Flexible & Safe Emergency Loans

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Instant Emergency Cash Loans Online

Get up to $1500. Low Rates. 5 minutes e-transfer

Need an Emergency Loan?

Traditional loans can take ages 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 can and should be simple and fast, and we think we have a pretty good way to go about doing it. You can apply for an instant online 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.

This is extremely important for those seeking emergency loans, where time is a critical 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.

Picture this – you’re driving home in a snowstorm. You can barely see, it’s coming down so heavily. Out of nowhere, a Canadian moose jumps in front of your car. You swerve to avoid him, and you do, but your front passenger-side wheel slams into the curb with a sickening crunch. Something is bent out of shape, and it’s probably your wheel. This is going to be costly. You need a tow, and to get your car repaired.

Now you need to come up with some emergency cash so that tomorrow, you can pay the mechanic and get your car fixed and get back on with your life. You need an emergency loan. You need iCASH.

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

Unlike traditional payday loan lenders, where consumers may have to make multiple visits to a branch office, get documents notarized, fax or mail documents, provide proof of income, and otherwise spend hours or days’ worth of time to get their funds, we provide fast and convenient emergency cash loans.

You can apply for an emergency loan online 24 / 7, from the comfort of your home, and get funded fast. This is especially convenient during the cold Canadian winters.

At the same time, we recognize that questions do come up, and sometimes you need to talk to a real person. So, there’s a fully-staffed team of Canadian Customer Experience Agents who speak your language. They are available during normal business hours, 7 days a week, to answer any questions that you may have.

Of course, one of the most important aspects that we hold is our Canadian values. We pride ourselves on being an ethical and responsible lender, offering short-term loans to as many people as possible, while ensuring we don’t loan customers more than they can afford to repay. Our goal is to help people improve their financial situation when they need emergency money.

Likewise, we believe in transparency. There are never any surprise or hidden fees and all of our loan terms, interest rates are clearly spelled out as part of the loan application.



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 loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real Money!

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How to Apply for an Emergency Money Loan

Go Online
Apply Online

Starting your loan application is quick and easy. Just log onto our website or the iCASH loan app that’s designed for iOS and Android, and fill out the basic information form, loan amount and then hit submit. It takes about 5 to 10 minutes.

Quick Approval
Instant Decision

Almost instantly an automated algorithm provides a decision on your loan application. We know your time matters and make every effort to provide approvals on an emergency loan as fast as we can.

Funds Available
Get Fund

Once you’re approved, sign your loan agreement online, submit it back, and you’ll funds are sent to you via e-transfer within 5 minutes.

Loan terms vary from - 62days. Maximum APR is 109,50%. For a $300 loan, the maximum total cost of borrowing is of $354. No minimum repayment period.
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members since 2014
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What Kinds of Emergencies Can I Use Loan Funds For?

Car Repair

As mentioned above, car repair is a common reason why customers seek emergency cash immediately. Whether you’ve been in an accident, or your car breaks down unexpectedly from wear and tear, getting back on the road as soon as possible is your top priority.

Garage or mechanic bills can be hard to manage, especially when the work is unplanned – like all predicaments. With a quick cash loan, you can pay your mechanic, get your car back in good working order, get back to work, your family to Tim Hortons for a hot coffee on a cold winter day in Canada.

Home Repair

Don’t you hate it when a Canadian winter storm knocks down a tree, and it smashes part of your roof? Okay, that doesn’t happen every day – though it does more often than you think! Insurance payouts can help, but don’t always cover everything – and can sometimes take weeks or months to receive.

You can’t have a hole in your house in the middle of winter in Canada! An emergency short-term loan can help you pay a contractor to get repair work going right away, without delay, so you don’t turn into a human ice pop.

Replace or Repair Broken Appliances

It looks like your string of bad luck is continuing! No sooner have you got the car repaired and house fixed up, and your heater decides to call it quits. Now you’ve got no heat in the middle of winter – that’s not just inconvenient, it can be a life-threatening crisis.

Don’t worry, though, you can get it repaired or replaced. An emergency personal loan is the go to choice when you need money now, to make urgent repairs or replacements to home appliances that you simply cannot live without.

Unexpected Bills

Bad news, it looks like that moose you swerved to avoid earlier got himself a moose lawyer. He’s suing you for emotional trauma from his near-miss with your car. You think it’s absurd – and it clearly is – but agree to settle with the moose to make this nightmare go away. All he wants is $500 worth of moose treats, and you’ll never hear from him again.

These unexpected bills can easily be handled with an emergency personal loan. And we promise not to tell anyone you paid off a moose – we won’t even know, because what you use the money for is your business and your business alone.

Family Emergencies

Uh oh. More bad news. When your Dad heard you paid off a moose (we didn’t tell, we swear) he had a nervous breakdown. He’s fine though, the doctors are sure of it, and there will be no lasting damage, thankfully. But he’s in the hospital and you feel duty-bound to go visit – after all, it was sort of your fault, wasn’t it?

An airline ticket and a hotel room weren’t in your budget for this month, especially the way things have been going recently. You need an immediate short-term cash loan to visit your family for this “crisis” and apologize for the moose-related mayhem.

How quickly can I get my money when I apply for an emergency loan?

iCASH knows time matters when you need money after an unexcepted situation comes up. The loan application process takes 5 to 10 minutes in most cases, with an approval decision shortly after that.

The loan agreement can be signed and sent back, and your emergency loan funds will be sent to you via e-transfer in as little as 5 minutes following receipt of your signed agreement.

Social benefit Emergency Loans

iCASH has an $800/month minimum net income requirement as part of our eligibility criteria for taking out social benefit loans. For the purposes of determining net income, it includes all income sources, including pay checks, tips, direct deposits, along with government social benefits such as the child tax, pensions, ODSP, AISH, OAS, and CPP income. If the combined total of all of your sources of income is at least $800 per month, then you meet the income criteria for a loan.

How do I repay my emergency loan?

We don’t want you to worry about your short-term loan – it’s more important you focus on taking care of your emergency and getting things back in order. We’ve made it very simple to repay your short-term loans.

On the agreed-upon repayment date or installment date, the principal plus interest that is due is automatically debited from your bank account – the same bank account we deposited your loan funds into.

You don’t need to remember to send a check or cash, or fill out some payment voucher, or even go to the iCASH. It’s all handled automatically.

iCASH also has a Flexpay where you pay back your loan in 2 or 3 equal payments.

Emergency loans for bad credit?

Some lenders flat our refuse applications based on credit score criteria. We don’t think that’s fair, especially in an emergency situation. At iCASH, while we do a credit check as part of the approval decision, it’s only one factor that we consider. We will never reject an application automatically based on your credit score. Many people have been able to successfully get emergency loans for bad credit from iCASH without issue.

What else should I know about emergency loans from iCASH?

There’s a lot more to learn about emergency loans from iCASH. You can find comprehensive guides, blog articles, and more all across our website. They help explain the lending process and offer advice on various lending topics in general. In addition, we have a dedicated payday loans FAQsection, that offers direct answers to many common questions that customers have about short term or emergency loans.

Please explore our site – an informed customer is our best customer – and we look forward to serving your lending needs!