Instant Loans

Get instant loans up to $1,500 with 2-minute e-Transfers from iCash. Quick approval decision, flexible repayment, and 24/7 online access. Apply now and get the funds you need within minutes.

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Download iCash on the App Store.

Customize your instant loan

Receive your money by 9:56 pm

Minimum

$100

$750

Maximum

$1,500

1

2

3

Elite

New customer

Prestige

VIP

Cost summary

Cost
$85.50
Cashback
-$53.16
instant-loans
interac

Apply now and receive your money by e-Transfer at no extra cost.

Instant Loans in Canada

Need cash right now? We get it - sometimes life can't wait for lengthy paperwork and bank visits - and that’s where instant loans in Canada come in. We've made borrowing money as easy as ordering takeout! Get up to $1,500 sent straight to your bank account in just 2 minutes with our instant online loans.

Just grab your phone, tap through our super-simple application, and you'll have money in your account faster than you can say "Interac e-Transfer." No stress, no waiting around - just quick, friendly service when you need it most.

If you're looking for an online loan with automated approval, iCash is the go-to provider. You can apply from anywhere. Plus, we offer flexible installment loans with 2-3 repayments* in most provinces throughout Canada. Sign up today and get approved instantly.

What are Instant Loans?

Instant loans are type of loan meant to be accessible in a way that’s far more easier (and faster) than traditional loans from a bank. Unlike the latter, an instant loan can be applied for and received within minutes, usually of amounts up to $1,500. Their purpose is to help anyone deal with unexpected expenses, such as a car breakdown, higher-than-usual utility bill, etc.

Over the years, online instant loans in Canada have become increasingly popular due to their accessibility. The entire process can be done online - from application to receiving the funds via e-Transfer. This is a huge benefit, especially for Canadians who may not have the time, or ability, to travel to a physical location in order to complete this process.

That's why we've streamlined everything, so you can handle life's financial surprises with confidence. You can apply 24/7, even on weekends and holidays, and get your money almost immediately, ensuring that you handle any financial emergencies swiftly.


Instant Online Loans Made Simple & Fast

Getting an instant loan online in Canada has never been easier thanks to online lending. You can expect a fully digital experience with iCash that lets you borrow up to $1,500 without ever leaving your home. 

Everything happens online - from application to approval to receiving your money. No paperwork to print, no documents to fax, and no in-person visits required. Just use your phone or computer to complete our simple application, and you could have money in your account via e-Transfer in as little as 2 minutes.

Our smart technology makes instant decisions, so you'll know right away if you're approved. Skip the traditional bank visits and experience the convenience of truly instant online loans with iCash.

Get No Refusal Instant Approval Loans

We understand that when you need money, you need it fast. That's why our approval process is automated, which means that you can be approved in minutes. 

We also use the same 265-bit encryption technology as banks to ensure that your information is 100% safe and secure. Our quick approval process means that you won't have to wait around to get your cash. When we say instant, we mean it!

Getting a no-refusal approval loan with iCash is easy. Simply download our app or sign up and complete the online application. We'll ask for some basic information, such as your name, contact information, and income details. 

Once you've submitted your application, you'll receive an automatic decision and get the funds into your account within 2 minutes.

Say goodbye to in-store payday loans and switch to iCash!

Canadians are tired of going to payday loan stores just to borrow a few hundred bucks. That’s why we’ve helped more than 1 million happy customers get payday loans online. No more paperwork, no more cheques!

If you're looking for an online loan with automatic approval, you'll want to make sure the lender you choose is reputable and trustworthy. You should also know how their lending process works, and what to expect.

Short-term loans available 24/7

Making financing convenient for our customers is a top priority, which is why our short-term loans are 100% online. You can fill out our application from work or the comfort of your own home. There's no need to visit a store or fax in any paperwork. 

We also have a mobile app for an even easier experience. Plus, our customer service team is available around the clock to help. There’s never been an easier way to obtain 24/7 Installment loans online.

Same-day funding

Many lenders can take hours or even days to approve personal loans in Canada. We can do it all within the same day. In most cases, you'll receive your money within 2 minutes of being approved and signing your agreement Our same-day cash advance services mean you won't have to wait around. Once you receive your cash, you can use it for anything.

Lending Requirements For Instant Loans


To qualify, you simply need to:

Instant e-Transfer Loans Available 24/7

We understand that sometimes you need money urgently, and that's why we offer instant e-Transfer payday loans 24/7. You can apply any time, day or night, and you'll receive a decision in seconds. We'll immediately send you the funds by Interac e-Transfer.

Plus, our online application only takes a few minutes to complete. There's no need to visit a store or fax in any documents, which is why so many Canadians choose us as their #1 alternative to in-store lenders. If you have any questions, our excellent customer service team is available 24/7 to help.

Canada’s #1 Instant Loan Provider

Even though you work hard to make ends meet, life can still throw you a curveball. Whether it's an unexpected medical bill, car repairs, or the ever-increasing cost of living, we all need a little extra financial help from time to time.

When you need cash on short notice, there's usually some type of urgency involved - and that's where iCash can help. We're a leading provider of instant loans in Canada.

Ditch your local payday loan store. Sign up and apply today, and find out how much you can borrow from us.

Read more

iCash is a member of the Canadian Consumer Finance Association.
iCash uses TransUnion technology to improve our lending solutions.
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.

Behind each review is an experience that matters

Since 2016 we have happily served over half a million customers.

Read more reviews.

Apply for our instant loans in Canada

1

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.
2

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.
3

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.

We help our members get their finances back on track

$238 Million
saved by iCash customers since 2016
64,500+
positive reviews
$11,700,000+
given in Cashback
2.5 Million
online loans issued since 2016
700,000
downloads of the iCash App

Frequently asked questions

How can I get an instant loan?

You can receive an instant loan through an online lender like iCash! You will need to fill out a quick application and provide us with employment, and income details. If you're approved, you need to sign and submit your digital agreement. Your funds will be sent via e-Transfer within minutes of being approved.

How to get an instant loan with bad credit?

Yes, iCash provides loans to applicants regardless of their credit score. We understand that maintaining perfect credit isn't always possible, which is why we evaluate applications based on multiple factors, not just credit history. Our online application process makes it simple to apply and receive a quick decision.

How fast can I get an instant loan?

You can be approved within minutes of completing an application. If you've been approved, you can expect to receive your funds via e-Transfer within minutes. It's that easy, and your funds can be used for whatever you need them for - whether it's to cover an unexpected expense or simply to have some extra cash to pay for rent or grocery bills.

Can iCash Instant loans be cancelled?

Yes. You are allowed a "cooling off period" when you apply, meaning that if you change your mind and cancel within two business days, no fees will be charged. If you find yourself in a situation where you no longer need same-day funding, our excellent customer service team will happily assist you.

Have more questions? Check out our full FAQ.

Get your instant loan today

iCash has helped more than 950,000 Canadians get instant loans online without hassle. Download our mobile application today!