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24-Hour Direct Lenders

If you’re trying to borrow money and have been turned away by your bank or another traditional institution, why not get help from direct lenders?

Modern direct lenders make it easy for Canadians to borrow money because you aren’t jumping hoops throughout the lending process. iCASH has made it simple for borrowers to gain access to loans, with an easy application process and with fast turnaround time.

Direct lenders, or short term loan providers, let people borrow money in small-dollar amounts directly with them. Instead of using an outside company or mortgage broker, they use their funds, and their customers deal directly with them.

This is great for borrowers because their information stays in one place, rather than getting shared with multiple companies and protects them from fraud and information leaks.

Unlike loan-matching services, you cannot browse through different lenders and products if you choose to apply through a direct lending company. You should thoroughly research the lender you are planning to use to apply for a cash loan and make sure you are well aware of the costs of borrowing with them.

While many modern lenders are transparent in their fee structure and interest rates, there are some questionable lenders out there that want to take advantage of an individual’s financial situation.

If you’re in a rush and need to access cash right away, applying with direct lenders is your best option, and it might be easier for you to get a loan rather than going through a traditional institution or loan-matching services.

Things to Look out for When Applying with Direct Lenders:

Before you apply for an online cash loan, you should make sure that the lending company is reputable among the direct lender’s network. To be specific, they must be:

● Licensed: The main difference between a reputable lender and a non-reputable one is holding a license to lend money in the province they’re operating in. Every province has its own set of rules and regulations, and lenders must make sure they abide and are recognized by the government for their business practices. Having a license makes cash lenders most trustworthy and trusted by customers.

● Privacy and Protection: With so many data breaches happening recently, it’s hard for consumers to trust companies with their information. Reputable companies should focus on offering a secure and private application process to their customers. These companies also make sure that they have a secure system and portal in place that safeguards client personal information and banking details.

● Transparent: The difference between trustworthy lenders and questionable ones is their ability to be transparent in terms of borrowing costs, terms and conditions, and repayment policies with their customers. If you have to struggle to find crucial information on a lender’s website, chances are you’re better off with another company that makes important information readily available to customers.

● Offer Flexible Repayments*: Money lenders must offer flexible and convenient repayment options to customers, especially if they have poor credit. Most of them offer a minimum of 2-week term, up to 4 or 6 weeks to pay back the instant loan, regardless of the amount. It depends on the province you reside in, as each has its own set of rules and regulations to monitor repayment times and options. In certain cases, they even extend the duration of the emergency loan if the customer requests it. Make sure that the company you’re applying through joggers flexible loan terms and repayment options*.

● Have a Solid Customer Support Team: When you purchase a product or service, you’re bound to get in touch with customer service if something goes wrong. The same goes for when you’re applying for a quick loan. If you need an extension on your repayment term or have issues with your fast loan, you need to get in touch with someone from the lending company to help you and answer your questions. So, when you’re applying with a direct private lender, make sure they have a customer service team that is easily accessible.
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Payday Loans From Direct Lenders

Now that you know who direct lenders are and how they operate, it’s important to realize how borrowers can benefit from them. Payday loans from direct lenders offer an instant solution to temporary cash-flow problems.

Payday loans from direct lenders (no brokers) work the same way as any other short term loan. Borrowers can get up $1,500 without having to work with multiple lending companies or third-party brokers.

Unlike traditional loan places, money lenders are open 24/7/365. Depending on the payday loan company you select, you can apply online or in-store, and the application should only take a few minutes to complete. Most lenders process applications quickly and let you know if you’ve been approved or not almost instantly.

Once you sign the contract, you can get your funds sent via e-transfer within minutes. When you apply with iCASH, you can get funded within 2 minutes.

Typically, you have to repay the loan along with all applicable fees and interest by your next paycheck. Provincial laws determine the maximum cost of borrowing from an express loan.

Keep in mind that payday loan regulations are not the same in every province. Some aspects that can vary include the maximum amount you can borrow, the term, and whether or not you can extend your loan.

Anyone who is a Canadian citizen or permanent resident of Canada can apply with a payday loan company or direct lender.

If you find yourself in an emergency and need money right away, but don’t have access to funds, you can approach a real direct payday loan lender for help. Some examples of the different types of expenses you may need a quick personal loan for include:

● Urgent expenses
● Medical bills
● Home repair
● Car repair

Payday loans from direct lenders are unsecured, so you’ll not be required to put up any collateral in order to receive money. You will just need to meet our minimum requirements.

To apply with iCASH, you must:

• Be at least 19 years of age.
• Have Canadian citizenship.
• Show that you have been working with the same employer for the past 3 months.
• Have a net income of at least $800/month.
• Receive your pay via direct deposit.
• Have a Canadian bank account that which has been open for at least 3 months.
• Provide a valid mobile phone, email address, and home address.

When used responsibly, payday loans from direct lenders can help improve your financial standing.

Online Payday Loans from Direct Lenders In Canada

Not all online payday loans form direct lenders are the same. When you’re applying for an easy loan, make sure you’re aware of the following points when comparing different companies:

● Application process: Online payday loans should be made simple and should be completed as quickly as possible. If you’re struggling with completing a lot of steps when applying for a loan or have to go to lengths to fulfill extensive requirements, it would be best to opt for another lender.

Ask questions or look for information on the lenders’ website (before you start the application process) that gives you more information about their online application. You want to look out for how user-friendly their application process is and how much time it takes to process the borrower’s application.

Some lenders may ask you to fax in certain documents or request additional time to verify your credentials, which may not be the most convenient for you if you need a personal loan urgently.

● Credit checks: If you’re looking for online payday loans with no credit checks from direct lenders, chances might slim — at least with reputable companies.

Because there are many lenders out there, who may not be licensed, they may take advantage of a borrower’s situation and lend them money without assessing their ability to pay back the express loan, which is hard to do without a credit check. All reputable companies will run a credit check.

Best lending companies are likely to approve your money loan even if you have bad credit. They don’t base their approval on how high your credit score is; instead, they look at your entire financial borrowing and repayment habit.

● Borrowing costs: What kind of fees are you paying when borrowing money with this online direct payday lender? The fees and interest rates you pay depend on the amount of money you borrow and the province you live in.

Every province has set its own standard of borrowing costs, but that doesn’t mean all online loan lenders will charge the same amount. Make sure you know what fees come with the same day loan before you apply, particularly on what is allowed in your province.

While it may be wise to be cautious, there are many great online payday loans from direct lenders in Canada that offer borrowers ease and flexibility.

Some of the many advantages include:

● No credit score requirements: It doesn’t matter if you have bad credit or no credit, you can apply for an emergency loan.
● Online service 24/7: Need a loan urgently? Our e-Transfer loans are a great option because you don’t have to wait till business hours to go in person or apply over the phone for a loan. You can fill out an application anywhere, anytime.
● No paperwork: Unlike traditional lenders, you don’t need to supply documents or paperwork to get a cash advance loan online from a direct lender. Everything is done online, so you don’t have to worry about collecting and presenting bank documents, pay stubs, or other financial documents.
● Instant approval: Now, you don’t have to wait days to get approval for a quick installment loan. Instead, many modern lenders now offer instant access to cash, thanks to their simple online application and processing.
● Same day funding: Approved for an payday loan online with a direct lender? You can expect cash in your bank account within minutes through an e-Transfer or the next business day if you’re opting for a bank deposit.

Apply with a Direct Payday Loan Lender in Canada

There are many benefits to applying with a direct payday loan lender in Canada, including:

● A one-stop-shop for loans: Direct lenders are with you from start to finish, and customers normally deal with just one institution through the process. This makes borrowing much simpler and effective for both the borrower and the creditor.

● Secure information: When you’re working with a loan-matching service, your information gets passed on and shared with multiple parties.

When you’re applying for an installment loan with a direct lender, you can be sure that you won’t be getting an abundance of marketing calls after your loan application, because your data won’t be shared with external sources. Because you’re dealing directly with the company, your information is normally stored on their secure servers and protected from outsiders.

● Get the best value: When you apply for a one hour loan with a direct lender, you are getting the best loan because you’ve shopped around yourself and probably made sure you’re applying to a reputable lender with good rates.

While loan-matching services may offer a bunch of lenders, they might be biased in presenting certain top picks and may miss out on a few good ones. When you’re on your own, you can take out the time to look for lenders with good rates and specific to your needs.

When applying with a direct payday loan lender in Canada such as iCASH, your personal information is safe and secure, so you don’t have to worry about your information being vulnerable or shared with others.

iCASH is a direct lender, which means you don’t deal with an intermediary when borrowing from us. From the time of the application, up until the repayment of the loan, you deal directly with us.

Experience the difference for yourself and see why many prefer to borrow money with us. Our customers love that we provide a smooth, fast, and friendly quick loan experience every time.

When you’re ready to apply, follow these simple steps:

1. Visit our iCASH website or download the iCASH app on your phone.
2. Fill out your installment loan application and submit it.
3. Wait for our team to review your information and perform a credit check.
4. Receive an approval decision in minutes. Once approved, you’ll receive a loan agreement.
5. Sign your short term loan agreement and send it back to us.
6. Receive your funds within two minutes through an e-Transfer or the next business day if you choose direct deposit.

Apply with the best direct payday loan lender in Canada!

We are a licensed direct lender in these provinces of Canada

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

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Apply for Payday Loans from Direct Lenders!


Apply Online

Just use the simple form on our website – select the amount of cash that you want to borrow, your repayment plan*, provide some information and you’re on your way.


Instant Decision

Complete your loan application. You’ll receive an instant approval, so you can put your finances back on track. Fast, easy and reliable loans from a trusted licensed direct lender.


Get Fund

Your funds will be sent via e-transfer in 2 minutes or less. Our transfers mean your money is available anytime you need it. Safe, urgent loans online with same day funding.

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.

Direct Lenders FAQs

Are there any direct payday lenders online?

Many modern lending companies let you borrow money online. iCASH is one of them. You can apply for a fast and easy payday loan at any time of the day, with no paperwork or extensive requirements.

Can I get a bad credit loan from direct lenders?

Yes, you can get a loans for bad credit with instant approval from a direct lender. Licensed lenders will look at more than just your credit history when going through the loan approval process.

Are direct lenders safe?

Licensed lenders like iCASH, are safe. We adhere to several provincial regulations that are meant to protect the customer and provide transparency.

Is it better to go through a direct lender or bank?

If you are seeking a small loan, a direct money lender is your best bet to get funds fast. Depending on who you borrow from, you could receive your money within minutes of your loan being approved. Whether you have good credit or bad credit, banks do not approve loans as quickly as we do.
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!*

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