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Instant Loans in Canada

Instant loans in Canada are short term loans designed to assist individuals who need additional funds to cover unexpected expenses or emergencies. Considering this, the application and approval process moves at an expedited pace. Generally, Canadians can apply and be approved in a matter of minutes.

Sometimes in life, you need to have access to an instant loan. Whether it’s due to unexpected overage charges on your phone bill, or an untimely leaky roof, there are times when money is needed fast.

When it comes to applying for an instant money loan, you can visit a loan place, pawnshop, or an online lender like iCASH. In Canada, lenders can issue small loans as high as $1,500 dollars to help you cover any monetary shortfalls you might experience ahead of your next paycheque. On your next pay cycle, simply pay back the loan (including any interest and fees).

Find a direct lender that has reputable business practices and positive reviews. Make sure that you can afford to pay back what you’re borrowing. With that in mind, understand the fees and repayment schedule* in your loan agreement. The goal of quick loans with instant approval should be to assist your financial situation, not to put you in further debt.

We find that the best companies who provide instant loans in Canada are the ones who are transparent about this particular information.

Lastly, keep an eye out for questionable lenders that aim to take advantage of people in financially fragile situations. Some of these institutions will seek upfront payment to evaluate your credit or financial history, which is a definite red flag. Also, be certain that any money lender that you work with is licensed in your province, as these licenses and their attached regulations are in place to keep customers protected.

Instant Loans

Instant Loans Online

Instant loans online make receiving money in times of need a much more efficient process. Instead of having to find the time to locate and visit a payday lender in your town, you can simply apply anywhere using your computer or mobile device. With 24/7 availability, receiving an online instant loan in Canada is as easy as ever.

When applying for instant loans online, simply create an online account with the lender, fill out an application and submit it electronically, there is no need to print out a single sheet of paper.

In Canada, instant loans online can be approved for as much as $1,500, regardless of your credit score. To get started, follow the steps of the online application offered by the private lending company. Here, you will be asked to provide your contact information, as well as details about your employment, income, pay schedule, etc. Private lending companies each have their own online applications, so it is wise to be prepared for different questions and information requests.

Nevertheless, online loan applications are intended to be a quick and easy process. Considering that you are hoping to receive money in an expedited fashion to cover the cost of fixing that drafty bedroom window, modern lenders do not want to hold you up with lengthy, complicated applications. They want you to receive your funds as soon as possible.

Once your application is submitted from your computer, mobile phone, or tablet, your online loan will receive instant approval. As soon as that is accomplished, you will be guided toward the loan agreement. Here, you will learn about the fees that come with the loan you’ve requested, pay back details, as well as the private lenders’ condition.

After you sign off on the agreement and pre-authorized debit forms provided, the funds will be sent to you via e-transfer. If you need assistance during the process, customer support will be available to offer you a hand.

For those who decide to get an instant loan online with us, do note that we have an amazing loan app. Here, you can create an account, complete the paperless and confidential application form, choose your repayment plan*, get a decision instantly, and receive your money fast.

Instant Loan Approval

The beautiful part about instant approval loans is how timely and convenient they are. When you get laid off from a job, or require funds for that unexpected household renovation, the last thing you want to do is wait for a bank to help you out. Whether you have good credit, or bad credit, traditional financial institutions can take a long time sorting out a loan for you.

Instead, you should turn to a direct lender, like us, because we offer instant loan approvals of up to $1,500. Considering that short term loans are usually needed as soon as possible by the borrower, private lenders do their best to make the application and approval process quick.

The loan application will require your contact and employment information, as well as questions related to your current income and payday schedule. These details will help the instant loan company determine the amount of money you could pay back.

Responsible lenders want to provide you with only as much money as you are capable of paying back – not put you further into debt. If you pay back your instant loan on time and need a re-loan later on, you could potentially be approved for a larger loan.

Within minutes of submitting your loan application, you can receive instant approval. At this stage you will be asked to review and sign a loan agreement, as well as a pre-authorized debit form. Once that is complete, your funds will be sent via e-Transfer in minutes.

You can apply and be instantly approved for a e-Transfer loan 24/7, thanks to our intuitive online review system. Here, your application can be evaluated and given the greenlight in minutes. We understand that you need money fast and do not want you to wait days or weeks for it. With instant approval loans, you will be able to get back to your day-to-day routine without having to worry about whether or not funds are coming.

Instant Loans for Bad Credit

Even with poor credit, or no credit at all, you can still be approved for an instant loan for bad credit of up to $1,500. While banks primarily use the strength of your credit score to determine whether or not to lend you money, best lenders do not.

When applying for an instant loan for bad credit in Canada through a private lending company, a credit check is performed to confirm your identity, income, and employment information. From there, the private lender will review additional aspects of your application to determine the loan you are eligible for. In some cases, a private lender will approve a loan that is less than the amount requested if certain requirements are not met.

If you receive less funds than you requested, don’t fret. With certain private lenders, those who require re-loans will see their loan amount approvals go up if they continue to pay back their loans on time.

The point of receiving a bad credit loan should be to help carry you past a temporary financial obstacle, like fixing your truck’s brakes – not to increase your debt. With that in mind, you should also always be aware of the fees connected to your instant loan for bad credit.

Life happens and sometimes certain situations – out of your control – can negatively impact your credit score. We don’t believe that these unforeseen circumstances should result in you not having access to future financial assistance. Even if the banks tell you “no,” or can’t provide you with a loan when it’s needed most, instant loans for bad credit customers are widely available.

We do not have minimum credit score requirements, nor do we reject applications based on their credit scores. We are here to see that you can cover unanticipated expenses, right when they need to be covered.

Instant Loans 24/7

We pride ourselves on being the best instant loan 24/7 provider in Canada. To accomplish this, we offer you a straightforward, customer-friendly approach designed to help you through a financial pinch.

To get an instant loan 24/7, we do not require any additional paperwork from you. Rather, we ask that you fill out the easy online application via your computer or mobile device. Our automated application process moves in real-time, 24 hours a day, seven days a week. Thanks to this sophisticated decision system, we can review and approve your loan request in just minutes.

Even if you have bad credit, you can still be approved for a personal loan in Canada. Do note that as a responsible lender, we may approve borrowers for a lower amount than they requested if it looks as though they would not be able to pay back the entire amount. We do this to help Canadians break the debt cycle.

You can trust that we will be open and transparent regarding any fees attached to your loan. What’s more, any personal information you share with us is 100% secure, thanks to our 256-bit encryption technology. Furthermore, if you have any questions regarding the application process, our Customer Care Advisors will respond to them quickly.

We also accept income assistance, insurance benefits, or government benefits. As long as you meet the minimum requirements noted above, you can apply for a loan with us. Just fill out the Employment Details section of the application with the details of your benefit income.

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Apply for Instant Loans in Canada


Apply Online

Apply in a few simple steps and get the money today. Complete the instant 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 loan 24/7 so you can take care of anything that life throws your way. Quick, easy, trustworthy loans from a licensed Canadians lender.


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 an instant loan can be accessed anytime, day or night, 24/7. Safe, loans online with same day funding.

Maximum repayment period 62 days. APR is 109.50%. For a $300 loan of 14 days, the total payback amount is $345. 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.
Apply for an Instant Loan Online!
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 instant loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real money!*

Instant Loans FAQs

How to be eligible for an instant loan with iCASH?

To be eligible for an instant loan with us, you need to meet the following requirements:
• Be at least 19 years old
• Be a Canadian citizen, and a resident of Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia, or Prince Edward Island.
• Be employed with the same employer for the past three months
• Have a net income of at least $800/month
• Receive your pay by direct deposit
• Have a Canadian bank account that has been open for at least three months
• Have a valid mobile phone, email address, and home address

What are instant loans online?

• An instant loan online is a short term loan that it is designed is to assist you in case of an unexpected financial emergency (i.e. vehicle troubles, broken furnace).
• Because of the urgency often attached to this kind of loan, the online application and approval process is a lot quicker than what you would experience with a bank.
• The maximum amount of money you can receive through an instant loan is $1,500.

How can I get an instant loan?

• You can receive an instant loan through an online lender like iCASH.
• To get your loan, you will need to fill out an application and provide us with employment, and income details.
• Once your loan is approved, you need to sign and submit your loan agreement. Your funds will be sent via e-Transfer within minutes.

How to get an instant loan with bad credit?

• Check your credit card score to see where you land on the bad credit range.
• Research lenders to determine which would best serve your needs.
• Once you’ve chosen your lender, fill out the application and be ready to supply any additional documentation (i.e. government issued ID, pay stubs, etc.) that may be required.

How fast can I get an instant loan?

• An instant loan can be approved within minutes of completing an application.
• After you have been approved, take a few minutes to sign the loan agreement and complete your pre-authorized debit form.
• The money will then be sent to you via email money transfer within minutes.
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