Fastest & Fairest e‑Transfer Online Short Term Loans in Canada

Take care of whatever expenses life throws at you. Get approved instantly for up to $1,500, 24/7, from across Canada. E-Transfers are sent within minutes of signing up.


Customize your instant loan









Apply online or download our app to get started.

Download iCash on the App Store.

The easiest way to borrow money online

Take control of your finances. Get an online loan from across Canada in minutes.

Instant Online Payday Loans

Borrow up to $1,500

Instant automated approval

E-Transfer in 2 minutes

Repay in 1-3 instalments*

Funds sent 24/7

Apply online or download our app

Easy approval

Earn cashback* and redeem extra money

iCash is a member of the Canadian Consumer Finance Association.
iCash uses TransUnion technology to improve our lending solutions.
iCash uses Interac e-Transfer to send loans to our customers.
iCash uses Equifax technology to improve our lending solutions.
iCash is owned by women and promotes diversity, equity, and inclusion.

Find out what our customers think about our instant loans!

Our customers are our number one priority. With thousands of positive reviews, iCash has achieved an impressive 4.9 out of 5 rating for online loans in Canada. See what our happy customers are saying about their iCash experience.

Since 2016 we have happily served over half a million customers. Read more reviews.

Get a loan online in 3 easy steps


Apply Online

Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.

Sign up and apply online or on our app.

Instant decision

Our online loan application will tell you instantly if you've been approved. Once approved, electronically sign your loan agreement and you're all set! It's that easy!

Get a decision instantly after completing our paperless loan application.

Get funds

After signing your digital agreement, your funds will be sent by e-Transfer within 2 minutes, 24/7. Our loans are fast, convenient, and hassle-free.

Receive your money by e-Transfer within minutes of signing your agreement.

Behind each review is an experience that matters

Since 2016 we have happily served over half a million customers.

Read more reviews.

Why Canadians choose iCash loans

iCash offers easy, fast, and secure online loans in Canada, 24 hours a day and 7 days a week. There's never been a more convenient way to access cash when you need it most.

Fast online application

The days of waiting in line at a physical lender or bank for a cash advance are gone. We offer a simple, easy-to-use online application that you can access 24/7 from the comfort of your own home. All you need is a laptop, smartphone, or tablet, and an internet connection.

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No documents required

Our online loan application is streamlined. We have all the tools to automatically evaluate your application without asking for any documents. No need to fax long forms or print out bank statements. Everything is paperless!

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No hidden fees

We are committed to responsible and transparent lending, which is why we make sure all the interest and fees involved in your short-term loan are displayed in a clear and understandable manner. This gives you the ability to make an informed decision about your loan.

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Instant decision, 24/7

Our approval process is automated. You’ll know right away if you’re approved. This means that you can get the money you need instantly, without having to wait hours or days. We take care of everything for you, so that you can focus on what’s important.

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E-Transfer in 2 minutes, 24/7

Once approved, your cash advance will be sent directly to you by e-Transfer within 2 minutes, no matter the time of day. By getting the money you need right away, you’ll be able to better deal with whatever financial emergency you’re facing.

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Up to 20% cashback*

Our customers have the opportunity to earn a percentage back on the cost of borrowing of every fully repaid loan. It’s just one of the benefits to choosing iCash for your personal loans.

Why iCash image

We help our members
get their finances
back on track

$200 Million
saved by iCash customers since 2016
positive reviews
given in Cashback
2.2 Million
online loans issued since 2016
downloads of the iCash App

Why do 950k members love iCash?

iCash uses 256-bit SSL encryption technology to keep your data secure.

Secure service and data protection

We use the same encryption system as banks and we do not sell any of your personal information to third parties.

iCash support is available 24/7 to assist you.

Help when you need it

Need help with your online loan? Get in touch with our support team via phone or sms.

iCash customers can earn cashback* when they repay their loans and refer friends*.

Complimentary member benefits

iCash members get benefits like cashback* and financial advice.

Get an instant loan today

Whether you need to get a cash loan for car repairs, medical bills, or groceries, you can trust iCash for a fast, easy, and secure experience. Instant online loans from iCash give you quick access to the funds you need in minutes.

We want to make the process of obtaining an online loan as effortless as possible. Check out our Personal Finance Hub to access free resources about budgeting.

To learn more about how we differentiate ourselves from other lenders in Canada, check out our comparison chart.

Frequently asked questions

Can I get an instant loan in Canada?
Absolutely! At iCash, we offer instant loans in Canada that can be obtained entirely online so you can get the cash you need, whenever you need it. You can get funded within minutes, 24/7, from the comfort of your home or on the go.
We offer quick and reliable service with no hidden fees, so you can rest assured that you're getting the best loan possible. It only takes a few minutes to apply for our online loans so you can easily go on with the rest of your day!
What is the easiest online loan to get in Canada?
The easiest online loan to get is from iCash. As a trusted Canadian lender for short-term loans, you'll be confident knowing that our instant loans are completely safe and easy to access.
You can still apply and get approved for an iCash loan even if you don’t have the best financial history. We love to go the extra mile to help Canadians of all financial backgrounds get access to fast and easy cash whenever they need it.
How can I get an online loan immediately?
The best way to get an online loan immediately is by using a trusted and reputable lender that operates 24/7. At iCash, our fast and convenient online loans can be funded in as little as 2 minutes. Plus, we’re always open - even on weekends and holidays!
Can I get a loan using an app?
The iCash mobile loan app allows you to apply for, and receive e-Transfer loans in Canada in as little as 2 minutes. Your money will be transferred directly to you via e-Transfer as soon as you are approved and sign your agreement.
With our app, you can repay your loan in a way that works best for you, as well as get exclusive details on special offers and member benefits*
What are the requirements to get an instant loan?
There are minimal requirements to meet when getting an instant loan with iCash. We believe that everyone should have access to a cash advance when they need it. Everyone's financial situation is different, and we understand that. That's why we accept all forms of income, including government benefits and social assistance programs.
To be eligible for an online loan with iCash, you need to meet the following criteria:
  • Be at least 18 years old (19 years old for applicants in British Columbia, New Brunswick, and Nova Scotia)
  • Be a resident of any of the provinces in which we operate.
  • Show that you have been receiving the same source of income for the past three months.
  • Have a total net income of at least $800/month.
  • Have access to an online bank account.
  • Have a valid mobile phone number, address, and email address (VoIP numbers are not accepted).

If you meet these requirements, you can apply for an iCash instant loan online and get funded within minutes. You can also contact our customer service staff to answer any questions you may have about our loans or the application process.
Which payday loan gives the most money?
At iCash, we offer payday loans online of up to $1,500. This is the maximum amount you can receive because we follow short-term loan regulations in Canada, which are meant to be repaid within a few weeks.
We understand that everyone's financial needs are different, which is why we offer flexible repayment options and payment schedules*. You can also choose to repay your loan early without any penalties.
You may find an alternate lender who approves you for a higher amount, but you should research the lender carefully to ensure they have your best interests at heart. Many lenders will try to take advantage of you by offering high interest rates and hidden fees on personal loans.
At iCash, we pride ourselves on being a responsible lender and always putting our customers first. We’ll also only approve you for a loan that you can comfortably afford to repay.
We want to help you rebuild your credit and get back to financial freedom faster!
What credit score do you need for a payday loan?
You may think you need a high credit score to get approved for a payday loan, but this isn't always the case. iCash doesn't see a bad credit score as a deterrent when approving you for a loan!
We understand that people's financial situations can change and sometimes unfortunate situations happen to good people. That's why we focus on your current ability to repay the loan, rather than your past credit history. We offer bad credit loans to those in difficult financial situations to help them get back on their feet.
How many payday loans can you have at once?
In Canada, you can only have one payday loan at a time. All reputable lenders, like iCash, must follow these regulations, as it ensures that borrowers can repay their personal loans without getting into further financial difficulty.
If you're approved for an online payday loan by a lender despite already having an existing one open, this should be concerning. The lender may be trying to take advantage of you and your financial situation.
Be sure to do your research on any lender before applying for a loan, to make sure they are reputable and are following all regulations for Canadian loans set out by the province in which they operate.

Have more questions? Check out our full FAQ.