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Borrow Money Online

iCASH Can Help You Borrow Money Online Instantly!

When you need to borrow money now, iCASH has a solution to meet your needs. We provide the flexibility to suit your individual borrowing needs.

It doesn’t matter if you have less-than-perfect credit, or even fair credit. With iCASH you can borrow money online instantly even if you have with bad credit because we look at multiple factors that speak to your ability to repay the funds. Our goal is to evaluate your overall financial situation and let you borrow cash that you need accordingly. That’s what it means to be a responsible, ethical lender.

We offer the convenience of being a fully-online direct lender, which means you can borrow money online from the comfort of your home or office and that’s a big advantage during the cold Canadian winters.

You don’t need any documents, and we have an easy online application allowing you to safely borrow up to $1,500 and you’ll get instant approval. Everything is done electronically. This makes iCASH one of the easiest ways to borrow cash. And what’s more, you never need to search for a branch office or location, or waste time driving around town – now that’s borrowing for the modern digital age!



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!*

Smart Phone

Get up to $1,500!

Try our mobile application!

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

4.6 / 5 STARS
1773 Rating
4.8 / 5 STARS
3.8K Rating

Apply to Borrow Money

Apply to Borrow Money
Borrow Money Online

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

Instant Approval
Instant Decision

iCASH uses advanced automated algorithms to provide you with a quick decision on your application. If you are approved, you can then sign your contract electronically, and you’re good to go!

Get Your Money
Get Fund

Your funds are sent via electronic transfer to your bank account, often in 5 minutes or less. Our electronic transfers mean funds are available anytime you need to borrow money fast.

Loan terms vary from - 62days. 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 $25 per 100
+ 200 000
members since 2014
of approved applications
4.9out of5
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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Borrow Money Online Instantly

How to Borrowing Money Online?

You can instantly borrow money online anywhere from $100 to $1,500 and have with multiple repayment options to suit your financial needs. Whether you want to pay back the amount you borrowed in one shot, or prefer to pay it back in 2 or 3 installments, the choice it yours. The primary goal is to provide you with the kind of options that best suit your unique financial situation.

Where Can I Borrow Money?

Unlike many other online lenders, iCASH is a fully certified and licensed direct lender. This means that we’re duly authorized to operate in Canada, in all the provinces in which we operate, by both federal Canadian authorities and provincial authorities. For consumers looking to borrow money fast, they need to be wary of sketchy or potentially predatory lenders. With iCASH, you get the full protection of two layers of government regulations.

How Can You Borrow Money If You Have Bad Credit?

You can safely borrow money online even if you have bad credit. Your credit score is just one of those data points. We are more focused on evaluating whether or not you have the financial means to repay the amount of money that you borrowed, not necessarily what your credit score or credit report says. We recognize that you are more than a number. That’s why many customers with bad credit have still been able to get a borrow cash with iCASH.

How Can I Borrow Money Fast?

iCASH is fast – really fast! The majority of our customers receive a virtually-instant decision upon submitting their application to borrow money. There’s no waiting for days or weeks to get an answer. When you need to borrow cash, you usually don’t have time to wait – you need it now! We do everything we can to make sure you get your approval and borrowed funds are in your account as soon as possible.

What Is The Best Place To Borrow Money From?

In today's world, the best place to borrow money is online. You don’t need to drive around town, make an appointment at an office, or fill out lots of paperwork. Everything can be done online, 24 hours a day, 7 days a week. This provides you the optimum convenience because you can apply, receive approval, sign the contract, and get your money fast, all from the comfort of your home or at the office.

Find out what our customers think about iCASH!

"Pertige from BC"
"Sami from Ontario"
"Teri from New Brunswick"
"John from New Brunswick"
"Erika from Alberta"
"Stephen from Alberta"
"Chelsea from Ontario"
"Scott from Alberta"
"Lynda from Ottawa"
"Kenton from Alberta"
"Catalina from BC"
"Chris from Alberta"
"Jasmine from BC"
"Christa from Alberta"
"Melissa from Ontario"
"Heather from Alberta"
Read our customers stories

What are the eligibility requirements to borrow money online?

When you borrow money from iCASH, our main focus when we review an application is to ensure that you can repay back the amount that you borrowed. As such, our criteria are very basic and limited – so long as you meet these basic requirements, you can get borrow money fast even if you have bad credit.

  • You must be a Canadian citizen, living in Alberta, British Columbia, New Brunswick, and Ontario.
  • Be at least 19 years old.
  • Have been receiving the same source of income for at least 3 months.
  • Receive a net income of at least $800/month.
  • Have a Canadian bank account, opened for at least 3 months, with access to online banking features.
  • Have a valid mobile phone, email address, and home address.

How quickly can I get approved and borrow money?

We strive to provide our customers with virtually instant approval decisions upon submitting the application to borrow money. In most cases, a brief processing occurs upon submission, where our automated decision-making algorithms check your credit score, analyze the other information you’ve submitted, and make a decision.

In terms of getting your cash, once you are approved, funds are released electronically to your bank account. In most cases, this takes less than 5 minutes. The vast majority of our customers receive their funds the same day as their approval.

What qualifies for the “net income” requirements?

Regular pay checks/direct deposits are not the only element that make up your net monthly income. Child tax, pensions, ODSP, AISH, OAS, and CPP income is all considered. As long as the combined total is greater than the $800/month requirement, these sources of income are all perfectly valid. Just fill out the Employment Details section with your information during the application process, and you’ll be on your way to borrowing money fast.

How much can I borrow?

At present, you can borrow anywhere from $100 to $1,500 from iCASH, in the form of a short-term loan. We offer flexible repayment terms, with installment loans of 1, 2, or 3 payments available. The total amount you are approved for is based on our automated decision-making algorithms, and cannot be increased or modified by the customer or our customer service agents.

How do I repay the amount that I borrowed?

As part of our application process to borrow money online, you agree to repay through the same bank account that we transfer your funds into. The repayment date(s) are based on the options you choose during the application process. This keeps things as simple as possible, so that you can quickly and conveniently borrow cash.