Express Loans 

Get fast, convenient express loans for urgent expenses. Minimal eligibility requirements, instant approval, and rapid funding via e-Transfer, 24/7. Experience hassle-free borrowing for any emergency or short-term financial need. Apply now!

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Understanding Express Loans

Express loans are short-term loans that bridge the gap between paychecks or other sources of income. These loans are small in amount and cover immediate financial needs such as emergency medical bills, utility bills, car repairs, etc. Funding takes just minutes, perfect for anyone needing fast cash access.

Get an express loan through various financial institutions. However, with the rise of online lending companies, obtaining this type of loan has become more convenient and accessible to more people. 

Online express loans are popular due to the quick and easy application process. Applicants complete a short online form and receive an instant approval decision. This eliminates the need for lengthy paperwork and waiting periods, making it a faster and more convenient option if you need immediate cash. 

Express funding works much like loans for your payday. They come with shorter repayment periods, up to a maximum of 62 days. Quick payday loans are also accessible to most financial situations, including those with poor credit history. 

Looking for immediate financial assistance? Express loans allow you to access cash in 2 minutes or less. With lenders like iCash, hours of operation are convenient - 24/4, anytime, anywhere. Apply for a loan now and get up to $1,500.

Express Payday Loans

Express payday loans are a popular financial solution for many individuals. They give you a fast and easy way to cash advance in Canada in minutes. Use them to bridge financial gaps or to cover urgent expenses. 

Cash express payday loans can cover the following types of expenses: 

  • Car repairs 

  • Medical bills or emergency vet bills

  • Utility bills

  • Home renovations or repair costs

  • Tuition or other school-related expenses

  • Urgent travel costs 

Payday loans, like express loans, have smaller borrowing amounts. Borrow between $100 - $1,500. This amount varies depending on the lender and the borrower’s financial situation, but it’s typically enough to cover urgent expenses. 

Repayment terms work with your pay cycle for easier management. This is also helpful with non-traditional income, including government benefits or pensions. Pay the loan with your next pension payment or government benefit disbursement. 

If you’re looking for an express payday loan near me, search for lending companies online. Many loan providers offer the option to apply and receive funds entirely online. This means no long wait times or in-person appointments. 

Can I apply for express loans with bad credit? 

Yes, you can apply for express loans with bad credit. Traditional lending institutions may reject loan applications based on poor credit history. However, payday lenders focus more on current income and repayment ability.

Express loans with bad credit are typically unsecured loans for personal use. This means you don’t provide collateral to secure the loan. Simply provide proof of income and banking details to secure instant funds. 

Express Loans Canada

Express loans Canada offers immediate funding for various expenses or financial emergencies. Canadians can easily access this type of loan from online lending companies. They are available in most provinces, making it an accessible option, no matter where you’re located. 

Effortless loan applications are available for all Canadians. Whether you live in a rural area or a busy city, express cash loans are a click away. This allows for instant funding from any location the lender serves.

The minimal documentation requirements are another added benefit.

This means less paperwork than with a traditional loan. Online loan companies use automated systems to process everything electronically.

What are the eligibility criteria for express loans in Canada? 

The eligibility criteria for express loans in Canada are easy to meet. The minimal requirements for these loans make them more accessible to a range of people. 

Here’s what you need to qualify for quick loans and other types of speedy financial solutions: 

  • You must be a Canadian citizen or permanent resident. 

  • You must be at least 18 years of age (19 years of age in British Columbia, New Brunswick, and Nova Scotia). 

  • You must have an active bank account set up with online banking capabilities. 

  • You must not have any outstanding or recent unpaid loans. 

  • You must have a home address and a valid mobile phone number. 

This is the basic eligibility criteria for express loans Canada. Although the requirements may vary by provider, most follow these basic guidelines. 

Express Loan

Express Loans Online

Express loans online are the simple solution to urgent financial needs. The entire process, from application to loan disbursement, takes place online. It’s a seamless way to borrow a small amount of money

The online landscape offers a variety of loan services. This gives you the power to compare loan providers, view loan options, and choose the best financing solution. Never has it been easier to find a loan to match your needs and financial situation, all from the convenience of your home.

The process of applying for rapid online loans is also quick and easy. For example, applying via the login dashboard allows you to keep track of your application status in one, integrated place. It’s a perfect option if you prefer a more hands-on approach. 

In addition to convenience, these loans ensure privacy and security. Online loan companies use advanced encryption and security measures to protect your information. This way, you can apply with confidence, knowing your data is safe. 

Are there online options for express cash loans? 

Yes, there are online options for express cash loans across Canada. The various types of prompt cash loans available online include the following: 

  • Fast e-Transfer loans 24/7: Receive funds via email with fast e-Transfer loans, 24/7. They are a great option if you need immediate cash at any time of day or night.

  • Easy loans: These easy-to-qualify loans have minimal eligibility requirements, making them ideal for people with credit damage or no credit history.  

  • Quick loan 24/7: With 24/7 funding options, you’ll receive funds immediately, even outside traditional business hours. Get a quick loan anytime, anywhere - even on weekends and holidays!

  • Online payday loan: Loans online for payday offer express access to funds. They come with a short repayment period, designed to cover immediate expenses until your next payday.

Frequently Asked Questions About Express Loans

How fast can I get an express payday loan? 

Get an express payday loan in 2 minutes. Online lending platforms make the process fast and easy. They use advanced AI software that enables expedited loan processing and provides an instant approval decision.

Funding occurs immediately after approval. Get your cash via e-Transfer and use it for any smaller purchase you need to make. It’s fast, easy, and hassle-free. 

Is a reliable provider for express loans? 

Yes, iCash is a reliable provider of express loans and other types of instant approval loans. With years of experience in the loan industry, we offer fast-track payday advances to all eligible Canadians. We hold licenses in all operating provinces and can ensure a safe and secure borrowing experience, every time. 

Are there any hidden fees with express payday loans?

There are no hidden fees with express payday loans. All reputable lending companies, like iCash, are transparent about their fees. This will outline all costs associated with the loan, including interest rates and other additional charges before you sign the loan agreement. 

Working with a responsible loan company ensures that you’re not blindsighted by any hidden fees. Of course, you should carefully read and understand all terms and conditions before agreeing to any type of loan. 

How does the repayment process work for’s express loans? 

The repayment process for’s express loans is flexible and easy. Depending on your location, you’ll have between 1-3 repayments with a 62-day term. Choose to repay the loan in one lump or through installments. This allows for manageable payments that fit into your budget. 

Plus, with no early repayment penalties, you have the option to pay off the loan early. Pay the loan through an easy e-Transfer from your bank account on your scheduled repayment dates. 

Express Cash Loan

An express cash loan gives you instant funds for small purchases you need to make. No waiting for approval, no complicated paperwork. Apply online and receive your cash in just a few minutes. A simple e-Transfer allows you to access the funds immediately. 

With an express cash loan option, you won’t have restrictions on how to use the money. Whether it’s for unexpected bills, home repairs, or something else entirely different, you have the flexibility to use the funds as needed. 

Good credit, bad credit, or no credit at all - cash loans provide immediate funding solutions for all types of credit scores. Everyone’s financial situation is unique and deserves access to quick and convenient cash loans

Express Loan with iCash 

Getting an express loan with iCash is the solution to your immediate financial needs. With a simple application and instant approval, receive funds in just minutes. Plus, you’ll have the power to use the funds as needed. 

Competitive rates and flexible repayment options make this type of loan ideal if you’re looking for a fast and easy way to access cash. Don’t let extra expenses overwhelm your finances - apply for an iCash express loan today and get the funds you need. Download the iCash loans app or visit our website to get started!

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iCash is a member of the Canadian Consumer Finance Association.
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iCash uses Interac e-Transfer to send loans to our customers.
iCash uses Equifax technology to improve our lending solutions.
iCash is owned by women and promotes diversity, equity, and inclusion.

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Apply Online

Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.

Sign up and apply online or on our app.

Instant Decision

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!

Get a decision instantly after completing our paperless loan application.

Get Funds

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.

Receive your money by e-Transfer within minutes of signing your agreement.

How to get an express loan

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Frequently asked questions

How to qualify for an express payday loan?
If you meet the basic requirements, then you’ll qualify, and express loans online are the perfect choice for you. All you have to do is to start filling out the application online and 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.
  • 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).
How can I get an express loan with bad credit?
There are no minimum credit score requirements to get an express loan. While a credit check is performed as part of the approval process, it’s just one of many things that we look at and having bad credit is not disqualifying. Even if you have limited or bad credit, that does not stop you from getting a quick money loan.
We believe that you’re more than just a number. Too often, credit scores are used as a substitute for thorough vetting and analysis of potential borrowers by online lenders.
Our main consideration in the lending decision is whether or not you have the financial means to repay your express loans*. We don’t believe you should be excluded from getting the urgent funds that’s needed because of your credit history.
While no lender can offer guaranteed payday loan approval, we can promise you that we will never reject your application solely based on credit score!
Can I get an express loan the same day?
With an express loan in Canada, you can get the money you need that same day any time of day, any day of the week, any week of the year. Since everything is done online and is automated, round-the-clock service is possible.
You can apply whenever you want, and your approval is handled by our software. The loan agreement is made available digitally and requires only a digital signature that takes just seconds to complete through our website.
And then the funds are released so they’re available that same day, not just during traditional “bank hours.” If you choose the e-Transfer option, funds from express loans are available in 2 minutes following receipt of your signed loan agreement. They’re not called “express” for nothing!
Which loan company is best for express payday loans?
As a leader in the industry, iCash is considered the best online express payday loans in Canada. It is the preferred choice for many of our customers, for a variety of different reasons. The speed and convenience as well as affordable competitive interest rates are two more reasons. As a bonus perk, a cashback rewards program* that is very appealing to many customers.
But beyond all that, a commitment to quality and service. We want to grow a relationship with you as a customer. When you choose iCash, we want to earn your trust, respect, and keep you as a customer.
Towards that end, iCash is a licensed and certified direct-to-consumer lender. That means we’re regulated by the provincial government authorities in every province in which we operate. Many of our competitors can’t say the same which leaves many consumers with little protection and little recourse if there is a dispute or issue.
As a Canadian based company, we comply with all Canadian laws, embodying Canadian values like trust, honesty, transparency, ethics, and responsibility.
We’re here to earn your trust and serve Canadians with all of their needs.
Who can I contact regarding my express loan?
A team of dedicated and knowledgeable customer experience advisors that are available by phone and e-mail to help you. We also have an online knowledge base of articles and payday loan FAQs that answer the most common questions about your options when it comes to express payday loans.
Most people find the answers they’re seeking within these resources, which we provide for your convenience. So much of our online lending process is automated, that we figured a help option should be as well.
But we recognize and respect that sometimes, you just need to talk to a real person. Please, feel free to reach out and contact iCash, and we’ll be happy to address any questions, concerns, or issues you may be having. Our team is based in Canada and speak both official languages. They are available from 9 am to 9 pm Eastern time Monday to Friday, 9 am to 5 pm Eastern time on Saturdays, and 12 pm to 5 pm Eastern time on Sundays.

Have more questions? Check out our full FAQ.

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