lastly, we want to make sure you’ll be left with sufficient funds after paying Bree back after your next paycheck.

Bree is here to combat overdraft fees, but we also want to make sure that customers never fall into debt as a result of getting a line of credit.

That's why one of the things that Bree checks for is how much money you keep in your account after getting paid. Try and keep a sufficient balance in your account to pay all your bills after paying back your line of credit. This lets Bree system know there's no risk of overdrafting.

If you are eligible, Bree gives you access to a free line of credit of up to $500 to help you cover upcoming expenses. You can request a withdrawal through your dashboard. The withdrawal will only be sent to you if you request one or affirmatively choose to withdraw from your line of credit when offered.

There are no costs for access to our line of credit, and any amount you choose to withdraw is free of charge. However, you may be given the option to expedite the delivery of your withdrawal for a fee. You may also be asked if you would like to provide Bree with a voluntary tip in appreciation of the service. Both the option to expedite delivery and tipping is entirely voluntary and neither affect your eligibility for additional withdrawals in any way. Please refer to Bree’s Terms of Use for additional details, as well as any optional fees for expedited delivery services.

1. Click on the "Join Bree" button in the top right corner of our site
2. Create an account
3. Join Bree and verify your banking details so we have all the information we need from you
4. Confirm your payback date
5. Choose your delivery option (free standard delivery in up to 3 business days or express delivery in less than 5 minutes for a small fee)
6. Submit your application. Once you're approved, we'll send the cash directly to your bank account!

Bree lives off of tips, kind of like a waiter. So, while tipping is optional, it’s greatly appreciated!

Tips allow us to help people without charging the insane interest rates of most banks. Bree charges 0% interest. Compare that to the 3,250% APR your bank charges for overdraft fees!

When applying for your line of credit, you'll see two delivery options:

STANDARD

Free! Standard withdrawals take up to 3 business days (example: a withdrawal requested on Friday arrives the following Wednesday)

EXPRESS

Small Fee and arrives within 5 minutes!

Heads up! Once your withdrawal has been confirmed, we're unable to change your delivery speed.

Standard withdrawals will be delivered into your checking account and Express withdrawals will be delivered to your connected debit card. BAM – money. How easy is that?

Using Bree won't have any impact on your credit score, positive or negative.

We also don't do a credit pull, not even a soft one. The information you provide is only used to verify your identity. So, your credit is completely unaffected.

Need to talk to someone? No worries, we're happy to help! Contact us via email at support@trybree.com and a friend from customer service should get back to you within 24 hours.

Great! That's how we like it. But honestly, there's no catch.

The fact is, people are so tired of being taken advantage of by banks that we're able to support our business almost entirely off of user donations. That's right - tipping Bree allows us to provide 0% interest credit lines to you and the whole Bree community.

Here at Bree, we are so serious about your security that we go above and beyond the standard practices to keep you and your data safe.

• Our access to your accounts is read-only (we cannot overwrite or modify your data) and we use 2048-bit encryption to protect the transmission of your data to our site. Your password, social insurance number, and other sensitive data are all encrypted.
• We do not store your online banking credentials and never will. Your banking credentials are only used once to authenticate and verify that the account you provide belongs to you.
• Our data centre is monitored 24/7 by security personnel. We enlist independent, third-party experts in the field of application security to assess our site for vulnerabilities and confirm and validate the security of our site.
• We use firewalls and undertake other security precautions for extra protection.