The greatest alternative to traditional payday loans
Apply Online
Getting a loan with us is easy and fast, select your loan amount, repayment plan* and provide some personal details.
Instant Decision
Our fully automated online application will provide you with an instant decision. Once approved, all you have to do is electronically sign your contract!
Get funds
Once your contract is signed, your funds will be sent by e-transfer in the next 5 minutes! Fast, convenient and hassle-free. Funds are sent 24/7
Minimum repayment period 61 days. Maximum repayment period 62 days. Maximum APR is 109,50%. For a $300 loan, the maximum total cost of borrowing is of $354. Interest fees: Alberta $15 per 100, British Columbia $15 per 100, Manitoba $17 per 100, New Brunswick $15 per 100, Nova Scotia $19 per 100, Ontario $15 per 100, PEI $15 per 100. 372 Bertha Street, Hawkesbury, Ontario, K6A 2A8. iCASH only offers online services. Please note that we cannot accept customers or conduct any transactions from this location.
20%CASHBACK
Borrow and Save! Get up to 20% in Cashback!*
iCASH offers a unique Cashback program to reward its customers. You can get back up to 20% of the cost of borrowing paid once your loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real Money!*
Why iCASH
Get an easy, safe and fast loan
No Wait
Complete the secure online loan application in minutes. No documents are required. Be instantly approved and receive an e-transfer within 5 minutes after electronically signing your contract. Even on weekend and Holidays!
No Paperwork
Apply from the comfort of your home - no more faxing documents or waiting in line. Our payday loans are flexible and convenient
Get Approved
Simply fill an easy online application and you can be instantly approved for your cash. Get the repayment schedule* that suits your needs.
Grace Period
We will add a 5 days grace period before starting to repay your loan on your next payday. This means you will have an extra 5 days to pay us back with no extra fee.
100% Compliant
As licensed lenders, we are fully compliant with provincial laws and regulations, and our transparent lending process means no hidden fees and no surprises.
Flexpay Repayment
We give you the option to repay your loan in one or multiple payments* while paying the same interest fee!
Whether you need to get a cash loan for car repair, doctors' bills, or tuition fees, everyone needs a little help from time to time. A quick loan from iCASH gives you easy access to the funds you need.
We want to make online loans as hassle-free as possible. Check out our Education Center to get all the details you need, from budgeting tips to financial term definitions. If you are having a hard time figuring out how much money you need, try using our simple budget loan calculator !
To learn more about how we differenciate ourselves from other lenders, go see our comparison chart.
+ 300 000 customers since 2014
93% of approved applications
4.9out of5 customers would recommend us to their friends
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
Maximum Allowable Cost per $100 Borrowed:
$15.00
Our cost per $100 borrowed:
$15
Example: Your $500 loan for 14 days
Amount Advanced $500.00
Total Cost of Borrowing: $75
APR: 391%
Total You Repay: 575$
This poster is required under the Payday Loans Act, 2008
Educational materials related to the Payday Loan industry are available for download. If you wish to obtain copies of educational material approved by the Registrar, Payday Loans Act, 2008 please click here.
We have recently been notified by the Ministry of Government and Consumer Services of Ontario that we can no longer offer loans repayable in 2 and 3 repayments in Ontario.
Based on Ontario's regulations, a payday loan has to be payable in only 1 payment. The only reason you can be offered an extended repayment plan is if you are applying for a 3rd consecutive loan within a 63 day period.
To obtain more information about the legislation, you can contact the Registrar directly at the toll-free number 1-800-889-9768 or by e-mail at [email protected].
Our commitment:
iCASH will put all of our efforts to demonstrate to the Ministry of Ontario that the extended repayment plan should be offered on all Ontario loans, not only if it is the 3rd consecutive loan within a 63 day period.
iCASH will work hard to request a change in the current regulations.
If you wish to help us in our mission, feel free to send us an email at [email protected] with your contact information and a description of why a loan repayable in multiple instalments instead of 1 payment can help you.
We apologize for this unfortunate situation.
Sincerely,
iCASH Team
iCASH is a licensed and direct lender in British Columbia
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 3 repayments are available based on your pay frequency at no extra cost or fees, up to 62 days.Only available at iCASH.
Maximum charges permitted in British Columbia for a payday loan: 15% of the principal.
We charge 15% of the principal.
For a $300 loan for 14 days:
Total cost of borrowing = $45
Annual Percentage Rate = 391.07%
This information meets the requirements of the Business Practices and Consumer Protection Act. License Number: 67639
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 7 repayments are available based on your pay frequency at no extra cost or fees; ranges between 42 to 62 days*
Maximum total cost of borrowing permitted in Alberta for a payday loan: $15 per $100 lent.
We charge $15 per $100 lent.
Payday loans are a form of high-cost credit.
This information meets the requirements of the Consumer Protection Act.
iCASH is a licensed and direct lender in New Brunswick
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 3 repayments are available based on your pay frequency at no extra cost or fees, up to 62 days.Only available at iCASH.
Example: $300 loan for 14 days:
Principal Amount = $300
Total Cost of Credit = $45.00
Annual Percentage Rate (APR) = 391.07%
Total to Repay = $345.00
If you have any questions or concerns about payday loans, cancellation rights or collection practices, contact the Financial and Consumer Services Commission (FCNB) Toll-free at 1-866-933-2222
This information meets the requirements of the Cost of Credit Disclosure and Payday Loans Act
Coût maximum permis par tranche de 100$
15$
Example: prêt de 300$ pour 14 jours
Capital de 300$
Coût total du credit = 45$
Coût annuel en pourcentage (TAP) = 391.07%
Remboursement total = 345$
Pour toute question ou préoccupation au sujet des prêts sur salaire, des droits de résiliation, ou des pratiques de recouvrement, n'hésitez pas à communiquer avec la Commission des services financiers et des services aux consommateurs (FCNB) au numéro sans frais 1-866-933-2222
Cette affiche est conforme aux exigences de la Loi sur la communication du coût du crédit et sur les prêts sur salaire.
Payday Loan (assuming cost of borrowingis $15 per $100**)
Credit Card (assuming a daily interest rate at 23% APR for cash advance)
Once
$45
$2.65
Twice
$90
$5.29
Four times
$180
$10.59
Six times
$270
$15.88
*This example shows what borrowing multiple loans would cost. You cannot hold more than one payday loan at a time. You cannot pay off a payday loan with another payday loan.
**In New Brunswick, the maximum total cost of credit allowed is $15 per $100 advanced under a payday loan
Combien vous coûtera un emprunt de 300$ pour deux semaines?
Si vous empruntez 300$*:
Prêt sur salaire (En supposant un coût d'emprunt de 15$ par tranche de 100$**)
Carte de crédit (En supposantun taux d'intérêt quatidien calculé salon un TAP de 23% pour une avances de fonds)
Une fois
45$
2.65$
Deux fois
90$
5.29$
Quatres fois
180$
10.59$
Six fois
270$
15.88$
*Cet exemple montre ce que coûterait l'emprunt de plusieurs prêts. Vous ne pouvez pas détenir plus d'un prêt sur salaire à la fois. Vous ne pouvez pas rembourser un prêt sur salaire avec un autre prêt sur salaire.
**Au Nouveau-Brunswick, le coût total maximal du crédit autorisé est de 15$ par tranche de 100$ en vertu d'un prêt sur salaire.
iCASH is a licensed and direct lender in Nova Scotia
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
Payday Loans are High-Cost Loans
Example: $300.00 loan for 14 days
Principal amount: $300.00
Total Cost of Borrowing: $57.00
Total to Repay: $357.00
Annual Percentage Rate–APR: 495.36%
This information meets the requirements of the Business Practices and Consumer Protection Act. License Number: 192535468
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 3 repayments are available based on your pay frequency at no extra cost or fees, up to 62 days.Only available at iCASH.
Payday Loans are High-Cost Loans
In Manitoba, the maximum allowable charge for a payday loan is 17% of the principal amount of the loan
Sample $300 loan for a 12 days
Total cost of credit = $51.00
The Annual Percentage Rate (APR) = 517.08%
The total that must be repaid is $351.00
This information meets the requirements of The Consumer Protection Act.
Business Licence: #74162
Please note that the Cashback Program is not available to members in Manitoba.
Please note that we are not yet operating in Saskatchewan. We are in the process of obtaining our lending license. If you wish to be contacted when we are up and running, you are welcome to create an account and we will notify you. Thank you.
iCASH is a licensed and direct lender in Prince Edward Island
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 3 repayments are available based on your pay frequency at no extra cost or fees, up to 62 days.Only available at iCASH.
Maximum Allowable Cost per $100 Borrowed: $15.00
Our Cost per $100 Borrowed: $15.00
Example: Your $300 loan for 14 days
Amount Advanced = $300.00
Total Cost of Borrowing = $45.00
Total You Repay: $345.00
This poster is required under the Payday Loans Act, 2008
Please note that we are not yet operating in Newfoundland and Labrador. We are in the process of obtaining our lending license. If you wish to be contacted when we are up and running, you are welcome to create an account and we will notify you. Thank you.
