Instant Cash Loans

Select the amount you wish to borrow

Minimum

$100

$750

Maximum

$1,500

Select province of residence

Number of payments

Loyalty program

Elite

New customer

Prestige

VIP

Cost summary

Cost

_$85^.50

Cashback

_$0^.00

Apply now and receive your money by e-Transfer at no extra cost.

Get a cash loan up to $1,500 today

If you’re looking to borrow money and you need cash immediately, you may be unsure where to go. Thankfully, if you’re looking for an easy cash loan, you can turn to iCash! As one of the leading online lenders in Canada, iCash has helped over 850,000 Canadians get quick, easy loans by e-Transfer with flexible repayment terms* and a digital application process that is both easy to fill out and understand.

Borrow $100 to $1,500 online

With iCash, not only can you get fast cash anywhere in Canada, but you can apply for anywhere from $100 to $1,500! No matter how much you borrow, the fees are applied and spelled out clearly, so you’ll have a precise picture of what you’re getting beforehand. You can apply 24/7 online or with the iCash mobile loan app. You won’t need to provide documents or fill out any paperwork.

Instant approval & fast funding

With iCash, waiting around for hours or days for an approval decision and receiving your funds is a thing of the past. Instant funding is possible thanks to our automated AI lending process. All you need to do is fill out our digital application online or with the iCash app, and you’ll find out instantly if you’ve been approved. We process loans 24/7, even on weekends and holidays. Once processed, approved, and digitally signed, we send you your funds by e-Transfer within 5 minutes. It’s that fast! This is why so many Canadians are choosing us as an alternative to in-store payday loan lenders!

Repay in 3 easy instalments*

When it comes to getting online cash, flexibility to repay is key. That’s why iCash allows up to 3 repayments to repay, depending on the province you live in and the frequency of which you are paid. The repayment dates are conveniently scheduled on the day you get paid (we accept various sources of income as acceptable repayment options).

How our online loans work

If you’re worried that our fast cash loans are too good to be true, allow us to show you exactly how they work, and how quickly you can receive one from iCash. Borrowing money online from us is much easier (and faster) than going to any loan store in person.

1. Sign up and complete our online application

To begin, simply sign up, create an account, and fill out the easy-to-follow digital loan application - either by downloading the iCash Android/iOS app or doing so on our website. The entire process is paperless. You won’t need to sign any papers or scan any documents whatsoever.

2. Get approved instantly

We take the “instant” in instant cash literally. You won’t be waiting hours or days to find out if you’ve been approved. Once you fill out our online application, you’ll find out if you’ve been approved right away! Once approved, we’ll begin processing your loan immediately. You’ll receive your digital agreement via email to sign in a few minutes.

3. Get an e-Transfer within 5 minutes

Once you’ve been approved and have signed your digital agreement, you’ll receive your instant loan by e-Transfer in 5 minutes. This makes iCash an ideal solution for those who need money on short notice, as it gives you access to quick cash much faster than traditional banks and in-store lenders.

Our easy requirements for online cash loans

We understand that sometimes life throws unexpected expenses your way and you need a few hundred dollars to make it to the next paycheque. That's why we offer instant cash loans online with some of the easiest lending criteria so that even Canadians receiving government benefits are eligible.

Unlike banks and other lenders who require extensive paperwork and long waiting periods for approval, our loan application process is easy and fast. We believe that everyone should have access to financial help when it’s needed most, which is why our lending criteria is designed to make getting approved easier than ever before.

If you meet these borrowing criteria, you’re eligible:

Be at least 18 years old (19 years old for applicants in British Columbia, New Brunswick, Nova Scotia).
Be a resident of any of the provinces in which we operate.
Show that you have been receiving the same source of income for the past three months.
Have a total net income of at least $800/month.
Have access to an online bank account.
Have a valid mobile phone number, address, and email address (VoIP numbers are not accepted).

Bad credit accepted!

With iCash, you can get approved online even with bad credit. No need to worry about your credit score standing in the way. Instead of relying on traditional lending metrics, iCash looks at alternative points like spending habits, sources of income, and ability to repay - factors that are more indicative of someone’s ability to repay debts and loans.

Our expertise in bad credit makes it easier for those with poor or non-existent scores to get approved quickly and easily. Plus, with competitive interest rates and no hidden fees, iCash offers an attractive option for those who may not qualify for personal loans from a bank.

Borrow cash anywhere in Canada!

When it comes to online loans, it doesn’t get better than iCash. Not only is our application process easy, but getting your funds is quick and easy. We have 24/7 customer service and offer additional bonus perks for future loans, such as an exclusive cashback* program. We even have a referral program that can earn you and your friends an extra $20. Apply now to get started!

We provide quick cash loans in these provinces of Canada

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

Apply Online

Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.

Instant Decision

Our online loan application will tell you if you’re approved instantly. Once approved, all you have to do is electronically sign your contract. It’s that easy!

Get a decision instantly after completing our paperless loan application.

Get Funds

Once you sign your digital agreement, your cash advance will be sent by e-Transfer within 2 minutes. Fast, convenient and hassle-free. Funds are sent 24/7, no matter what.

Receive your money by e-Transfer within minutes of signing your agreement.

Frequently asked questions

How can I borrow cash immediately?

If you need to borrow money right away, iCash is the answer. The process is easy and secure, with a simple online application. You’ll know quickly if you’re approved for a loan and how much money you can get. If approved, the funds will be sent via e-Transfer in 2 minutes. It doesn’t get much quicker than that!
Not only is everything fast, but we’re transparent about all our fees upfront, so you know exactly what you’re getting beforehand. Plus, everything is safe and secure with iCash!

What is the easiest loan to get approved for from iCash?

The easiest one to get approved for is from iCash simply because we determine our criteria for approval, making it much easier to meet than traditional lenders. As a result, even people with bad credit have a good chance of being approved. Additionally, the application process is simple and incredibly easy to follow. That’s why it’s easy for anyone to get the money they need quickly and easily with iCash, making us the best alternative to in-store lenders around.

Are cash loans a good idea?

Cash loans from traditional providers or pawn shops can often be a bad idea compared to modern-day lending solutions like iCash. Payday loan companies often give you a cheque and you have to pay a fee to get it cashed, or head to the bank and wait 5 days for the hold to clear. You might also not get flexible repayment options*, which can result in more fees later on.
If you need to borrow a few hundred dollars quickly, we provide instant decisions and funding by e-Transfer in less than one hour. Whether you have bills that you are struggling to pay or need extra money, our online loans can help you get out of a financial issue.

Where can I get a cash loan with bad credit?

In the past, most Canadians turned to payday loan companies and pawn shops to get quick cash. But the process of going to a store, waiting in line, filling out paperwork, and talking about your finances can be a daunting and time-consuming endeavor. Many Canadians now prefer the alternative of getting instant cash loans online through reputable lenders like us!
If you have bad credit, don’t bother applying through a bank or credit union. These financial institutions take a long time to approve and primarily focus on giving loans to those with good credit (scores of 670 and higher).

Can I get a cash loan with no credit check?

Many lenders claim that they will not check your credit before approving. This is often not entirely true because most lenders will perform a soft credit check and call it a “no credit check loan.” At iCash, we prefer to be upfront about the fact that we do obtain your credit information when you apply with us.
However, we’re not concerned with your credit score. We look at more important factors such as your ability to repay based on your current financial situation. As a private lender that specializes in helping Canadians with less-than-perfect credit get loans, we have some of the easiest approval criteria possible!

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

If it's beyond regular business hours, you might have an increasingly difficult time finding a lender that is open and available to provide you with quick cash.
A lot of online lenders say that they are available 24/7, however many don’t process loans 24/7. Most lenders will only process them and send you money during business hours.
At iCash, we’re truly available 24/7 because we approve and fund loans day or night, even during major holidays like Christmas and Easter. We have staff working around the clock to assist you.
When you apply with us, you’ll get an instant decision. Upon approval, sign your digital agreement and pre-authorized debit form. After that, you’ll receive your funds via e-Transfer in approximately 2 minutes!

How to Get a Cash Loan?

iCash is exclusively an online lender in Canada. Seeing as we do not have a storefront location that serve customers, you have the flexibility to apply whenever you want, even beyond regular business hours. We’re available any hour of the day, any day of the week.
Here is how to get a loan with us:

Visit our website or mobile app (for iOS or Android) and create a user account.
Select the amount you desire, followed by the repayment schedule* you would like.
Once your account is active, answer questions related to your personal contact details, employment status, financials, and a few more simple questions.
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 digital agreement and pre-authorized debit forms.
We will e-Transfer funds to you in just a couple of minutes.
Keep an eye on your repayment schedule*.

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

Have more questions? Check out our full FAQ.

Cash Loans In Canada