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Instant Cash Loans in Canada

Every now and then we all need just a little bit of extra cash for something really important. It could be for an unanticipated addition to this month’s household expenses, a family vacation, or to invest in that new business you hope to launch soon. Regardless of what the funds are needed for, there are many options in Canada available to you.

Easy cash loans are provided by direct private lenders like iCASH. With this kind of loan, Canadians can borrow anywhere from $100 to $1,500 at a time. Cash loan companies have different repayment deadlines, but generally you will be given one to three pay cycles to settle your loan. For every $100 borrowed on a two-week term, you are responsible for fees of 15% to 25%, depending on the province you live in.

What makes these loans such a great idea is their convenience. They are widely available across the country and meant to put money in your pocket sooner than later.

Advantages of Instant Cash Loans in Canada

We understand that if you haven’t looked into instant decision cash loans before, you might wonder about how advantageous they can be for you. You may even question whether they are an effective solution for the unexpected financial challenge you may be in the midst of.

In reality, instant cash loans bring with them a number of positives. What’s more, they are designed with the intention of assisting you – not putting you further into debt.

When it comes time to borrow money in Canada, you may automatically assume that banks or credit unions are the places to go. This is a fair assumption, as many people’s natural instinct is to visit one of these outlets when money is needed.

However, these traditional financial institutions come with their drawbacks. More specifically, the loan application and approval processes here take a long time. This could mean seeing the interest on your debt continue to grow as you wait. Or, it could mean missing out on buying your teenage child a priced-to-move used car you saw a classified listing for.

If you instead opt for a purveyor of same day loans, you should be presented with an application that takes very little time to fill out. The questions are straightforward, non-evasive, and used by the lender to get a clearer picture of the borrower. Once your application has been submitted, an instant decision will be made.

With fast cash loans in Canada, approval happens at a rapid pace. It is understood that the financing you applied for is needed right away – not tomorrow, the next day, or the day after that.

As soon as your easy instant loan has been signed off on, the money will be e-transferred, or wire-transferred to you. Depending on the lender you borrow from, the funds could be in your possession in a matter of minutes.

If you choose to borrow by using instant emergency cash loans, you can be comfortable knowing that you have made a forward-thinking decision that will benefit you and your family immediately.

Cash Loan Requirements

One major misconception about short-term loans is that they can be hard to find, apply to, and be approved for. The unfortunate part about this perspective is that it could lead to individuals abandoning the idea of such assistance all together, and then struggling to make ends meet.

The truth is online private lenders, payday loan stores, as well as pawnshops, can be found all over Canada. To find a brick-and-mortar cash loan places, your best bet is to search Google for “cash loan near me open now,” to see what is available in your community.

If you would prefer pursuing quick loans online, a number of direct private lenders have customer-friendly websites and mobile apps that will help you borrow money.

Each lender will have its own set of requirements you must meet in order to qualify for a loan. To borrow from us specifically, you need to:

• Be at least 19 years of age
• Have Canadian citizenship and reside in Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia, or Prince Edward Island
• Show that you have been working with the same employer for the past three months
• Have a net income of at least $800/month
• Receive your paycheques via direct deposit
• Have a Canadian bank account that has been in existence for a minimum of three months
• Provide a valid mobile phone, email address, and home address

When deciding upon which lender to work with, please ensure that the company is licensed within the province you reside. The regulations they adhere to are meant to keep customers like you properly informed about any fees, as well as any terms and conditions, connected to your loan.

Do note that on occasion you may be approved for a lower loan amount than what you requested. Conscientious lenders will only provide you with an amount of money you will have zero difficulty paying back. If your initial loan is repaid by the date(s) agreed upon, you could be eligible for a re-loan worth a higher dollar amount.

Quick Cash Loans Online

As fantastic as it is to have in-person access to a cash loan store in your city, it is understood that you may be more comfortable securing these safe loans online.

Unfortunately, some physical loan shops are located in neighbourhoods that not everyone is comfortable visiting. We also appreciate the fact that some prospective borrowers would prefer the privacy that comes with applying for urgent cash loans online. No matter which category you fall into here, online alternatives are aplenty.

Considering that you are now able to easily apply for rapid cash loans online, it is worth recognizing the many advantages of going this route:

Apply at your own convenience: You could be at home, at work, on a trip, or rooting on your team at a sporting event, and still receive loans online in Canada. Just access a lender’s website or mobile app from your computer, tablet, or smartphone.
All day, every day: Even if it is the weekend, or a holiday, you can fill out a 24/7 quick cash loans online application and receive an instant decision. You do not have to wait until the next business day.
Instant approval: Same day loans online are instantly approved, meaning you will get the funds you need to speedily payoff that surprise bill.
Rapid fire funds: Within minutes of signing and submitting your loan agreement online, we can e-transfer, or wire-transfer, your money in minutes.
No more paper: No faxing of financial or employment documents is an exceptional perk brought to us in the digital age.
Online info: Lenders now use their websites and mobile apps as a place in which they can supply borrowers with all the necessary loan information they require. Many lenders will have detailed FAQ pages online.
Keep it safe: We use 256-encryption technology to protect the information supplied to us during the online application process.
Helping you out: Just in case you need personal assistance with your online loan application, we have a wonderful customer support team ready to answer all of your questions.

Thanks to these many perks, we feel going this route is a real luxury for customers targeting the best cash loans in Canada.

Cash Loans for Bad Credit History

As we get older and encounter more financial responsibilities, sometimes it can be hard to keep up – especially when a one-off bill comes from out of the blue. Sadly, this is how some individuals wind up with a bad credit score.

A bad credit score generally falls in the 300- to 599-point range. Having a total in that ballpark can come from a history of not paying bills back on time; defaulting on a debt; appearing in court due to money owed; as well as declaring bankruptcy – among other factors.

When in this type of predicament, banks and credit unions are not the places to turn to. They do not like giving financial assistance to those with poor credit. Modern private lenders like us, however, are far more risk averse and know what everyone deserves the chance to improve their financial situation.

When evaluating applications, we look deeper than just the credit score – several factors are at play. We never disqualify those who need cash loans for bad credit simply because their score is not ideal. In fact, we approve nine out of 10 small loans for people who have bad credit.

These are the two types of fast, easy cash loans for bad credit that we offer customers:

Cash Advance: A short-term loan option in which you pay us back by your next paycheque.
Flexpay: As its name suggests, this particular loan is flexible. You can repay your loan in multiple installments*. In all, you would have seven to 62 days to settle the loan.

No matter which loan plan you choose through us, the low interest fees remain the same. Just make sure to have enough funds in your bank account for the repayment date(s). Otherwise, a non-sufficient funds charge will be given.

Considering that the express loans we offer go from $100 to $1,500, you should have no trouble meeting the repayment deadline you select. We have designed our reliable instant loans to assist you, not to cause you additional financial grief.

What’s more, our loans are unsecured. This means that if you pursue same day cash loans online for bad credit with us, you won’t have to put up any collateral to get one.

Secured loans through certain other lenders would require you to put up a valued item (i.e. fine art, jewellery) to receive funds. You would only get your item back after repaying the loan. This is a practice most famously used by pawnshops.

We also offer instant approval cash loans for bad credit. Once your application has been filled out and submitted, you will be only moments away from getting the funds you need.

We aim to assist those with good credit and bad credit. As a smart payday loans alternative, it is our duty to help get you back to living without any monetary hiccups.

How to Get a Cash Loan?

iCASH is exclusively an online lender in Canada. Seeing as we do not have storefront locations, you never have to worry about applying for assistance only during business hours. Rather, you are able to apply for a cash loan with us any hour of the day, any day of the week.

Here is how to go about that:

• Visit our website or mobile loan app (for iOS or Android) and create a user account
• Select the loan amount you desire, followed by the repayment schedule* you would like to adhere to
• Once your account is active, answer questions related to your personal contact details, employment status, financials, and more
• During this application process, a credit check will also be performed on you
• After your banking information is validated, you will get an instant approval decision
• As soon as your loan has been completely approved, check your inbox for an email from us
• Next, sign your loan agreement and pre-authorized debit forms
• We will e-transfer funds to you in just a couple minutes
• Keep an eye on your repayment schedule*

Running into a brief financial obstacle can be a very stressful event for some people. We do not think the process of overcoming that should feel the same. We take pride in offering you 24/7 cash loans online in a swift, hassle-free manner. With us, you can trust that money will get to you right when it is needed.

We also provide quick cash loans in these provinces of Canada

in Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia, Prince Edward Island.

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Apply Online

Apply in a few simple steps and get the money today. Complete the quick and easy loan application on our website – provide some personal information about yourself, select the amount of money you need, and the loan repayment schedule*.

Instant Loan Approval

Instant Decision

As soon as you send us your online loan application. You’ll receive instant approval on your loan 24/7 so you can take care of anything that life throws your way. Quick, easy, trustworthy loans from a licensed Canadians lender.


Get Fund

Your money will be sent to you via e-transfer in 2 minutes or less. Email money transfer means that the funds from an online cash loan can be accessed anytime, day or night, 24/7. Safe, cash loans online with same day funding.

Maximum repayment period 62 days. APR is 109.50%. For a $300 loan of 14 days, the total payback amount is $345. 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.

FAQs about Cash Loans in Canada

Are cash loans a good idea?

• Cash loans provide fast, easy access to quick cash by allowing you to borrow money for unforeseen expenses. In many cases, online lenders provide instant approval and funding in less than one hour.
• Whether you have bills that you are struggling to pay or need extra money, online loans can help you get out of a financial issue.

Where can I get a cash loan with bad credit?

• You can get a cash loan with bad credit (worth $100 to $1,500) from direct private lenders like us, payday loan companies, or pawnshops across Canada.
• Unsecured short term loans do not require any collateral. With secured loans, however, you will need to temporarily trade a desirable item (i.e. fine art, a high-end antique) to obtain financial assistance. You will only receive a percentage of the item’s actual value in the form of a loan.
• If you knowingly have bad credit, do not apply for a loan through a bank or credit union. These financial institutions take a long time going through applications, and primarily focus on giving loans to those with good credit.

Can I get a cash loan with no credit check?

• A credit check will be performed when you submit your loan application with us. That said, most lenders will consider several other pieces of criteria during the approval process. You will not be rejected solely based on the nature of your credit score.
• Credit checks give online money lenders a closer look at your financial history, including how you have used credit in the past. Such a check also shows how likely you are to pay bills/debts back on time.
• Do not be concerned about having yourself involved in a credit check. We do them to get a clearer understanding of all potential borrowers.

Where can I get an instant cash loan 24/7?

• Since we are an online-only short term loan provider, you can apply and be approved for fast funds at any hour, any day of the week. We will even work with you during major holidays like Christmas and Easter.
• Our loans can be sought through our easy-to-use website, as well as our mobile apps for iOS and Android devices.
• Very quickly after applying, you will get an instant decision from us. Upon approval, sign your loan agreement and pre-authorized debit form. You will receive your funds via email money transfer in just a couple of minutes.
Borrow and Save!
Get up to 20% in Cashback!*

iCASH offers a unique Cashback program to reward its customers in Canada. 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!!*

Cash Loans in Canada

Online Cash Loans Canada

If you're a resident of Canada, online cash loan applications are processed in real-time and we do not need you to come into an office to drop off documents or sign any paperwork. We cut out the red-tape: no faxing, no mailing, no in-person signing. The internet makes everything so much easier!

Best Cash Loans

Canadians who apply for quick and easy cash loans online, have our commitment to act responsibly and ethically. There are no hidden fees and the loan details are all explained in clear, understandable terms. Our team is available to answer any and all questions, 7 days a week.

Instant Cash Loans Canada

In the majority of cases, our software allows you to receive instant approval on your cash loans in Canada. For the majority of people, the funds from your loans will be available within an hour from the moment they start their loan application.

Cash Loans in Canada for Bad Credit

When you apply for cash loan, we do look at your credit score, there is so much more to you than the number in your credit bureau file! We are focused on getting the entire profile of a person, most importantly the person’s capacity to repay, and not so much the bad circumstances of your history.

Fast Cash Loans Online Direct Lender

We have invested in the latest 256-bit encryption technology to make sure that when you apply for a fast cash loan, your application and all your data is 100% safe. We have established the highest principles and standards that are in line with the industry’s codes of ethics.

iCASH logo Traditional Payday Lenders Lenders with brokerage fee
Flexible repayment plans*      
Offers cashback program for more savings*      
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