Customize your instant loan
Receive your money by 9:15 pmMinimum
$100
$750
Maximum
$1,500
1
2
3
Elite
New customer
Prestige
VIP
Cost summary
Apply now and receive your money by e-Transfer at no extra cost.
Table of contents :
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.
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 some 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.
Knowing the difference between direct lenders and brokers can have a major impact on your borrowing experience, especially if your goal is to find quick and reliable financial solutions.
Borrowers can obtain loans from direct lenders without going through middlemen or intermediaries. Brokers, on the other hand, act as intermediaries between borrowers and lenders, searching for the best loan rates on their behalf.
The main benefit of working with direct lenders is the simplicity and speed of the loan process, especially when you need a short-term financial boost. Direct lenders streamline the loan application process, leading to faster approval decisions and fund disbursement. During emergencies, this makes a world of difference.
From application to approval and disbursement of funds, direct lenders handle the entire loan process. With iCash for example, the decision-making process is fast because there are no additional steps or approvals needed from outside parties.
So if you're seeking a quick $100 loan from a direct lender or a $300 loan from a direct lender, you can expect a straightforward process with practically zero hurdles.
Direct lenders like iCash will review your application, and with our automated process, will quickly give you a decision and disburse the funds in two minutes via a quick e-Transfer, if you’ve been approved. This efficiency is why many Canadians turn to direct lenders like iCash for their short-term financial needs.
Direct lenders also offer transparency throughout the loan process. Borrowers can ask questions and receive almost immediate answers so that they fully understand the terms of their loan before they even apply for it.
Another huge advantage is the personalized service direct lenders can provide. Lenders like iCash focus on the borrower's application and needs. This can lead to a more customized loan experience, with terms that fit the borrower's specific financial situation.
For Canadians in need of quick financial assistance, turning to direct lenders like iCash is a reliable option. Whether you're looking for a $100 loan from a direct lender or a larger amount of up to $1,500, the streamlined process, faster approval decision, and availability 24/7 make iCash to go-to choice for over 850,000 Canadians.
It’s always important to do your homework and choose a reputable money lender who offers fair terms and prioritizes customer satisfaction.
Remember, the right direct lender can offer you not just the financial support you need but also peace of mind during what can be a stressful time.
With direct lenders, you're not just getting a loan; you're gaining a partner in your financial journey. With iCash, whether it’s early in the morning, late at night, a weekend or a holiday, we’re here for you. Apply for your iCash loan in minutes and get approved quickly!
There are a variety of options that exist for people seeking direct private lenders for personal loans in Canada. These lenders offer personal loans directly to Canadians, bypassing traditional financial institutions like banks. This direct lending approach has several benefits, especially for those who might find themselves with an immediate need for cash, if they’re dealing with an emergency.
This means that when you apply for a loan with a direct private lender, you're dealing directly with the source of the money. This can make the whole process much quicker and more straightforward if you want to borrow money.
This direct approach can be a life saver for Canadians looking to borrow money. It eliminates many of the barriers and delays that come with traditional bank loans, such as lengthy application processes and credit requirements that are practically impossible to meet. Direct private lenders use different criteria to evaluate borrowers - criteria that is usually much easier to meet for many people.
Unlike banks, which typically rely on tough criteria and scrutinizing credit scores, direct private lenders can afford to be more flexible.
They can look at the bigger picture of a borrower's financial situation, considering factors beyond just credit scores like the amount of income earned for the month, and even the source (doesn’t always have to be regular employment). This approach means that even if you've had trouble securing a loan from a bank, you’ll probably being able to get a personal loan from a direct private lender.
This helps so much for people who need personal loans to navigate through financial emergencies. Whether it's for medical bills, home repairs, or even consolidating debt, direct private lenders can provide the funds you need without the long wait times and the often discouraging “one-size-fits-all” judgment of traditional banks.
In general there are several benefits to going with direct private lenders. First, the application process is usually faster and less complicated. Since you're dealing directly with the lender, much of the red tape is cut out, leading to quicker loan approvals.
A wide range of people, including those with diverse credit histories, can access personal loans thanks to the flexibility in acceptance criteria. This is a huge advantage for many Canadians who find themselves needing financial assistance but are unable to secure it through traditional means.
Some direct private lenders also provide more adaptable repayment plans*, understanding that everyone's financial situation is different. This means you could work out a repayment schedule that fits your financial circumstances, potentially avoiding the stress of repayment. Rules and regulations apply depending on the province you reside.
It’s always a smart idea to approach borrowing from direct private lenders with the same diligence you would any financial decision. Researching and choosing a reputable lender is key to a positive borrowing experience. Look for lenders like iCash who are transparent about their terms, have good reviews from other borrowers, and are willing to answer any questions you have upfront.
No denial payday loans from direct lenders, only in Canada, are essentially a type of loan with a high approval rate. What this means is that more people can have access to the funds they need in emergencies.
"No denial" payday loans from direct lenders are financial products that aim to minimize the barriers to loan approval. These payday loans offer a more inclusive approach than traditional loans, which often result in loan denials for people with poor credit (often as a result of situations beyond their control).
Direct lenders of “no credit check no denial loans” prioritize a person’s ability to repay the loan over their credit score. This increases the chances of loan approval for a wider range of applicants. High approval payday loans from direct lenders are especially beneficial for those who need urgent financial support but fear rejection due to their credit history.
Direct lenders can offer loans to those who would otherwise be denied because they look at factors other than credit scores, such as income stability and current financial obligations, meaning more people can access financial help when they need it most, without the uncertainty and stress of traditional loan applications.
When applying for a payday loan from a direct lender, the process is straightforward. With iCash, you simply need to meet the following criteria:
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. (AB, ON, BC, MB, NB, NS, PEI)
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).
Payday loans from direct lenders offer Canadians needing immediate financial support a lifeline, regardless of their credit history. Managing repayment responsibly and understanding the criteria can help people confidently navigate financial emergencies.
Applying for a payday loan from a direct lender comes with the advantage of a quick and easy application process. With online applications, anyone can apply from the comfort of their home. With iCash, you can apply via our website or with our downloadable smartphone app. It’s that easy!
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.
Direct lender payday loans work the same way as any other short term loan or cash loan in Canada. Borrowers can get up to $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 must repay the loan and 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 for payday loans from 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
When used responsibly, payday loans from direct lenders can help improve your financial standing.
Dealing with direct payday loan lenders means enjoying a level of convenience and efficiency that's hard to match with other traditional lenders. These lenders simplify the borrowing process from start to finish for Canadians in need of quick financial assistance. This direct approach has many advantages, especially in terms of the application process and the speed of receiving loan funds (if approved).
One of the standout features of direct payday loans like iCash is our straightforward application process. Unlike traditional loan applications, which can be lengthy and complex, applying for loans with direct lenders like us is quick and easy.
Anyone can fill out an application online in just a few minutes, providing basic personal and financial information. This hassle-free process is particularly appealing for those who need funds quickly and don't have time to deal with piles of paperwork.
Direct payday loan lenders make it accessible for people to get the help they need without delay. It’s so easy that anyone can apply for a loan, regardless of their technical skills or financial knowledge.
With iCash, once the application is submitted, our automated process examines your information and makes an immediate decision. This means you don't have to wait days or weeks to find out if you’ve been approved for a loan.
The quick turnaround is so critical for those in urgent need of funds. Whether it's an unexpected bill or an emergency expense, direct payday loan lenders understand the importance of speed. We understand that you can’t simply wait around to deal with your financial issues.
Direct payday loan lenders also offer flexibility that borrowers appreciate. For instance, loans like iCash provide options for installment money back*, allowing borrowers to repay their loans over time in a way that fits their financial situation. This is, however, dependent on provincial regulations.
When you need to get cash as quickly as possible, and your regular paycheck just isn’t enough to cover your expenses, turning to direct payday advance lenders is the way to go. Known for their speed and efficiency, these lenders specialize in providing quick emergency loans, with funds that are available within 2 minutes of approval.
For many Canadians facing unexpected expenses, such as emergency repairs or medical bills, this quick access to funds makes a world of difference. This expedited service is possible because lenders like iCash have streamlined the application and approval process.
This means that if you apply for a quick emergency loan and get approved, you’ll get your funds sent to you via e-Transfer in 2 minutes - meaning any financial issue can be dealt with as quickly as possible.
Applying for a loan with direct payday advance lenders is easy. Fill out an online form, provide some basic personal and financial information and you’re done. Most people only need about 10 minutes to complete the application with iCash.
Our automated system makes the decision-making process instant. We understand the urgency of the situations Canadians face on a daily basis, which is why we work tirelessly to ensure that decisions are made fast and funds are released as soon as possible.
If you find yourself in a situation where every minute counts, turning to a direct payday advance lender for a quick emergency loan could provide the financial support you need in the blink of an eye!
If you need money fast but don’t have time to wait for the long process of traditional bank loans, then turning to direct payday lenders online may be a viable solution for you.
The convenience of accessing financial services online is particularly easy through direct payday lenders. Through these platforms, Canadians can apply for loans from anywhere, at any time.
This flexibility, along with an incredibly quick verification process, has made online payday loans from direct lenders an increasingly popular choice for Canadians needing immediate financial assistance.
Gone are the days when obtaining a loan meant visiting a physical location during business hours. Now, whether you're at home, at work, or even on the move, accessing financial support is just a few clicks away.
With iCash, all you need to do is fill out the digital application form and submit it. This can be done at any time, day or night, and even on weekends and holidays. Then, through our automated process, you’ll get a decision regarding your approval almost instantly.
For Canadians with less-than-perfect credit, this is also a huge deal. Many online direct payday lenders offer bad credit personal loans with guaranteed approval in Canada. This means that even those with a poor credit history have a chance to secure the financial assistance they need.
Whether it's an unexpected bill or an emergency expense, online payday loans from direct lenders ensure that help is always within reach, even for those with bad credit.
In Canada, iCash is a direct lender, and 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, whether you need a payday loan in Toronto or a payday loan in Alberta.
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 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 iCash 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.
Behind each review is an experience that matters
Since 2016, we've helped over half a million Canadians get instant loans online.
Since 2016 we have happily served over half a million customers.
Read more reviews.
How our direct loans work
Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.
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!
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.
We help our members get their finances back on track
Have more questions? Check out our full FAQ.