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Money Loans in Canada

Being able to have extra cash set aside in the bank is a goal lots of us continuously strive to accomplish. To do this, we work hard. We say “yes” to double shifts at the restaurant; spend 12 hours on an overnight assembly line; and never fuss about overtime when the manager assigns it. In the end, we hope this extra elbow grease we have dedicated to our jobs can lead to a state of financial security.

John Lennon once said, “Life is what happens while you are busy making other plans.” As such, life can zig when you expect it to zag, and result in a sizeable impromptu bill that puts a major dent in your bank account. All of a sudden, that money you worked so hard to accrue needs to be used immediately and could jeopardize paying future necessary expenses on time.

At moments like this, money loans can become a significant resource for you and your family. All you need to do is find one that is right for you.

Small money loans are meant to assist you through a brief financial shortfall, and range in value of $100 to $1,500. Considering the modest dollar amounts at play here, we believe you’ll comfortably be able to pay your loan, with an interest rate, back by the agreed upon deadline(s). Better yet, you can loan money in Canada whether you have good credit, or bad credit.

Speaking of fees, licensed lenders in Canada charge 15% to 25% (depending on the province you live in) per every $100 borrowed on a two-week term.

Should you change your mind about the loan you just agreed to, each province gives you a designated timeframe in which you can choose to cancel it. This is called a “cooling off period.” No questions will be asked if you end your loan here, nor will any added fees come your way.

Money loans in Canada should be used for emergency expenses like a busted window in the wintertime, not on a recurring basis for cable or phone bills. When used responsibly, these safe express loans can easily assist you during a brief fiscal issue.

Where to Get Money Loans

Once you reach the conclusion that it is in your best interest to apply for a loan, chances are your first question will be, “Where do I get a money loan?” Fortunately, nowadays there are a number of money loan places you can turn to at a moment’s notice.

For decades, cash advance loan stores have been a regular, brick-and-mortar destination for those who need fast cash. This is an ideal option for borrowers who prefer a face-to-face environment. Each loan provider will have a different in-store application process, so it’s important to understand what that entails before visiting.

To see who offers fast cash loans in your community, search Google for “loan places near me” and a list of shops close to your current destination will appear. Here, you can find addresses, phone numbers, hours of operation, and much more.

If you are looking for a different in-person loan solution, pawnshops are also willing and able to provide small loans. They, too, can be easily found through Google.

Thanks to our technologically advanced world, money loan places online are also easy to locate. iCASH, for example, is an online-only company and does not operate physical loan store locations. We do everything digitally, allowing you to apply, and be approved for, a small loan without having to leave the comfort of your own home.

Our customer-friendly website provides all the tools and resources you need to get a loan, as do our iOS and Android money loan apps for mobile devices. Regardless of which online method you select, we promise that you’ll be thrilled by the ease in which you can go from applying for money, to actually having it in your pocket.

If interested in applying for same day loans with iCASH, you need to:

• Be at least 19 years of age
• Have Canadian citizenship and reside in Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia, or Prince Edward Island
• Show that you have been working with the same employer for the past three months
• Have a net income of at least $800/month
• Receive your paycheques via direct deposit
• Have a Canadian bank account that has been in existence for a minimum of three months
• Provide a valid mobile phone, email address, and home address

In situations when you need money fast, it is recommended that you turn to the types of direct lenders listed above, and not traditional banks or credit unions. The latter two institutions have much lengthier application and approval processes that take a sizeable chunk of time to complete. This will not serve your immediate need for funds. If anything, they could slow down the restabilising of your financial situation.

Fast Money Loans

As discussed above, fast money loans today are widely available through a variety of reputable in-store and online money lenders. Each of these companies have a great interest in assisting those who didn’t expect to need added funds ahead of their next payday.

When looking to acquire a guaranteed money loan, it’s important to understand the differences between the primary ones offered: unsecured loans and secured loans.

These are their main characteristics:

Secured Loans
· Pawnshops are the most recognized purveyors of secured loans.
· Collateral is necessary. You will need to put up a valuable item (i.e. diamond ring, expensive wristwatch) to receive this type of loan.
· You will only receive a percentage of your item’s worth.
· If you miss your repayment date, the pawnbroker will retain ownership of the personal belonging you used as collateral.
· Whether you choose the unsecured or secured route, you’ll benefit from an industry-wide perspective that cash should get to you speedily.

Unsecured Loans
· Primarily offered by online lenders and payday loan stores.
· Collateral is not required to take out an unsecured personal loan.
· You will need to pay a fee for the money you borrow. Amounts vary per province.
· Customers are expected to pay this type of loan back by the agreed upon date(s). If a repayment date is missed, you may be responsible for an insufficient funds charge.

Direct online lenders make it easy for you to get approval for a quick money loan. The applications we provide to you are simple to understand, and only ask that you provide pertinent information like your contact details, employment situation, as well as your financial status. We will also look at your credit history, but no credit check to us is complete without taking into account various other elements of your application.

After receiving an instant decision from us, the approval process will be completed swiftly. Within minutes of that occurring, we will e-Transfer money to you in just a couple of minutes. With that type of quick funding, you will no longer have to watch your bills pile up as a lender takes its time getting back to you.

When used mindfully, an easy money loan can have a wonderful impact on your life. Before signing off on one, we ask that you review all terms and conditions closely to ensure you won’t experience any surprises.

Money Loans Online

Life can be turned upside down at a moment’s notice. While we ideally hope to be near home when an emergency strikes, sometimes we are away on a business trip, or perhaps even a vacation. If you need financial assistance urgently to make it through an unforeseen, expensive scenario, it is important to know that private lenders will loan you money online.

A fast money loan online can be secured through a lender’s mobile app or website. Borrowing through these spaces offers several advantages:

Apply from anywhere: No matter where in the world you are, as long as you have access to the Internet, an easy online loan is attainable.
Available 24/7: Regardless of what day or time of the week it is, you can apply for a loan. We will even work with you on weekends and holidays to ensure cash gets to you fast.
Instant approval: An emergency loan can be instantly approved when you apply online. You won’t have to wait days or weeks for feedback on your loan application.
Fast funds: We will e-Transfer your money within minutes of receiving a signed loan agreement from you.
No paperwork: You won’t need to print and fax us any documentation. Just answer all of the questions asked on our simplified loan application.
Info at your fingertips: online lenders have websites and/or mobile apps filled to the brim with information. If you are unsure about how our loans work, answers can be located online.
Staying safe: We use 256-encryption technology to protect the personal information you shared with us in your loan application.
Supreme customer service: We have a wonderful customer support team that is always willing to assist you through the process. Feel free to ask them any questions you might have.

Considering the broad spectrum of advantages that come with an online money loan, you no longer have to worry about relying solely on physical loan stores for your fast cash need.

Money Loans for Bad Credit

It is understood that having perfect credit is tough to achieve. The world is an expensive place to live during normal circumstances.

When an unanticipated expense occurs and throws your monthly budget out of whack, life can only get costlier. As such, bills can wind up going unpaid. If this happens frequently enough, you could develop a bad credit score.

In Canada, credit scores range from 300 to 900 points. A bad score ranges from 300 to 599 points. If your credit score gets into that sub 600-point category, chances are a traditional bank will not supply you with monetary assistance. These institutions distance themselves from customers with poor credit history and think of them as too risky to support.

If you have been turned down by a bank for this reason, please note that fast money loans for bad credit in Canada are available through direct private lenders.

Although we will evaluate your credit history, we will not base our instant decision on that factor alone. With us, no credit check will be complete until we review your entire loan application and analyze other pieces of criteria, like your ability to repay a loan. We won’t reject a money loan for bad credit simply because your score is low, or if you have zero credit history altogether.

It is possible, however, that you’ll be approved for a lesser loan amount than what you applied for. As a responsible lender, we will only supply you with loans that can be paid back comfortably, and on time.

If you pay your most recent loan back on-time, but still need more assistance, you may be eligible to apply for a re-loan with a greater dollar amount.

Money loans for bad credit in Canada are unsecured, so you will not have to put up any collateral to receive one. Instead, just put your best foot forward during the application process and expect fast approval.

We also provide money loans in these provinces of Canada

in Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia, Prince Edward Island.

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Just use the simple form on our website – select the amount of cash that you want to borrow, your repayment plan, provide some information and you’re on your way.

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Complete your loan application. You’ll receive an instant approval, so you can put your finances back on track. Fast, easy and reliable loans from a trusted licensed direct lender.

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Your funds will be sent via e-Transfer in 5 minutes or less. Our transfers mean your money is available anytime you need it. Safe, urgent money loans with same day funding.

Minimum repayment period 61 days. Maximum repayment period 62 days. Maximum APR is 109,50%. For a $300 loan, the maximum total cost of borrowing is of $354. 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 $25 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.

Money Loans FAQs

Can I get money loans with no credit?

· Yes. We provide loans to those with good credit, bad credit, or no credit whatsoever, across Canada.
· Easy short term loans can be applied for on our website, or through our mobile app. Just fill out the customer-friendly application and you’ll receive an instant decision.
· We will perform a credit check during the loan approval process. However, we will look into several elements before rendering a decision. Your request for a loan will not be turned down simply due to poor credit, or no credit.
· As soon as your loan is approved, we will send your funds via email money transfer to you within minutes of receiving your signed loan agreement and pre-authorized debit form.

Can I loan money online on the weekend?

· You can loan money online through us 24 hours a day, seven days a week. We know that loans are needed on Saturdays and Sundays too, not just on business days.
· In addition to weekends, we also supply loans on major holidays.
· Our customer support team is available on weekends to help guide you toward getting the money you need quickly.

Where can I get fast money loans?

· We provide fast money loans online through our comprehensive, yet easy-to-use website and mobile app. You won’t need to do any physical paperwork – everything is digital with us.
· We approve and payout instant loans rapidly, knowing that time is of the essence for you.
· We do not work with any middlemen or third-party companies. This means you will deal with us directly throughout the entire process, without being exposed to any outside interference.

What is the best money loans app?

· The iCASH mobile app is available on the iOS and Android platforms. It can be downloaded for free to your smartphone or tablet.
· Like our website, this mobile app easily takes you through the step-by-step process of applying for our loans.
· No matter where in the world you are, our impressive app can be used to secure a loan right when it is needed most.

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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 loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real Money!*

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