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Figuring out the right amount for a short-term loan is the first step to take before you apply for one. But calculating your assets and expenses can get confusing quite quickly. iCASH has the perfect solution! Our loan budget calculator will help you determine how much you need to borrow to cover your expenses.
Our budget calculator is an easy way to organize all your current expenses and make sure none is left out. All you have to do is enter a few essential pieces of information, like the balance you have available, your payment date, and the estimation of each significant monthly expense.
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
Maximum Allowable Cost per $100 Borrowed:
$15.00
Our cost per $100 borrowed:
$15
Example: Your $500 loan for 14 days
This poster is required under the Payday Loans Act, 2008
Educational materials related to the Payday Loan industry are available for download. If you wish to obtain copies of educational material approved by the Registrar, Payday Loans Act, 2008 please click here.
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 3 repayments are available based on your pay frequency at no extra cost or fees, up to 62 days. Only available at iCASH.
Maximum charges permitted in British Columbia for a payday loan: 15% of the principal.
We charge 15% of the principal.
For a $300 loan for 14 days:
This information meets the requirements of the Business Practices and Consumer Protection Act.
License Number: 67639
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
Maximum total cost of borrowing permitted in Alberta for a payday loan: $15 per $100 lent.
We charge $15 per $100 lent.
Payday loans are a form of high-cost credit.
This information meets the requirements of the Consumer Protection Act.
Payday Loan Business Licence Number: 341941
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 3 repayments are available based on your pay frequency at no extra cost or fees, up to 62 days. Only available at iCASH.
Maximum Allowable Cost per $100 Borrowed
$15.00Example: $300 loan for 14 days:
Principal Amount = $300
Total Cost of Credit = $45.00
Annual Percentage Rate (APR) = 391.07%
Total to Repay = $345.00
If you have any questions or concerns about payday loans, cancellation rights or collection practices, contact the Financial and Consumer Services Commission
(FCNB)
Toll-free at 1-866-933-2222
This information meets the requirements of the Cost of Credit Disclosure and Payday Loans Act
Coût maximum permis par tranche de 100$
15$Example: prêt de 300$ pour 14 jours
Capital de 300$
Coût total du credit = 45$
Coût annuel en pourcentage (TAP) = 391.07%
Remboursement total = 345$
Pour toute question ou préoccupation au sujet des prêts sur salaire, des droits de résiliation, ou des pratiques de recouvrement, n'hésitez pas à communiquer avec la Commission des services financiers et des services aux consommateurs
(FCNB)
au numéro sans frais 1-866-933-2222
Cette affiche est conforme aux exigences de la Loi sur la communication du coût du crédit et sur les prêts sur salaire.
For educational tolls please click here.
How much will $300 cost you for two weeks?
| If you take out a $300 loan*: | Payday Loan (assuming cost of borrowingis $15 per $100**) |
Credit Card (assuming a daily interest rate at 23% APR for cash advance) |
|---|---|---|
| Once | $45 | $2.65 |
| Twice | $90 | $5.29 |
| Four times | $180 | $10.59 |
| Six times | $270 | $15.88 |
*This example shows what borrowing multiple loans would cost. You cannot hold more than one payday loan at a time. You cannot pay off a payday loan with another payday loan.
**In New Brunswick, the maximum total cost of credit allowed is $15 per $100 advanced under a payday loan
To learn more about your rights:
FCNB.ca/paydayloans
Toll Free 1 866 933-2222
Facsimile 506 658-3059
[email protected]
Combien vous coûtera un emprunt de 300$ pour deux semaines?
| Si vous empruntez 300$*: | Prêt sur salaire (En supposant un coût d'emprunt de 15$ par tranche de 100$**) |
Carte de crédit (En supposantun taux d'intérêt quatidien calculé salon un TAP de 23% pour une avances de fonds) |
|---|---|---|
| Une fois | 45$ | 2.65$ |
| Deux fois | 90$ | 5.29$ |
| Quatres fois | 180$ | 10.59$ |
| Six fois | 270$ | 15.88$ |
*Cet exemple montre ce que coûterait l'emprunt de plusieurs prêts. Vous ne pouvez pas détenir plus d'un prêt sur salaire à la fois. Vous ne pouvez pas rembourser un prêt sur salaire avec un autre prêt sur salaire.
**Au Nouveau-Brunswick, le coût total maximal du crédit autorisé est de 15$ par tranche de 100$ en vertu d'un prêt sur salaire.
Pour en apprendre plus sur vos droits:
FCNB.ca/paydayloans
Toll Free 1 866 933-2222
Facsimile 506 658-3059
[email protected]
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
Example: $300.00 loan for 14 days
This information meets the requirements of the Business Practices and Consumer Protection Act. License Number: 192535468
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 3 repayments are available based on your pay frequency at no extra cost or fees, up to 62 days. Only available at iCASH.
In Manitoba, the maximum allowable charge for a payday loan is 17% of the principal amount of the loan
Sample $300 loan for a 12 days
This information meets the requirements of The Consumer Protection Act.
Business Licence: #74162
Saskatchewan
Please note that we are not yet operating in Saskatchewan. We are in the process of obtaining our lending license. If you wish to be contacted when we are up and running, you are welcome to create an account and we will notify you. Thank you.
iCASH is a short term loan responsible lender that is guided by provincial consumer protection laws. We are fully licensed, transparent and 100% compliant in all Canadian provinces.
2 to 3 repayments are available based on your pay frequency at no extra cost or fees, up to 62 days. Only available at iCASH.
Maximum Allowable Cost per $100
Borrowed: $15.00
Our Cost per $100 Borrowed: $15.00
Example: Your $300 loan for 14 days
This poster is required under the Payday Loans Act
Quebec
Please note that we do not operate in Québec.
Please note that we are not yet operating in Newfoundland and Labrador. We are in the process of obtaining our lending license. If you wish to be contacted when we are up and running, you are welcome to create an account and we will notify you. Thank you.
