Get up to $1,500!
Try our mobile application!
Sign up with our free mobile loan app and access your account anywhere, 24/7.
The greatest alternative to traditional payday loans
Apply Online
Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.
Instant Loan Decision
Our fully automated online loan application will give you an instant decision. Once approved, all you have to do is electronically sign your contract. It’s that easy!
Get funds
Once your contract is signed and submitted, your cash advance will be sent by e-Transfer within 2 minutes. Fast, convenient and hassle-free. Funds are sent 24/7, no matter what.
Maximum repayment period 62 days. APR is 109.50%. For a $300 loan of 14 days, the total payback amount is $345. Interest fees: Alberta $15 per 100, British Columbia $15 per 100, Manitoba $17 per 100, New Brunswick $15 per 100, Nova Scotia $17 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!*
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 a fast, easy, and safe loan online.
No
Wait
Complete the secure online loan application in minutes. No documents are required. Be instantly approved and receive an e-transfer within 2 minutes after signing your contract. We’re even open on weekends and holidays!
No
Paperwork
Apply from the comfort of your home - no more faxing documents or waiting in line. Our payday loans are flexible, convenient and completely paperless.
Grace
Period
We will add a 5 day grace period before starting to repay your loan on your next payday. This means you will have an extra 5 days to pay back your loan with no extra fees.
NO CREDIT
SCORE REFUSED
Having poor credit shouldn’t hold you back from borrowing the money you need. At iCASH, we look at your payday loan application from a broad perspective and focus on the present, not on your credit history. Our bad credit loans allow you to borrow up to $1,500.
100%
Compliant
As a licensed provider of Canadian loans, we are fully compliant with provincial laws and regulations, and our transparent lending process means no hidden fees or surprises on our payday loans in Canada.
Flexpay
Repayment
We give you the option to repay your loan in multiple installments* while paying the same interest fee. It’s another way we make sure you’re comfortable with your loan.
FAST ONLINE PAYDAY LOANS IN CANADA
Whether you need to get a cash loan for car repairs, medical bills, or groceries, everyone needs a little help from time to time. Instant online loans from iCASH gives you easy access to the funds you need.
We want to make the process of obtaining an online loan as seamless as possible. Check out our Personal Finance Hub to get all the details you need, from budgeting tips to financial term definitions.
To learn more about how we differentiate ourselves from other lenders in Canada, view our comparison chart here.
Refer a friend we'll give you both $20 in Cashback.
Know someone who could use some extra cash? Well, good news! When you refer a friend to iCASH, you can both earn $20 in Cashback. Learn about our exclusive referral program and all the ways you can earn.
Invite friends & earn
+ 500 000
customers since 2014
customers since 2014
93%
of approved applications
of approved applications
4.9out of5
customers would recommend us to their friends
customers would recommend us to their friends
Customer Rating
Frequently asked questions
Can I get a payday loan in Canada?
Absolutely! At iCASH, we offer payday loans that can be obtained entirely online so you can get the cash you need, whenever you need it. Whether you're out-of-town or stuck at home with a sick child, you can get funded within minutes.
We offer quick and reliable service with no hidden fees, so you can rest assured knowing that you're getting the best possible deal. It only takes a few minutes to apply for our online loans. That way, you can easily go on with the rest of your day.
We offer quick and reliable service with no hidden fees, so you can rest assured knowing that you're getting the best possible deal. It only takes a few minutes to apply for our online loans. That way, you can easily go on with the rest of your day.
What is the easiest payday loan to get online in Canada?
The easiest payday loan to get online is from iCASH. As a trusted Canadian lender, you'll be confident knowing that our payday loans are completely safe and easy to access. Even if you don't have the best financial history or make traditional employment income, you can still apply and get funded with us. It's just one way we 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 a loan immediately online?
The best way to get a loan immediately online is by using a trusted and reputable lender who operates 24/7. At iCASH, we offer fast and convenient online payday loans that can be funded in as little as 2 minutes. Plus, we’re always open - even on weekends and holidays. Rest assured, you can apply for our loans at any time of the day. Whether you need money in the middle of the night or while you’re away on vacation, you can still get funded with us.
What app can I borrow money from immediately?
The iCASH mobile loans app allows you to apply for and receive a payday loan in as little as 2 minutes. Once you're approved, the money will be sent directly to you via e-Transfer, so that you can access it immediately and use it for whatever you need. 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 rewards.
What are the requirements to get an online payday loan?
There are minimal requirements to meet when getting an online payday loan with iCASH. We believe that everyone should have access to cash when they need it. We also understand that financial situations vary from person to person, and that not everyone has the same income sources. That's why we accept all forms of income, including income from government benefits and social assistance programs.
To be eligible for an online loan with iCASH, you must meet the following criteria:
• Be at least 19 years of age.
• Be a resident in any of the provinces we operate in.
• Show that you have been working with the same employer for the past three months.
• Have a net income of at least $800/month.
• Have access to Interac e-Transfer and an online bank account.
If you meet these requirements, you can apply for our fast payday loans 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.
To be eligible for an online loan with iCASH, you must meet the following criteria:
• Be at least 19 years of age.
• Be a resident in any of the provinces we operate in.
• Show that you have been working with the same employer for the past three months.
• Have a net income of at least $800/month.
• Have access to Interac e-Transfer and an online bank account.
If you meet these requirements, you can apply for our fast payday loans 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 of up to $1,500. This is the maximum amount you can receive because our loans are considered short term and meant to be repaid within a few weeks.
We do 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.
Although you may find an alternate lender who approves you for a larger amount, it's important to do your research to make sure the lender has your best financial interest at heart. There are many lenders out there who will try to take advantage of you by offering loans with high interest rates and hidden fees.
At iCASH, we pride ourselves on being a responsible lender and always putting our customers first. We also only approve you for a loan that you can comfortably afford to repay. We want to help you successfully rebuild your credit and get back to financial freedom faster.
We do 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.
Although you may find an alternate lender who approves you for a larger amount, it's important to do your research to make sure the lender has your best financial interest at heart. There are many lenders out there who will try to take advantage of you by offering loans with high interest rates and hidden fees.
At iCASH, we pride ourselves on being a responsible lender and always putting our customers first. We also only approve you for a loan that you can comfortably afford to repay. We want to help you successfully rebuild your credit and get back to financial freedom faster.
What credit score do you need for a payday loan?
Although you may think you need a high credit score to get approved for a payday loan, this isn't always the case. For example, iCASH doesn't see a low credit score as a deterrent to approving you for a loan. We understand that people's financial situations can change and that sometimes, unfortunate situations can happen to good people. That's why we focus on your current ability to repay the loan, rather than your past credit history.
Do payday loans affect your credit?
A payday loan will not affect your credit score, provided you are making your payments on time and in full. This is largely because payday lenders are not required to report to the credit bureaus due to the short duration of the loan.
In fact, getting a payday loan can help improve your credit score in the long run. Repaying a loan on time and in full shows potential lenders that you're a responsible borrower and that you're capable of managing your finances. This can help you get approved for other types of loans in the future, such as a mortgage or auto loan.
If you do not repay your loan on time, however, this will reflect negatively on your credit report. When you fail to make a payment, the lender will report this to the credit bureaus and your score will drop.
If you are struggling to repay your loan, contact your lender right away. There may be options available to help you, such as an extension on your repayment period. While options may vary, it’s important to inquire about them.
In fact, getting a payday loan can help improve your credit score in the long run. Repaying a loan on time and in full shows potential lenders that you're a responsible borrower and that you're capable of managing your finances. This can help you get approved for other types of loans in the future, such as a mortgage or auto loan.
If you do not repay your loan on time, however, this will reflect negatively on your credit report. When you fail to make a payment, the lender will report this to the credit bureaus and your score will drop.
If you are struggling to repay your loan, contact your lender right away. There may be options available to help you, such as an extension on your repayment period. While options may vary, it’s important to inquire about them.
How many payday loans can you have at once?
More than one payday loan cannot be applied for at once. All reputable lenders, like iCASH, will follow these regulations, as it ensures that borrowers can repay their loans without getting into further financial difficulty.
If you're approved for a 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 set out by the province in which they operate.
If you're approved for a 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 set out by the province in which they operate.
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Traditional Payday Lenders | Lenders with brokerage fee | |
|---|---|---|---|
| Licensed | |||
| Flexible repayment plans* | |||
| Offers cashback program for more savings* | |||
| Paperless | |||
| Free membership benefits | |||
| No hidden charges | |||
| E-transfer in the next 5 minutes | |||
| Get a loan now |
