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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 even if you have with bad credit because we look at multiple factors that speak to your ability to repay the loan. Our goal is to evaluate your overall financial situation and loan you the amount 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 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 from an honest direct lender and you’ll get instant approval. Everything is done electronically. This makes iCASH one of the easiest ways to borrow money fast. And what’s more, you never need to search for a branch office or location, or waste time driving around town – now that’s lending 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!

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Get up to $1,500!

Try our mobile application!

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

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Borrow Money Now with iCASH

Borrow Money Online
Borrow Money Online

Just use the simple form on our website – select your amount you want to borrow, your repayment plan, and provide some personal information, and you’re on your way to a short-term loan.

Instant Approval
Instant Decision

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

Get Your Money
Get Fund

Your online loan 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. No minimum repayment period.
+ 200 000
members since 2014
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iCASH logo Traditional Payday Lenders Lenders with brokerage fee
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Top Reasons to Borrow Money Online from iCASH

Custom Borrowing Options

With iCASH you can borrow money online instantly anywhere from $100 to $1,500, with multiple loan payment to suit your needs. Whether you want to repay your loan in one shot, or prefer 2 or 3 installments, your personal solution from iCASH can make that happen. Our goal is to provide you with the kind of options that best suit your unique financial situation.

Certified and Licensed Direct Lender

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.

Borrow Money with Bad Credit

While responsible lenders can’t generally claim that you can borrow money online with no credit check, a credit rating does not need to be disqualifying. At iCASH, 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 loan, 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 short-term loan with iCASH.

Borrow Money Now

iCASH is fast – really fast! While all cases are different, and some individuals may face longer delays in their approval or funds release process, the vast majority of our customers receive a virtually-instant approval decision upon submitting their loan application. There’s no waiting for days or weeks to get an answer. When you need to borrow money fast, you usually don’t have time to wait – you need money now! At iCASH, we do everything we can to make sure you get your approval and your funds in your bank account as soon as possible.


As a fully online loan provider, iCASH offers great convenience for customers looking to borrow money online instantly. 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 offers the optimum convenience for our customers – you can apply for your loan, receive approval, sign the contract, and get your funds transferred, all while sitting on the couch or at the office.

What are the eligibility requirements to borrow money online?

When you borrow money from iCASH, our main focus in lending is to ensure that you can repay it back. As such, our criteria are very basic and limited – so long as you meet these basic requirements, you can get approved 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 loan application. 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 a few rare cases, however, this process can take longer, returning uncertain results that require analysis by our customer care team. In all cases, we will keep you updated and aim to provide feedback as fast as possible.

In terms of getting your funds, once you are approved, funds are released electronically to your bank account. In most cases, this takes less than 5 minutes. If you choose the direct deposit option rather than electronic transfer, it can take up to the next business day. 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 from iCASH?

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 my loan?

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