Trusted Instant Loans in Canada

With an instant loan from iCash, you can cover any unexpected expenses. Borrow up to $1,500 no matter what your financial situation looks like. For an even easier online loan experience, download our mobile app on your iOS or Android device today.

Instant Loans In Canada.
Download iCash on the App Store.

Customize your instant loan

Receive your money by 9:10 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.

How our instant loans work

1

Apply Online

Getting an instant loan with us is easy! Select your desired loan amount, repayment plan* and provide a few personal details.

Sign up and apply online or on our app.
2

Instant Decision

Our instant loan application will tell you if you’re approved right away. Once approved, you just need to electronically sign your contract. It’s that easy!

Get a decision instantly after completing our paperless loan application.
3

Get Your Instant Loan

Once you sign your digital agreement, your instant loan funds will be sent via e-Transfer within 2 minutes. Funds are sent 24/7, even on weekends and holidays.

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

Behind each review is an experience that matters

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

Read more reviews.

Why Canadians choose iCash loans

Here’s why over 950k Canadians choose iCash as their go-to lender for instant loans in Canada.

Fast online application

Say goodbye to waiting in line! Our online loan application takes minutes to complete from the comfort of your own home, no matter the time of day. All you need is a laptop, smartphone or tablet, and an internet connection.
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No documents required

We’re paperless! Our cutting-edge technology gives us all of the tools necessary to automatically evaluate your application without asking for any documents. No need to fax long forms or print out bank statements.
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No hidden fees

We ensure all fees involved in your loan are clearly displayed, which allows you to make an informed decision and avoid hidden fees. We are a fully licensed lender that’s committed to responsible and transparent lending practices.
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Instant decision, 24/7

Our online loan process is completely automated so that you can receive an instant decision on your loan application without having to wait. With iCash, you can apply and get on with your day, knowing that your funds are on the way!
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E-Transfer in 2 minutes, 24/7

After signing your electronic agreement, your funds will be sent to you by e-Transfer in less than 2 minutes, 24/7. This convenience gives you immediate access to cash, so you can deal with whatever financial emergency you’re facing right away.
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Up to 12% cashback*

iCash customers earn a percentage back on the cost of borrowing on every loan repaid in full according to the loan agreement. It’s just one of the many benefits iCash offers to our customers.

To learn more about the Terms and Conditions, click here.

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A better way to get a cash advance

Instant cash advance loans provide you with peace of mind and can help you take care of whatever expense comes your way within minutes. As a trusted direct lender, iCash offers quick loans to Canadians of all financial backgrounds, 24 hours a day, 7 days a week - even on holidays.

Satisfied customers since 2014
1.5 M
Number of approved applications
93 %
Customers that would recommend us to their friends
4.9 out of 5
Customer rating

Compare our instant loans

As a top choice lender for online loans in Canada, we offer an alternative to traditional payday loans with many advantages for our customers. See for yourself how we compare to payday lenders and other loan providers and find out why our instant loans are the right choice for your financial situation.

Licensed
Flexible repayment
plans*
Offers cashback
program* for more
savings
Paperless
Free membership
benefits
No hidden charges
e-Transfer within 2
minutes

iCash loans

Best choice.
Best choice.

Traditional
payday lenders

Lenders with
brokerage fee

How can we help?

We make obtaining a loan simple and easy! Everything we do is 100% online, including how we serve you. Should you have any questions regarding your loan application or anything else related to our instant online loans, our dedicated team is available 24 hours a day, 7 days a week to assist. We understand that a financial emergency can happen at any time, which is why we're here for you whenever you need.

Contact our support team

Our customer experience advisors are available 24/7. Contact us any time. It’s fast and easy.

Knowledge base

Get all the answers to your questions in one place. Search through our list of comprehensive FAQs to find the answers to your most pressing questions.

Personal finance hub

Need more financial insights? Visit our personal finance hub to learn everything about credit scores, budgeting tips, and more.

Instant online loans in Canada

When a financial emergency pops up and you need money quickly, you don't always have time to go through a lengthy loan application process with a lender or a bank. In these cases, instant online loans are the best solution. With iCash, you can get a loan approved for up to $1,500 in minutes and have the money in your bank account shortly after.


Our instant online loans are the most convenient way to get money when you need it. Our simple loan application process can be completed in minutes from any device, and once approved, the money will be sent to you via e-Transfer right away.


If you're looking for an online loan with instant decision in Canada, iCash is your go-to provider. Our easy online application allows you to apply from anywhere, and we offer flexible instalment options to suit your budget and needs. Apply now and get an instant decision for your loan.


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Find out what our customers think about our loans!

Over half a million Canadians agree that iCash is the best way to get funded online. With an impressive rating of 4.9 out of 5 for instant loans, it’s easy to see why we’re a top choice for fast, convenient, and secure funding. We have more than 30,000 online reviews on Google, Apple, TrustPilot, and more.

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

Get your instant loan today!

iCash has helped over 950,000 customers get instant loans in Canada, 24/7, without hassle.

Get up to 12% in cashback*

Earn money every time you borrow with iCash! Our unique cashback program is designed to reward you for being a loyal customer and can help you save on future loan payments. After successfully repaying your first iCash loan, you'll receive 4% of the cost of borrowing credited to your account. You can earn up to 12% depending on how many iCash loans you have repaid.

Earn up to 12% cashback* on the cost of borrowing when you repay your iCash loan.

Frequently asked questions about instant short-term loans:

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.