Getting a loan with us is easy and fast, select your loan amount, repayment plan and provide some personal details.
Cash Loan
Get an Instant Cash Loan Online
When you need an instant cash loan to cover your expenses and to pay your bills until your next payday, iCASH is the perfect solution. Our quick cash loans can be applied for online in just minutes and you can get instant approval.
It doesn’t matter if you have good credit or bad credit – iCASH considers many data points in your application, to determine your qualification for a loan. It’s that easy. No lengthy waits, no exhaustive paperwork – just a simple online application, automated approval decision, and iCASH is the only company in Canada to provide a 5-minute e-transfer of funds once your loan is approved.
Cash payday loan in Canada are available from $100 to $1,500, with flexible repayment plans to suit your needs. You can choose between 1, 2, or 3 repayments, with loan durations of between 7 and 62 days. As a fully-licensed direct lender in Canada, we maintain a strict code of ethical and transparent lending practices, with a focus on providing our customers the cash installment loans that they need to manage their finances and make life a little easier.
20%
CASHBACK
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!*
Apply for a cash loans online in Just Minutes
Apply Online
Instant Decision
Our fully automated online application will provide you with an instant decision. Once approved, all you have to do is electronically sign your contract!
Get funds
Once your contract is signed, your funds will be sent by e-transfer in the next 5 minutes! Fast, convenient and hassle-free. Funds are sent 24/7
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
members since 2014
93%
of approved applications
of approved applications
4.9out of5
customers would recommend us to their friends
customers would recommend us to their friends
Customer Rating
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Traditional Payday Lenders | Lenders with brokerage fee | |
|---|---|---|---|
| Licensed | |||
| Flexible repayment plans | |||
| Offers cashback program for more savings* | |||
| Paperless | |||
| Free membership benefits | |||
| No hidden charges | |||
| E-transfer in the next 5 minutes | |||
| Get a loan now |
What Can You Do with a Cash Loan from iCASH?
Pay for School Expenses
Whether you have a child in primary school or university, it can seem like expenses are never-ending. Supplies, books, activities, clothes…it all adds up. When you need a little help, a cash loan online from a direct lender like iCASH might be just the thing to get your student what they need for their education. No parent wants to let their child down, and enrollment in a sport or other activity, with the associated equipment and costs, should not stand in the way of letting your child follow their dreams. Getting a fast cash loan online is easy and you can get you the funds you need quickly.
Make Needed Home Repairs
It goes without saying that homeownership is rewarding but can also be a costly. Things break over time and need repairs as well as preventative maintenance. Whether you need to fix up your roof before a cold Canadian winter, repair or replace an appliance that’s broken down, replace a broken window, a cash payday loan from iCASH can help you manage these short- term expenses.
Pay for Auto Repairs
When your car breaks down on a cold Canadian winter, it’s not only an inconvenience – it can be an expensive problem. Most of us need our cars to transport the kids to school, get to and from work, run errands around town, and more. A quick cash loan from iCASH can get you the funds you need and get you back on the road in no time.
Pay Unexpected Bills
You never know what life is going to throw at you. When things are going well, it seems that’s when unexpected expenses and bills tend to pop up the most. Maybe you forgot about that insurance payment when you made your monthly budget? Or didn’t realize your annual gym membership was going to renew this month? You have to buy a dress for a wedding you’ve been asked to attend? At iCASH we also offer child tax cash loans with flexible repayment options to get you through the month.
Take a Vacation
Do you need a break from work, family, or the stresses of daily life? Want to take a vacation to get away during the cold Canadian winter with a significant other, your wife, husband, girlfriend, boyfriend, or someone special? Or maybe get away by yourself? If you need a little extra cash for airline tickets, hotel stays, or to otherwise enable you to take a much-needed vacation, a quick cash loan from iCASH might be just right for you.
What are the requirements to apply for a cash loan?
iCASH has very basic requirements for application. Our goal is to offer cash loans to as many people as possible, so long as they are capable of repaying the loans. Our requirements for application are:
- You must be a Canadian citizen, living in Alberta, British Columbia, New Brunswick, and Ontario.
- You must be at least 19 years old.
- You must have been receiving the same source of income for at least 3 months.
- You must receive a net income of at least $800/month.
- You must have a Canadian bank account, opened for at least 3 months, with access to online banking features.
- You must have a valid mobile phone, email address, and home address.
What are the repayment plan options for cash loans from iCASH?
iCASH offers both a standard 1-payment repayment plan, as well as a flexible installment plans.
How long are the loan repayment terms?
Our instant cash loans in Canada range in length from 7 to 62 days. This allows all our customers to find a solution to suit their pay schedule and be able to pay back the loan with no stress.
How do you keep my personal financial information safe?
iCASH takes security very seriously. That’s why we’ve invested heavily in AES-256, a 256-bit encryption to keep your personal and financial information as secure as possible. At iCASH we will also never sell or release your personal or financial information.
What is the cost of a quick cash loan from iCASH?
All of our instant cash loans are quite competitive in terms of interest rates. The rates vary from province to province based on provincial regulations and are summarized in the chart below.
| Province | Interest Fees | Late fee |
| Alberta | $15 per $100 lent | $25 |
| British-Columbia | $15 per $100 lent | $20 |
| Manitoba | $17 per $100 lent | $20 |
| New Brunswick | $15 per $100 lent | $20 |
| Nova-Scotia | $19 per $100 lent | $40 |
| Ontario | $15 per $100 lent | $48 |
| Saskatchewan | $17 per $100 lent | $50 |
| Prince Edward Island | $25 per $100 lent | $48 |
