How much would you like to borrow?


How many repayments?

Where do you live?

Lender licences
Get my loan
+ 300 000
members since 2014
of approved applications
4.9out of5
customers would recommend us to their friends

Customer Rating

Bad Credit Loans in Winnipeg

Loans for bad credit for Winnipeg residents are a valuable financial tool which allows borrowers to obtain up to $1,500 quickly and easily, without any need for collateral. They offer a range of benefits as compared to a traditional loan and are often the only type of loan products available to consumers with bad credit scores.

These days, lenders use credit scores as the deciding factor of whether someone can qualify for a loan. Too often, they accept only the lowest risk applicants, those with the highest credit scores. The net result is that even people who are responsible with their finances, have a stable job and adequate income to repay loans, cannot access those much-needed funds.

Fortunately, this has started to change with loans in Winnipeg for bad credit. Rather than relying on credit score, modern and progressive lenders use technology to assess an applicant’s creditworthiness on several other metrics. While a credit check is usually involved, a credit score is not qualification criteria, and applications aren’t rejected based on credit score.

Unsecured bad credit loans in Winnipeg offer cash proceeds to borrowers with no collateral required to obtain a loan. So long as applicants meet the minimum qualification criteria – which doesn’t include a minimum credit score requirement – they can be approved for a cash loan, often the same day as they apply.

Cash loans in Winnipeg for bad credit are typically short-term and must be repaid with interest in a few weeks to 62 days.

Funds are unrestricted, meaning they can be used as the borrower sees fit. They’re ideal for helping in an emergency or tight financial situation, such as with cash flow problems, paying for a home or auto repair that is urgent, replacing or repairing broken appliances, covering travel or lodging for a family emergency, and similar purposes.

Payday loans in Manitoba are fast and easy to obtain, with a simple online application that can be completed in minutes. Also, people with poor credit can access fast cash without a lot of hassles or waiting.

Most people are well-acquainted with the concept of credit scores and how independent credit bureaus manage them. At their core, credit scores are meant as a short-hand, by which lenders can assess the risk level associated with a client – how likely they are to repay a loan or responsibly use a credit line, for instance. While this makes sense in theory, in practice, it has become an artificial roadblock to obtaining loan funds for millions and millions of people.

Poor Credit Loans Winnipeg

Need a Poor Credit Loan in Winnipeg?

It may surprise some that there are so many customers in need of poor credit loans in Winnipeg. Indeed, Winnipeg has one of the most diverse and resilient economies of any city in Manitoba and any city in Canada for that matter.

It also has routinely been ranked among the least expensive places to do business in all of western Canada. It, therefore, has attracted many employers, spurring economic growth for residents and general prosperity.

However, as with any city or economy, not everyone is affected equally. There are always people on the lower end of the economic spectrum who may struggle with low wages, limited ability for savings, restricted shift work, and similar problems. With significant population growth in the last several decades, jobs can become more competitive, and the risk of residents struggling financially – resulting in poor credit scores – has only increased.

Fortunately, there are multiple sources for poor credit loans in Winnipeg today. As a major city, conventional brick-and-mortar loan stores are an option, though they come with their drawbacks and restrictions.

More often, Winnipeggers are turning to modern direct lenders as their ideal source of money loans for poor credit. Chief among those online lenders is iCASH.

We are a Canadian-based lender, serving most provinces of Canada, including Manitoba and the city of Winnipeg. We offer payday loans for bad credit in Winnipeg, without any need for collateral or lengthy approval processes.

Customers can apply online, via the iCASH website or instant loan app, in just minutes. There are no documents to scan, fax, or mail, no appointments required, and no travel to a loan store or office – everything can be completed online.

What’s more, iCASH offers payday loans in Winnipeg 24/7/365. Everything is automated, meaning customers can access loans on their schedule when they need them the most – not at someone else’s convenience.

We provide instant approval decisions on all loan applications, a digital loan agreement, and other conveniences that mean the entire process can be complete in about 30 to 60 minutes. Funds are available the same day for the vast majority of customers – or even faster – meaning accessing up to $1,500 in cash today is a real possibility.

Most importantly, we have no minimum credit score requirement to qualify for an emergency loan. The easily-met qualification requirements and alternative metrics used mean that upwards of 90% of applicants are approved, even with bad credit.

Simply put, there’s no faster or easier way to access a poor credit loan in Winnipeg today than with iCASH.

We also provide bad credit loans in these cities of Manitoba

in Dauphin, Morden, Portage La Prairie, Selkirk, The Pas, Winkler, Brandon, Steinbach, Thompson.

Smart Phone

Bad Credit Loans Winnipeg

Get up to $1,500!
Try our mobile application!

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

4.6 / 5 STARS
2759 Rating
4.8 / 5 STARS
5.4K Rating

Apply for Bad Credit Loans in Winnipeg!


Apply Online

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.


Instant Decision

Complete your bad credit 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.


Get Fund

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 Winnipeg FAQs

What do I need to qualify for a bad credit loan in Winnipeg?

The minimum requirements to be eligible for a bad credit loan in Winnipeg are:

  ● Be at least 19 years old at the time of your application.
  ● Be a Canadian citizen and a resident of Manitoba.
  ● Have been receiving the same source or mix of income for at least the past three months.
  ● Have a net income of at least $800/month. This can include wages as well as social assistance programs from the provincial or federal level, private pensions, retirement plans, and other sources.
  ● Have a Canadian bank account that has been open for at least three months and has access to online banking features.
  ● Have a valid mobile phone number, email address, and home address.

Can I get a bad credit personal loan with child tax benefits in Winnipeg?

You can get a bad credit personal loan in Winnipeg, Manitoba, with your child tax benefits! You have to choose the right lender.

iCASH accepts multiple forms of income towards meeting the minimum of $800 per month income requirement to qualify for a child tax loan.

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

While it is possible to get a payday loan for bad credit in Winnipeg with no credit check, it is not recommended. Some lenders advertise that they don’t do credit checks as part of the bad credit loan application process.

However, this should be a red flag for borrowers. A credit check is about more than just determining an applicant’s credit score – it helps verify the identity of the applicant and verify the information they provide in the loan application.

iCASH will never reject an application based solely on a poor credit score. So, there’s no reason to fear the credit check that takes place during application.

Where can I get a bad credit money loan in Winnipeg, Manitoba?

Your best lender choice for a payday loan for bad credit in Winnipeg, Manitoba, and elsewhere in Canada is iCASH.

You don’t need to waste time driving around, trying to find a brick-and-mortar loan store, or waiting hours or days for approval as with a bank loan. Instead, iCASH is available 100% online. There’s nothing to scan, fax, or mail, no travel, and no waiting.

Best of all, iCASH loan services are available 24/7/365, from the comfort of your home – whenever you need a loan!
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      
Get a loan now