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Emergency Loans

Emergency loans are unsecured loans up to $1,500 designed to cover urgent expenses. They are a handy solution when you have no other means of covering unexpected costs. The quick application process and same-day approval make urgent loans the go-to solution for people in need of financial assistance.

When people need a loan urgently, they need to spend as little time as possible from the moment they contact a lender until they have the money in their hands. The flexible requirements and speedy application process make people choose emergency loans in Canada quite often.

With an emergency loan, you don't have to worry about justifying how you plan to spend the money; the funds are unrestricted. You can use the loan funds however you consider necessary and then pay it back in a few reasonable installments.*

So, the next time you think 'I need money urgently', an emergency loan can be the easiest way out of the financial hot spot.

Note shows the text emergency loan

How Can Emergency Loans Help You?

Many Canadians turn to these loans to pay for expenses such as:

Home repairs – so many things in your home can break down at the worst possible time, bringing both discomfort and a financial burden. It can be a broken heater, a leaky pipe, a small roof problem, a septic system repair, or handling water damage.

Appliance repairs or replacement – we rely on many appliances for our everyday comfort, and when one of them breaks down, it affects our routine and causes stress. Repairs or replacements are particularly important when it's an essential appliance like the air conditioning, refrigerator, electric heater, or your laptop.

Car repairs and maintenance – when you rely on your car to handle your daily schedule, you can't postpone repairs and maintenance costs. Loans for car repairs can cover the usual auto-related expenses, like changing the tires, small repairs, changing certain parts, or doing a maintenance intervention.

Dental and medical expenses – are often a problem, especially if you don't have good dental insurance. Emergencies like a root canal or a broken jaw cannot be postponed, and a cash advance can be the only solution to pay for these medical bills.

Vet bills – are dreaded by every pet owner. But when your little friend has a medical problem, you need to address it right away. Emergency pet care loans can cover the bills and ease your financial burden that month.

Rent or bills – may not be unexpected expenses, but they can still be urgent. People use emergency loans for bills when, for various reasons, they don't have sufficient money, and they want to avoid late payments and penalties.

As you can see, these cash loans are extremely versatile, offering an effective alternative in a wide variety of situations. An emergency loan is indispensable in between paychecks, and you need to take care of a problem immediately.

Emergency Loans for Bad Credit

An emergency loan for bad credit is a short-term loan with flexible credit score requirements and is accessible for people with a low credit score. Having bad credit can be a burden for those needing to borrow; however, it shouldn't be a concern anymore.

For people wondering, 'where can I get an emergency loan with bad credit?' the answer is through private lenders. These lenders use different criteria than traditional lending institutions when it comes to who can qualify for a loan. When it comes to emergency loans for poor credit or no credit, what matters is that you have the income to pay back the loan.

Apart from the frequent concern 'how to get emergency money with bad credit,' a lack of credit history can also be an issue for traditional lenders. Without it, there's no proof that you have successfully reimbursed loans in the past. This is not a problem for private lenders, in any case.

That doesn't mean a credit check won't be performed. Reputable lenders like iCASH run it as part of the verification process. But it's just routine; we don't base our assessment on it, and we don't require a minimum credit score to be eligible.

Furthermore, instant approval loans for people with bad credit are available even if you applied for a bank loan and you got declined. That decision won't influence the way we view your application. As long as you currently have the financial strength to reimburse the loan you need, we will approve it.

Providing collateral is another common concern when people want to apply for a loan. But bad credit emergency loans are unsecured, so you don't have to worry about using your assets as a warranty.

Apply for an Emergency Loan Online!

When you apply for an emergency loan online, everything will run smoothly and fast. If you have ever applied for a traditional loan, you know that it can sometimes take longer than you would want, and you may need to provide documents to support your application.

Getting emergency loans online means taking full advantage of the digital experience and skipping many unnecessary steps. These are online payday loans in the purest sense, as any unnecessary complications are removed, and you can handle everything from the comfort of your home or office.

As for finding the best online emergency loans, iCASH offers many advantages.

The online application process means you can apply from anywhere, even from work, during your lunch break. Applications are accepted any hour of the day or night; we are there for you 24/7, even during weekends and holidays.

Another advantage that the online application brings is that we got rid of the stuffy paperwork; all you need to do is submit your online application, which won't take up much of your time.

You can be approved within minutes. That's essential when you are dealing with an urgent situation. Your application is analyzed immediately, and you will receive an answer on the spot.

And, once your same day loan is approved, you have the benefit of immediate funding. If you opt for an electronic transfer, the money can be available in as little as a few minutes. If you choose iCASH, you can be sure the entire process is safe; your information is kept secure every step of the way, from the moment you apply to the reimbursement.

Because this is an entirely automated process, you may not need to communicate with us in person. Still, if you do, our customer support team is always ready to answer any question and offer you any assistance you need.

Considering all the benefits, it would be a shame not to take advantage of the possibility to handle your financial crisis in such an easy, safe, and fast way. After all, we live in the internet age, when more and more activities happen in the virtual environment. So why not also apply for an emergency loan online?

Emergency Loans from Direct Lenders

When you need emergency loans, direct lenders are the solution. They provide loans with a straightforward application process and flexible loan terms. You may find different types of emergency loans, but the essential elements are the same.

When looking for emergency loans in Canada, comparing lenders is important to ensure you are dealing with a reputable one. You can turn to private lenders for loans online or by going to a loan store in person. Either way, do a bit of research before and make sure the loan lender you choose has all the necessary certifications and is licensed to provide unsecured personal loans in your area.

iCASH is one of the top private lenders in Canada and an excellent choice when you are looking for emergency cash lenders.

There are many advantages to choosing iCASH. First, by operating online, the entire process is significantly simplified. Then, we provide a completely transparent and responsible lending experience; you won't find any hidden fees. All the information connected to the loan terms is available, and we will answer any question you may have.

Emergency loans from direct lenders need to be accessible and fast because people who apply for such loans are usually pressed by time and need to get the money as quickly as possible. That's what we offer here, along with reasonable requirements and a comfortable borrowing experience.

We also provide emergency loans in these provinces of Canada

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

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How to Apply for an Emergency Loan Online?

Apply Online

Apply Online

Apply in a few simple steps and get the money today. Complete the quick and easy loan application on our website – provide some personal information about yourself, select the amount of money you need, and the loan repayment schedule.*


Instant Decision

As soon as you send us your online loan application. You'll receive instant approval on your online loan 24/7, so you can take care of anything that life throws your way. Quick, easy, trustworthy loans from a licensed Canadian lender.

Get Your Money

Get Fund

Your money will be sent to you via e-transfer in 2 minutes or less. Email money transfer means that the funds from a payday loan can be accessed anytime, day or night, 24/7. Emergency loans 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.

Emergency Loans FAQs

What is an emergency loan?

An emergency loan is an unsecured loan for up to $1,500 that you can take out to cover unexpected expenses. They are unsecured instant loans that you can reimburse in one or multiple installments*, where local regulations allow it. If you opt for the online loan version, with a lender like us, they are also available around the clock.

How can I get an emergency loan?

You can get an emergency loan by contacting a private lender in your province. To apply for a loan, you could go to a loan store or look for an online lender.

At iCASH, you can apply anytime and anywhere, receive instant approval, and even get the money the same day.

Where can I get an emergency loan for unemployed people?

You can get emergency loans for unemployed people from direct lenders because their requirements are more flexible, giving you a good chance to qualify even if you are currently unemployed.

We offer you the possibility to borrow money even if your income comes from government benefits.

Can I get an emergency loan with bad credit?

Yes, you can get emergency loans for bad credit as long as you turn to the right lender. Like iCASH, direct lenders have flexible terms and no minimum credit score requirements so that you can qualify for a loan even with poor credit.

How do I know if I will be approved for an emergency loan?

Applying for an emergency loan is very fast and extremely easy. Just make sure you meet our minimum requirements, and you could have the cash sent via e-Transfer in as little as 2 minutes.

• Must be at least 19 years old.
• Must be a Canadian citizen and reside in the provinces where our services are available: British Columbia, Alberta, Manitoba, Ontario, Nova Scotia, New Brunswick, or Prince Edward Island.
• Must have been receiving the same source of income for the past three months.
• Have a net income of at least $800/month deposited in your bank account.
• Have a Canadian bank account that has been open for at least three months and has access to online banking.
• Have a valid mobile phone number, address, and email address.

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 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.
• 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.

Can you get an emergency weekend payday loan?

Emergency weekend payday loans 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 help make your financial life a bit easier. You are free to spend the funds as you see fit, from managing your finances to paying your bills as needed.

We also provide an immediate decision on your weekend payday loans, which can make the difference between being late on your bills, replacing a broken appliance, or getting emergency car repairs. In a crisis, these types of loans can help improve your life.

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 your home or office's comfort 24/7, which is especially convenient when you need money fast.

When you take out an instant loan online, 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, and other kinds of payments that might be subject to late fees. You can apply for urgent online loans and get funded quickly.
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 emergency money loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real money!*

# 1 Quick Emergency Loans

Emergency Loans for People with Bad Credit

When you apply for a bad credit emergency loan with iCASH, we look at so much more than just your credit score because you are more than the number in your credit bureau file! We focus on getting your entire profile, most importantly, your capacity to repay the loan.

Online Emergency Loans

If you're a resident of Canada, and you apply for 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 ourselves 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 being the best payday loan 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 questions seven days a week.

Emergency Loans with Instant Approval

In most 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. Start your loan application, and you may be approved in less than an hour in many cases. We realize that your need to obtain quick loans is not because of choice but because of issues that may come up, which is why we do everything we can to help you.

Safe Emergency Payday Loan Company

We have invested in the latest 256-bit encryption technology to ensure that your application and all your data are 100% secure when applying for an urgent payday loan. We have established the highest principles and standards-aligned with the industry's codes of ethics.

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

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Flexible repayment plans*      
Offers cashback program for more savings*      
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