Online Payday Loans for Bad Credit

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Fast Payday Loans for Bad Credit

Your Bad Credit is NOT a Disqualifier for a Loan from iCASH

iCASH understands that everybody has hardships in their life, including financial hardships. We don’t believe a lower credit score, or bad credit rating should be held against you. Everyone has short-term financial needs, and at iCASH, we provide loans to people with bad credit. Our concern is not your credit report, but your ability to repay the loan. If you have the financial means and income to qualify, then there’s no reason that your bad credit score should hold you back from getting short-term payday loans.

Your personal credit score is only one of many data points that our artificial intelligence algorithms when you apply for a short-term loan online with iCASH. Based on all of this data, a decision is made, along with a specific loan amount.

If you’ve been turned down by other lenders because of your credit history, don’t give up! Fill out a short-term loan application with iCASH, and you may still be able to get a loan, despite your bad credit. We’re committed to transparency and honesty. Our goal is to help you improve your financial situation, not make things worse.



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!

Get up to $1,500!

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Sign up with our free app and access your account anywhere.

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How to Get a $1,500 Cash Loan with Bad Credit

How it works

Fill Out the Application

Use our online loan application to select your amount, multiple repayment options, and your basic personal information. It takes less than 10 minutes in most cases.

Get Approved

iCASH utilizes artificial intelligence to provide you with an instant approval on your short-term loan. Once approved, sign your loan agreement electronically, and get your money fast.

Get Money

We’ll send your money fast 24/7 via e-transfer in 5 minutes‎‎ or less, so regardless of the time of day, you can get a payday loan with bad credit at iCASH.

150 000 +
customers since 2014
of approved applications
4.9 out of 5
customers would recommend us to their friends

Customer Rating
iCASH logo Traditional Payday Lenders Lenders with brokerage fee
Flexible repayment plans      
Offers cashback program for more savings      
Free membership benefits      
No hidden charges   
E-transfer in the next 5 minutes      
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What Can You Do with a Short-Term Loan from iCASH?

Manage Cash Flow

If you’re living paycheck-to-paycheck, it can be hard to always line up the timing of your paycheck with your bills. Late fees, service interruptions, and other problems can all be the result of this timing issue. With a short-term flexible loan from iCASH, you can pay your bills on time, manage your cash flows, pay back your loan as scheduled.

Pay for Auto Repairs

Cars always seem to break down at the worst possible time, don’t they? Most of us need our car to run errands, get to work, shuttle the kids around, and so on. We can’t afford to wait for days or weeks until we have enough money to get our car fully repaired, especially in the cold Canadian winters. For sudden, unplanned auto repairs, especially when you have a bad credit history, there can be very few options. With a short-term loan from iCASH, you can pay your auto repair bills, and get back on the road ASAP.

Pay for Home Improvements

Planned home improvements can often put a strain on your bank account and budget. Even if you’ve been saving up responsibly for a while, costs can change through the course of a project, and you might need some extra help. Installment loans for bad credit in Canada from iCASH can provide that extra boost you need to finish up that home improvement project. This is especially important in some of the more northern regions of Canada, where you have a limited time frame to complete projects that otherwise expose parts of your home to the elements – before the rough winters set in.

Replace Broken Appliances

Like cars, appliances seem to break down at the worst times. And they need to be replaced as repairs typically can cost more than a new replacement appliance unit.
If you have an unexpected expense to repair or replace a broken appliance, a short-term payday loan may be the perfect solution. At iCASH, we understand life and we can help you get a loan with bad credit.

Deal with Family Emergencies

When family emergencies strike, especially with extended family who live far away, costs can quickly spiral out of control. Between airfare, lodging, lost wages, etc., unexpected expenses can be financially devastating, and emotionally challenging as well. We know that when those unexpected emergencies happen, you need to be focused on your family, your health, and your loved one’s health and welfare. The last thing you need to be worried about is your finances. A short-term loan from iCASH can be just what you need to cover these unforeseen costs and focus on helping out your family as they go through a difficult time.

What does it mean that iCASH is a licensed direct lender?

iCASH is a fully certified and licensed direct lender. This means that we are regulated by both the federal Canadian government, as well as the provincial authorities in every province in which we operate. Most other online lenders can’t say this. What this means for consumers is that they can rest assured they are getting the best quality service, benefitting from the robust financial and regulatory oversights. It also speaks to the measure of trustworthiness, ethical and responsible lending practices, and the commitment to our customers that iCASH places at the forefront of everything we do.

How do I repay my short-term loan?

Repaying your short-term loan is simple! The bank account into which your loan funds are deposited will be debited for the repayment amounts, based upon your repayment plan, date, and other options, as specified in your loan application. You don’t need to make a check out to iCASH, pay via credit card, or anything like that. It can all be taken care of automatically. Of course, alternative payment arrangements are sometimes required, and if necessary, you should talk to one of our Customer Service Agents, who are available during normal business hours, 7 days a week.

Can I get more than one loan?

Under the lending laws of the provinces that we operate in, we cannot offer you more than one loan at a time.

How does a bad credit score affect my chances to get approved for a loan?

While your credit score history does make up part of the approval process for your loan, it is not the only thing that we consider. A better credit score obviously increases your chances of being approved for the amount you wish to borrow. However, we look at multiple data on your application to determine your qualification and your ability to get a cash advance loan from iCASH.

What if I need help with the application process?

The application process is fairly simple and straightforward, and usually takes only 5 to 10 minutes for people to complete. However, there may elements which you need clarification on. We offer a robust Payday Loans FAQ section on our website, as well as online self-service support information. If this doesn’t help, you can of course contact one of our Customer Service Agents, 7 days a week, during normal business hours, via the phone, and they will be happy to help you.