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Emergency Cash Loans

Get up to $1500 in Emergency Loans Online

Need an Emergency Loans for Bad Credit?

In the past, emergency loans in Canada were much harder to obtain than they are today. First, they were not available to everyone and for those that were qualified, you had to visit a payday loan store which were sometimes situated in bad parts of town.

Traditional loans can take a long time to get approved. The paperwork, the waiting, multiple visits to an office, notarizing documents – it’s slow and antiquated when you need an emergency loan for an unexpected event in your life.

We believe borrowing money in an emergency should be simple and fast, and we think we have a pretty good way to go about doing it. You can apply for an urgent loan on the iCASH website or via the iCASH loan app, get approved, and have funds transferred to you within 5 minutes via e-transfer. There are often no documentation requirements, minimal to no credit score requirements, and a total focus on convenience, speed, and service.

No matter what your circumstances, iCASH can help. We offer emergency loans online, also ranging from $100 to $1,500 in amount, with multiple installment repayment options*.

This is extremely important for those seeking cash loans in a crisis, where time is a factor. We know that your time is valuable, and you need financial flexibility as soon as possible to handle whatever life throws at you. At iCASH we’re here to support you in that quest.

You can get you the money you need in an hour or less from the time you start your loan application. You can apply for emergency cash loans 24 / 7, from the comfort of your home, and get funded fast. Upon being approved, for an express payday loan, we’ll provide you the funds you need via e-transfer within 5 minutes after we get your signed loan agreement. This is especially convenient during the cold Canadian winters.

When you need money right now in an emergency, the funds are made available to you and you’ll be able to use as you see fit. After all, you best know your own personal financial needs. It’s convenient, easy and smart!

When Canadians need instant emergency loan, their requests are urgent, and online money lenders should be just as quick in approving you for the funds that you need. Emergency payday loans online take just minutes to apply for and get you the cash you need that same day.

All of our cash loans are highly flexible, so that you can find the ideal solution to suit your financial needs. You can borrow any amount within the range we offer and choose from multiple repayment* terms and options.

Whether you live in Alberta, British Columbia, Ontario, New Brunswick, or Nova Scotia, you can get access to short term emergency loans with iCASH.

Emergency Loans for Bad Credit

To qualify for emergency loans for bad credit, direct lenders are usually more flexible on credit score requirements. Historically, traditional lending institutions demanded that Canadians have very high credit score to be eligible for a loan.

Online money lenders, have a different objective which is to help customers get the funds they need when they need it to help them manage their cash flow and monthly bills. Direct payday loan lenders have no deposits that need to be protected, as banks do because of regulations that are set in place. This means that emergency loans for bad credit from direct lenders can be easier to obtain, freeing Canadians from the stress and worry of getting the funds they need when unforeseen circumstances may arise.

The average Canadian credit score is around 650, however the majority of Canadian banks require credit scores of 700, 720, or even higher in order to offer any kind of loans to their customers. That disqualifies a lot of people throughout Canada from being able to obtain a loan. But with bad credit emergency loans, that’s no longer a problem!

At iCASH, we guarantee we will never decline your online loan application solely on the basis of your credit score once we perform a credit check. We purposely set our requirements to be as realistic as possible so that even if you have a bad credit history, you will most likely be able to get an emergency loan.

Canadians no longer have to wonder how to get emergency money with bad credit. Due to the advancement of technology, we make it easy for our customers to get urgent loans online.
Prior to approving a customer for a cash loan online, most companies almost always perform a credit check, but typically accept customers even with poor credit.

Many online money lenders have credit score requirements below 500, or no requirements at all to be eligible for an instant loan. Canadians can now finally get emergency loans even if they have bad credit so they can improve their financial situation, without having to worry.

With iCASH, you no longer do you need to wait days or weeks to find out if you’ve been approved. Just use our online application to apply for emergency loans for bad credit. Provide basic details about yourself, including the amount you like to borrow as well as what repayment schedule* you like to go with. In most cases, it should take you less than 10 minutes to apply for a loan and we’ll provide you with instant decision.

iCASH can get you approved for emergency cash loans in one hour and get the money in your hands via e-transfer within 5 minutes after you digitally sign your loan agreement online.

When you take out emergency payday loans, there are no limits on how you use the money that you borrowed. This gives you the freedom and the ability to make the best financial decisions for your unique, individual situation. Whether you put it towards paying your bills, urgent expenses, replacing or repairing appliances, paying your rent, you have complete control.


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 emergency loans are repaid and receive your Cashback direct into your bank account the same day. Real saving and real Money!*

Smart Phone

Get up to $1,500!

Try our mobile application!

Sign up with our free app and access your account anywhere.

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How to Get an Emergency Loan?

Apply Online
Apply Online

Start an emergency cash loan application online. It’s is easy with our online application. Choose your loan amount, repayment options*, along with basic information about you. It only takes 5 – 10 minutes to apply.

Instant Decision

Complete your application for instant emergency loans application, it will be evaluated by our software and a quick credit check will be performed. You’ll receive a quick decision and know if you were approved as well as the loan amount.

Get Your Funds
Get Fund

As soon as you’re approved for an urgent loan online, we will send you an email with your loan agreement which needs to be digitally signed. Funds will be sent to you via e-transfer within 5 minutes.

Minimum repayment period 61 days. Maximum repayment period 62 days. Maximum APR is 109,50%. For a $300 loan, the maximum total cost of borrowing is of $354. Interest fees: Alberta $15 per 100, British Columbia $15 per 100, Manitoba $17 per 100, New Brunswick $15 per 100, Nova Scotia $19 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
of approved applications
4.9out of5
customers would recommend us to their friends

Customer Rating
iCASH logo Traditional Payday Lenders Lenders with brokerage fee
Flexible repayment plans*      
Offers cashback program for more savings*      
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Emergency Payday Loan Online

Emergency Loans for Bad Credit

When you apply for a bad credit emergency loan in Canada, we look at so much more than just your credit score because you are more than the number in your credit bureau file! At all times, we are focused on getting the entire profile of a person and most importantly the person’s capacity to repay, and not so much the bad circumstances of your past.

Emergency Loans Online

If you're a resident of Canada, and you apply for an emergency loans online, your application is processed in real-time and we do not need you to come into an office to drop off documents or sign any paperwork. We cut out the red-tape: no faxing, no mailing, no in-person signing. The internet makes everything so much easier!

We pride our self on being fast to help you get the funds you need as quickly as possible, which is why we also offer same day loans to all Canadians.

Best Emergency Payday Loans

Canadians who experience an emergency in their life, have our commitment to be the best payday loans company by acting responsibly and ethically. There are no hidden fees and the loan details are explained in clear, understandable terms.

Our Customer Experience Team is available to answer any and all questions, 7 days a week. iCASH is licensed to operate throughout Canada.

Instant Emergency Loan

In the majority of cases when you apply for an instant emergency loan online, our sophisticated decision-making system allows you to get approved for a cash loan in one hour.

We believe that people who need money right away should get access to cash with instant loan approval. Simply start your loan application and you may be approved in less than an hour in many cases. We realize that your needs to obtain quick loans is not because of choice but at times due to issues that may come up which is why do everything we can to help you.

Safe Emergency Payday Loan Company

iCASH has invested in the latest 256-bit encryption technology to make sure that when you apply for an emergency payday loan, your application and all your data is 100% safe. We have established the highest principles and standards that are in line with the industry’s codes of ethics.

We are making sure that everyone in Canada has access to safe, smart and simple solutions when they need emergency loans.


If you’re new to the world of emergency loans, then it’s normal that you may have some questions on how to apply for a loan online, how the process works and what you need to do to instantly get approved. After all, doing some research and asking questions before you take out a short-term loan online just makes good sense.

To help you, we’ve put together a comprehensive set of Frequently Asked Questions (FAQs) for you, along with detailed answers. It covers some of the key topics that most frequently come up.

If you have additional questions that are not covered here, please feel free to explore the rest of the iCASH website, including our payday loan FAQ page, or reach out and contact one of our Customer Experience Advisors, via the iCASH Contact page.

Find out what our customers think about iCASH!

"Lindsay from Alberta"
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Read our customers stories

What is an emergency loan?

Emergency loans are loans that are meant to take care of short-term needs that came up unexpectedly.

Should you not have any saving fund that can take care of a short-term emergency, you can out an emergency cash loan.

Should you have bad credit history, borrowing from traditional lenders such as banks may be difficult which is why payday loans may be a good option for your short term emergency needs.

How Can I Get an Emergency Loan?

Applying for and receiving an emergency loans is easy. When you choose to apply online, it’s as simple as 1-2-3!

1.) Log on to and fill out the online loan application.
2.) Get an instant decision that’s based on your application and credit history. There are no minimum credit score requirements, and a poor score will not result in any kind of automatic declines.
3.) Upon being approved for a loan, digitally sign your loan agreement. As soon as we receive your signed agreement, we will send the money to you in as little as 5 minutes via e-transfer.

It really is that fast. 9/10 Canadians are approved for short-term loans at iCASH which is very good to know, particularly when you’re in need of access to funds quickly.

How Do I Know If I Will Be Approved for an Emergency Cash Loan?

Applying for an emergency cash loan is very fast and extremely easy. Just make sure you meet with our minimum requirements first, and you could have the cash sent via e-transfer in as little as 5 minutes.

  • Must be 19 years or older
  • Must have a home address, email address, and a working phone number
  • Access to online banking with a Canadian Bank, and have had the account for at least 3 months
  • Minimum net income of $800 per month
  • In receipt of the same source of income for a minimum of 3 months
  • You must be a Canadian citizen, and a resident of one of the provinces in which we operate, namely Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia, or Prince Edward Island.

Can I Get an Emergency Loan with Bad Credit?

If you need emergency loans for bad credit due to the fact that credit history is below average, you can still be approved for a loan of up to $1,500.

Having bad credit history will not exclude you from being approved for unsecured loans for bad credit. In fact, we approve over 90% of all Canadian loan application because we know that everyone has a past and that your past should not stop you from achieving your dreams today.

While we do perform a credit check as part of the loan approval process, your credit score is not a disqualifying factor. That’s just one more reason why many bad credit loan customers who need to get funds urgently love iCASH.

Can I Get an Instant Emergency Loan?

Instant emergency loans help Canadians when sudden unexpected circumstances arise. You can apply online and get funded in one hour. This can all be done online from the comfort of your home or office 24/7 which is especially convenient when a you need money fast.

When you take out an instant loan, there are absolutely no usage restrictions on how you use the funds.

An emergency payday loan can be much more effective at helping you manage your cash flow by getting you the funds you need to pay for expenses that suddenly come up. Furthermore, these types of online loans can potentially help you avoid paying late fees on utility bills, credit cards, insurance bills, rent as well as other type of payments which might be subject to late fees. You can apply for urgent online loans and get funded quickly.

This gives you a great amount of financial freedom, and the ability to make the best financial decisions for your unique situation.

How to Get Approved for an Emergency Loan Online?

You only need to meet the minimum eligibility requirements to apply for an emergency loan online. Assuming you do meet those requirements, you have a better than 90% chance of getting approved for a loan. Some helpful tips to improve your odds of being approved include:

• Be sure to fill out your online loan application honestly and completely along with your current home address.
• Be sure you’ve reviewed the minimum eligibility requirements and meet all of them before you apply.
• Double-check the information you provide, such as your email address, mobile phone numbers, bank account numbers, and so on. These are common places where people make mistakes that may delay their approval for a short-term loan.

Can You Get an Emergency Weekend Payday Loan?

Emergency Weekend Payday Loan are available allowing you to borrow up to $1,500, and pay it back in 1 or multiple repayments*, depending on the province you live in and your income cycle. This can really help make your financial life a bit easier, which is the main goal of our services. You are free to spend the funds as you see fit, from managing your finances to paying your bills as needed.

We also provide immediate decision on your weekend payday loans which can really be a lifesaver for many people and make the difference between being late on your bills, replacing a broken appliance or getting emergency car repairs. In a crisis, these type of loans from can help improve your life.

Despite being an entirely digital operation, we still have a well-trained Customer Experience team who are available to speak with you over the phone to answer any of your questions or help you through the weekend payday loan application. They are available 7 days a week, during normal business hours.