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Bad Credit Loans in BC

Bad credit loans in BC, as their name implies, are designed to provide access to quick cash, even for those customers who may have poor credit, a limited credit history, or no credit history at all.

Credit scores are a critical part of a person’s financial life today. They can govern everything from whether or not a person can buy a home or car, have a credit card, get affordable rates on personal or business borrowing, and much more.

Their outsize role has only grown in recent years, to serve as a shorthand for borrower risk – often to the exclusion of other factors. What all of this means is that many people have been shut out, often unfairly, from accessing credit and loans from traditional lenders.

That’s why more and more people are turning to online lenders that offer bad credit loans in Canada with instant approval.

Usually, those individuals would be out of luck with traditional lenders and types of loans. Many banks, for instance, only accept borrowers with excellent credit scores.

By contrast, these loans for bad credit in BC accept a much more extensive range of the credit score spectrum, as they often have no credit score requirement at all to qualify.

Loans for poor credit in British Columbia work just the same as any other legit short term loan. They provide cash proceed (up to $1,500) to customers, who can then use the funds as they see fit. After a period, the loan must be repaid, with interest.

The key differences, and therefore, many of the advantages that these easy loans offer, stem from the qualification criteria and requirements related to credit score.

Most commonly, customers seeking bad credit loans in British Columbia use their loan funds to pay for emergency or urgent expenses or to help make ends meet. Managing cash flow, paying for home or auto repairs, repairing or replacing appliances, emergency travel, and lodging, and similar everyday problems can often be addressed most efficiently with a cash advance loan.

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Bad Credit Payday Loans in BC

The advantages of bad credit payday loans in BC are numerous. First and foremost, these easy loans are often the only kind of credit or financial product that customers with poor credit scores can access.

Bank loans, credit cards, and other forms of financing may be out of the question, solely based on credit score, but that does not stop borrowers from accessing this particular kind of loan.

Poor credit is not an impediment, because these loans typically have very low or no minimum credit score requirements associated with them. Lenders offering payday loans for bad credit, use alternative criteria to evaluate borrower risk and are more forgiving than banks and traditional lenders.

At the same time, no collateral is required to obtain a payday loan with bad credit in British Columbia, so even customers without a lot of liquid assets or who are unwilling to risk those assets can still qualify.

These cash loans for customers with bad credit go further in increasing the accessibility and speed with which a customer can access cash. Multiple forms of income are usually accepted, and not just limited to traditional wages from employment.

Retirement accounts, pensions, and even government benefit/social welfare program proceeds can be used towards meeting the income requirement for an unsecured loan for bad credit.

Also, with online lending, the lending process for payday loans for bad credit is much faster. A simple online application means customers can be done applying in just minutes. This is coupled with an instant approval decision, digital loan agreement, and fast funding.

Many customers seeking bad credit payday loans in BC can be funded the same day, or even faster. What’s more, the funds provided are unrestricted – they are not tied to the purchase of a specific thing in the way a car loan or home loan may be.

That leaves customers able to use the funds as they see fit to best improve their financial situation – a critical and valuable tool when someone is already dealing with bad credit and distressed finances, to be sure!

Bad Credit Personal Loans in British Columbia

There are many reasons why people may need a bad credit personal loan in British Columbia. BC is a great place to live, work, and play. The economy is among the strongest in Canada, with a diverse group of companies and professions contributing to the high GDP of the province.

At the same time, the natural, idyllic beauty of the region is unparalleled. Tourism and attractions across BC attest to this, with outdoor sports and activities remaining extremely popular. Education is also an integral part of BC’s appeal, with some two dozen public universities and colleges, and another dozen or so private ones situated throughout the province.

Yet, despite all the positives, many people still experience hardships. BC, most seen in Vancouver, has an extremely high cost-of-living, especially when it comes to housing. That can leave a little buffer in a family’s finances if the economy takes a downturn or they experience a personal emergency.

Failure to meet those challenges can negatively impact credit scores for years to come. Fortunately, those particular problems can often be avoided with the responsible use of a bad credit personal loan in BC, from online lenders like iCASH.

iCASH is a leading provider of personal loans for bad credit in Canada today. We offer a 24/7/365 online application and approval process, with instant approval decisions and fast funding. Customers can access up to $1,500 in as little as 30 minutes.

Importantly, there are very minimal requirements to qualify, including no minimum credit score requirement. Residents of British Columbia seeking bad credit personal loans can be eligible even if they have been rejected by other lenders – providing a lifeline in trying economic times.

There’s also outstanding customer service, a cashback rewards program, and so much more available to borrowers at iCASH. There is no need to travel, make an appointment, or wait in line – and nothing to mail, fax, or scan.

Residents can apply for a bad credit personal loan in BC from the comfort of home, or even on the go, from the iCASH website or via the instant loan app, available on iOS and Android devices.

We also provide loans for bad credit in these cities of British Columbia

in Vancouver, Surrey, Burnaby, Victoria, Kelowna, Kamloops, Abbotsford.

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Just use the simple form on our website – select the amount of cash that you want to borrow, your repayment plan*, provide some information and you’re on your way.


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Complete your online loan application. You’ll receive an instant decision, so you can put your finances back on track. Fast, easy and reliable loans from a trusted licensed direct lender.


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Your funds will be sent via e-transfer in 5 minutes or less. Our transfers mean your money is available anytime you need it. Safe, emergency loans with same day funding.

Maximum repayment period 62 days. APR is 109.50%. On a $500 loan of 14 days, the total cost of borrowing is $75, with a total payback amount of $575 and an APR of 391.07%. 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.

Bad Credit Loans BC FAQs

What do I need to apply for a bad credit payday loan in British Columbia?

The requirements to apply for a payday loan for bad credit in BC are:

      • Be 19 years of age or older.
      • Be a Canadian citizen and a resident of BC (or one of the other provinces in our service territory).
      • You must have been receiving the same source of income for at least three months.
      • You must have a net income of at least $800/month.
      • You must have a Canadian bank account open for at least three months, with access to online banking functionality.
      • You need a valid mobile phone, email address, and home address.

Where can I get an installment loan in BC for bad credit?

Customers can get a bad credit installment loan in BC from online lenders like iCASH. We offer a lump-sum repayment option or 2 or 3 installment payments* on all our personal loans. You can choose the repayment option that makes the most sense for you financially.

What’s more, the interest rate remains the same – you are not charged more for extending payments over multiple installments. That remains true even if you have a poor credit score or limited credit history.

Can I get a bad credit loan while on EI benefits in British Columbia?

Yes, you can get a bad credit loan while on EI benefits in BC! Loan places like us offer bad credit loans that you can qualify for with multiple sources of income.

Wages are, of course, the most common form of income, but many others are accepted. Those other sources can include retirement accounts, pensions, EI benefits, and other government/social welfare benefits programs, the child tax credit, and more.

These sources can be combined to meet the minimum $800/month income threshold required to qualify for a loan. Just be sure to detail the sources and amount of income during the application process.

Can I get a loan for bad credit with no credit check in BC?

While there may be some lenders offering bad credit loans with no credit check in BC, most reputable lenders will require a credit check as part of the loan application process. However, we have no minimum credit score requirement, so there’s no reason to fear the credit check.

A credit check is used to validate the details and information provided in a loan application, and to establish a borrower’s identity. Generally, you should avoid lenders who are offering payday loans with no credit check required, as this is a red flag that they may not be reputable.

How can I get a money loan in BC for bad credit?

It’s easy to get a fast money loan in BC with poor credit. Just log on to online lender iCASH’s website or download and use their app on iOS or Android. All you need is your smartphone, tablet, or computer, and a working Internet connection.

You can apply online, get instant approval, and get funded fast – no matter what day of the week or what time it is. With no collateral required, and no minimum credit score needed to qualify, most applicants are approved at iCASH!
Borrow and Save!
Get up to 20% in Cashback!*

iCASH offers a unique Cashback program to reward its customers in BC. You can get back up to 20% of the cost of borrowing paid once your bad credit loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real Money!*

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