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Borrow Up To $1,500, Even on Christmas Day!

Christmas is a time for celebration with the people you love. But for many, it can also be a stressful and expensive time, whether you’re buying gifts for people or hosting a party. If you find yourself needing a quick Christmas cash loan, iCASH is here to help. With emergency Christmas loans from us, you can feel comfortable knowing that your expenses can be covered quickly - even on Christmas Day! You can get an online payday loan of up to $1,500 and receive it by e-Transfer in minutes. You don’t have time to waste going to a bank or a physical location to get your loan. Everything with iCASH can be done online and we ensure you’ll get your money quickly, once you’re approved.

Open 24/7, even on Christmas!

Our team knows it’s crucial to get your loan approved and funds sent as quickly as possible, especially during the holiday season. That’s precisely why we’re available all year round, even on Christmas! We work around the clock to ensure loans are approved and funds are sent as quickly as possible. And since our loan application is so easy, you can complete it in 5 minutes and get your Christmas day loan quickly.

Instant approvals, same day funds

Need to get that Christmas payday loan as soon as possible? We’ve got you covered. When you download the iCASH app, you’ve already completed the first major step to getting your loan for Christmas. Simply sign up, fill out the application and the AI-powered process will let you know instantly if you’re approved. If you’ve been approved (we have a 93% approval rate), sign your digital agreement and your funds will be sent to you via e-Transfer in about two minutes. Since we are a private lender, we determine our criteria for approval. Our requirements are minimal, so it’s much easier to get approved by us, which is why we’re often considered one of the best private lenders in Canada, with more than 1,000 positive reviews on Trustpilot, and many 5-star ratings on iOS and Android.

Flexible repayment options

When you get a Christmas cash loan from us, we’ll only give you what you can comfortably repay. Additionally, we’ll provide you with flexible repayment options. Depending on your province and some other conditions that may apply, you can have up to 62 days to repay in multiple installments. We’re also flexible on the types of income we accept, which includes self-employment and government assistance programs, such as AISH and ODSP.

How Our Christmas Loans Work

Whether you need to borrow money for Christmas, or any other holiday during the year, iCASH is available to you 24/7. We’re here to guide you through our process and ensure you understand exactly what the process is for getting a small Christmas loan with us. We offer a quick 3-step process - apply, get approved, and get your money. It's as simple as that. Here is a breakdown of each step:

1. Sign Up And Apply

Unlike some other lenders, iCASH has a completely digital application process. That means no documents or paperwork needed to get a personal loan for Christmas. Getting your Christmas loan online is easy - sign up on our website or download our app and fill out the paperless application. It only takes a few minutes and can be done from anywhere! When you need a Christmas loan quickly, iCASH is the way to go.

2. Instant Approval

Whether you need that emergency Christmas loan to cover unexpected expenses, or just need a bit of extra cash, you won’t need to wait long to find out if you’ve been approved. For starters, with a 93% approval rate, you can feel confident that there’s a high chance you’ll be approved once you fill out the digital application. When that’s done, you won’t have to wait around for a long time. Our AI-powered, fully automated approval process will tell you instantly if you’ll be getting your Christmas advance loan.

3. Fast e-Transfer

We’ve already explained that our digital application process is quick, from filling it out to finding out the approval status. But what about actually receiving your funds? If you need a loan for Christmas, you want your money quickly and you’ll get an e-Transfer within two minutes of signing your digital agreement. And again, that’s all year round, even during the holiday season!

What You’ll Need To Get A Christmas Loan From Us

As a private lender, we won’t ever lend you an amount that you won’t be able to comfortably repay, on time. Our requirements are also easy to meet. To qualify for a Christmas loan from iCASH, the following criteria are required:

- You must be at least 19 years old.
- You must be a Canadian resident, living in one of the provinces we operate in (BC, AB, SK, ON, NS, NB, PEI, MB).
- You must have been receiving the same source or mix of incomes for the past 3 months (this can include employment income, as well as government assistance programs such CPP, AISH, ODSP, etc.)
- You must have a minimum combined net monthly income of at least $800.
- You need to have a Canadian bank account that has been open for at least 3 months, with access to online banking.
- You must have a valid mobile phone, email address, and home address.

Christmas loans for bad credit

Having good credit isn’t always an easy thing to achieve. Life gets in the way, and sometimes, having bad credit is simply out of your control. We understand and are firm believers that an individual should not be solely defined by their credit score

When approving a payday loan, we focus on your ability to repay rather than your credit score. We’ll look at things like your source of income, ability to repay, employment history, etc. That’s why getting a Christmas loan for bad credit is much easier with us!

Get Your Christmas Loan Today!

The great thing about getting your Christmas loan with us is that there’s no such thing as waiting too last minute to get it. If a sudden emergency arises, getting that instant Christmas loan with iCASH will be fast.

Every year for Christmas, we’re happy to provide small online loans for thousands of customers across Canada. Getting an instant Christmas loan with us is easy, and most applicants complete the entire lending process in minutes. If you’re ready to get your easy Christmas loan today, get started with iCASH today!

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The greatest alternative to traditional payday loans

Apply Online

Apply Online

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

Instant Decision

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

Get Fund

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

Maximum repayment period 62 days. APR is 109.50%. On a $500 loan of 14 days, the total cost of borrowing is $75, with a total payback amount of $575 and an APR of 391.07%. 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.
+ 200 000
members since 2014
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Frequently Asked Questions About Christmas Loans:

How can I borrow money for Christmas?

Easy! Just download the iCASH app on your smartphone, create your account and follow the prompts to apply for your loan. The entire digital application only takes about five minutes, and you’ll find out instantly if you’ve been approved. If you don’t have a smartphone, the digital application can also be completed easily on our website.

Can you get a Christmas loan with bad credit?

With iCASH, you certainly can. We won’t base our lending decisions on bad credit. We look at employment history, sources of income (government assistance and self-employment incomes are acceptable), ability to repay, etc. So if you’re seeking a bad credit Christmas loan, iCASH is the easiest place to get it.

Can I get a loan for Christmas shopping?

There are no limits to how you spend the Christmas loan you receive from iCASH. Once you’ve been approved, how you spend your money is entirely up to you. So yes, if you need an emergency Christmas loan to do some holiday shopping, you certainly can with your instant loan.
iCASH logo Traditional Payday Lenders Lenders with brokerage fee
Flexible repayment plans*      
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Get an easy, safe and fast loan


Complete the secure online loan application in minutes. No documents are required. Be instantly approved and receive an e-transfer within 5 minutes after electronically signing your contract. Even on weekend and Holidays!


Apply from the comfort of your home - no more faxing documents or waiting in line. The instant online payday loan process is flexible and convenient.


Simply fill an easy online application and you can be instantly approved for your cash. Get the repayment schedule* that suits your needs.


We will add a 5 days grace period before starting to repay your loan on your next payday. This means you will have an extra 5 days to pay us back with no extra fee.


As licensed lenders, we are fully compliant with provincial laws and regulations, and our transparent lending process means no hidden fees and no surprises.


We give you the option to repay your loan in one or multiple payments* while paying the same interest fee!

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!*