Emergency Loans

How Emergency Loans Can Help

When unexpected expenses arise, waiting for cash can be difficult. Emergency loans offer fast access to up to $1,500 for qualified borrowers needing short-term financial help. Unlike traditional banks, these loans provide instant decisions (conditions apply).

As long as you meet basic requirements—such as a steady income of at least $800 per month and an online bank account—you can apply, even with bad credit.

With a commitment to helping Canadians, iCash provides payday loans as a short-term solution for people facing unexpected financial emergencies such as:

• Automotive expenses – when your car needs urgent repairs to get you to work

• Dental emergencies – for unexpected treatments not covered by insurance

• Home repairs – to fix leaks, breaks, or other issues before they become costly problems

• Appliance breakdowns – when your refrigerator or other essential appliance stops working

• Medical expenses – for treatments or medications needed immediately

With a commitment to helping Canadians, iCash provides payday loans as a short-term solution for people facing unexpected financial emergencies.

Emergency Cash Options

It's always a good idea to find out what’s available if you’re exploring available cash options. Knowing the pros and cons of each choice helps you make better money decisions when you're in a hurry.

Get an Emergency Loan in Canada in 2 Minutes

When you're facing a financial issues, unexpected expenses can't wait. Get up to $1,500 in your account in just 2 minutes - even on weekends and holidays!"

✓ Fast approval based on eligibility, even with bad credit

✓ e-Transfer within 2 minutes of approval

✓ 1 million+ Canadians helped since 2016

✓ Thousands of five-star reviews on iOS/Android Store

Life's emergencies don't wait for bank approval, and neither should you. That's why we've made getting payday loans in Canada as easy as checking your phone - no lengthy paperwork, no waiting in line, just quick cash when you need it most.

Requirements to Get an Emergency Loan Online

To get an loan online, you must first meet the following minimum 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.

• 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).

• In some instances, you may need to provide a valid government-issued photo identification and possibly recent bank statements or proof of income.

If you meet the requirements on this list, then all you need to do is create your iCash account and follow the easy-to-understand instructions on applying for an emergency loan!

Options for Emergency Loans in Canada

Emergencies can strike when you least expect them, and that's why you can get a fast access loan (subject to approval) to help you. These types of quick loans are designed to offer fast and accessible solutions, providing financial help in your time of need.

If you need cash immediately, Canadians have access to different options, each catering to different needs.

Bad Credit

People with bad or poor credit history likely won’t get approved for a loan from a traditional institution like a bank. But if you need money now, applicants with poor credit may still qualify for a payday loan based on income and repayment ability.

It’s also accessible in the sense that the entire process, from applying to receiving your funds in the form of an instant e-Transfer, can all be done online, so you never have to leave your home if you’re seeking urgent loans for bad credit.

No Credit Check

No credit check loans are available to individuals with a less-than-perfect credit history, providing a lifeline when credit is an issue. 

It’s important to note that legit lenders will still perform a soft credit check even if they promote “emergency loans no credit check,” but decisions are based on factors like income and repayment capacity, rather than a person’s score.

If you’re looking for emergency no credit check loans, it’s important to know that all reputable lenders will always perform a minimum soft credit check, which is simply to verify your information and not a factor when it comes to approving individuals. 

Regardless of your credit history, you have the opportunity to secure the financial support you need during challenging times.

For Unemployed in Canada

If you're unemployed or don't necessarily have a regular source of income (but still receive income through things such as employment assistance or other government benefits), you can still qualify for loans for the unemployed in Canada. This includes unemployed loans Ontario residents can access, as well as options in other provinces where we operate.

The fear of being without a regular income can be overwhelming. They consider other factors, such as government benefits, or alternative income sources (such as self-employed freelancer workers).wat

Thankfully, online applications from iCash, offer a streamlined and user-friendly solution and since multiple forms of income are accepted, you can still qualify for online loans for the unemployed in Canada, even if you don’t have a job. So sign up today and get your cash e-Transferred to you in 2 minutes!