We are a Canadian consumer watchdog initiative investigating the "Bree" (TryBree) cash advance app. Evidence suggests their mandatory tips, progressive express fees, and uncancelable monthly subscriptions may violate Canadian Criminal Interest Rate laws. Stop paying for a service you can't use.
Secure Your Spot in the Registry NowBree heavily markets its service as a "0% interest" cash advance. However, Canadian law requires that all mandatory costs to obtain credit (including subscriptions, express fees, and forced tips) be calculated as interest.
Because Bree strictly ties your repayment to your next paycheque, it operates exactly like a Payday Loan. Let's break down the true cost if you borrow $55 and are forced to pay $14.24 in combined "Fast Funds" fees and "Tips," plus the $2.99 monthly membership (approx. $36/year).
If you repay the loan on your next bi-weekly paycheque:
| Item | Value |
|---|---|
| Prorated Membership Fee | $1.38 per cycle ($36 / 26.07 pay periods) |
| Express Fee & Tip | $14.24 |
| Total Cost to Borrow $55 | $15.62 |
| Interest Rate per 14 Days | 28.40% ($15.62 / $55) |
| True Annual Percentage Rate (APR) | 740% |
If you get paid weekly, the loan duration is shorter, making the annualized rate even more predatory:
| Item | Value |
|---|---|
| Prorated Membership Fee | $0.69 per cycle ($36 / 52.14 pay periods) |
| Express Fee & Tip | $14.24 |
| Total Cost to Borrow $55 | $14.93 |
| Interest Rate per 7 Days | 27.14% ($14.93 / $55) |
| True Annual Percentage Rate (APR) | 1,415% |
The Legal Limit in Canada is 35%. Under the Canadian Criminal Code, charging an effective APR above 35% is a criminal offense. Disguising these exorbitant costs as "optional tips" and "subscriptions" does not make them legal.
We are aggregating reports from across the country. Here is what other Bree users are saying:
"I signed up because of the $750 ad. They made me link my bank account and pay a $2.99 monthly fee, but I was immediately declined for any cash advance. I've been trying to cancel the membership for months, but customer service ignores me and there is no option to delete my banking info in the app."— Anonymous User, Ontario
"Bree attempted to pull the repayment from my checking account three days before my actual payday. When it failed, they tried again two more times on the same day. My bank charged me $45 in NSF fees for every single attempt. It cost me over $130 in bank penalties."— Anonymous User, Alberta
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