Smart Alternative to Payday Loans in New Brunswick

How much would you like to borrow?

100 250 500 750 1000 1250 1500

How many repayments?

Where do you live?

Loan Amount

$750

Repayment Schedule

On 1 Payment !
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New Brunswick

iCASH is proud to have arrived in New Brunswick!
One more reason to celebrate in the "Picture Province"!

After a year of expanding westward through Canada, iCASH is now happy to announce it has moved east! And we are thrilled with the reception we are starting to receive from the residents of wonderful New Brunswick. With the skyrocketing prices of dental bills, education costs, car repairs, and other miscellaneous expenses, iCASH is now in the picturesque province to lend a helping hand and offer payday loan or cash advance solutions whenever emergency bills pop up.

iCASH’s revolutionary online loan platform is a completely new and innovative way to borrow money in a faster, simpler and smarter way. Now the residents of New Brunswick can apply for a payday loan or cash advance completely online, get approved, and receive their funds all in the same day! Our application process is simple, clear, and can be accessed 24 hours a day, 7 days a week. No more waiting, wondering if you were approved, or sitting by the phone to see when your funds will arrive. At iCASH, we fully understand that in times of financial stress, jumping through a lender’s unnecessary hoops is the last thing you want to do!

In addition to the simplicity of our online payday loan application, iCASH is also one of the safest online options. We have invested time and energy into the highest 256-bit encryption technology available on the market. This way, you can rest assured that your personal information is safe. iCASH also guarantees to never sell or share your personal information with any third party. We are a direct lender, which means that your information is for our use only.

iCASH knows full well that the payday loan industry has a bad rep. But we are actively working to change that. Our employees and all of our business practices adhere to a strict internal Code of Conduct. Our Code of Conduct was developed based on the European model for lending, which focuses on ethical and honest business practices. We make sure that we build and sustain a bond of trust with our New Brunswick residents. Building relationships is important to us and we take the needs of our clients to heart.

iCASH is also fully licensed to operate in New Brunswick. Payday loans and cash advances are governed by provincial regulations and iCASH is in full compliance with the New Brunswick government’s rules and regulations. Our New Brunswick license number can be found on our home page for your verification.

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Here are the top 5 reasons that more and more New Brunswickians are turning to iCASH for all their payday loan and cash advance needs:

Instant approval

No more waiting. No more long lines. No more scheduling appointments with a financial advisor. Our sophisticated technology allows for instantaneous approvals, in most cases. The payday loan and cash advance loan application, in New Brunswick, can be completed in a matter of minutes and the approval and funds are then sent same day.

Bad Credit

At iCASH, we understand that mistakes are sometimes made and those mistakes can haunt you for years to come. While we do look at your credit score, it is not the deciding factor in the approval for your payday loan. We make sure to take a look at the global picture of our New Brunswick clients and base our decision on your ability to repay the loan, primarily.

Paper-free

Not only do you not need to wait days for an approval, but you also don’t need to take time out of your busy schedule to come in to a New Brunswick office to sign documents. Nor do you need to fax or mail anything. The payday loan and cash advance process is 100% completed online with no papers to file. Even your signature is taken online.

No extra fees

All fees involved in our New Brunswick online payday loan process are clearly explained and mentioned at the beginning of the process. There are no additional fees at the end, nor do we use complicated, ambiguous language to confuse our clients. Everything is explained in plain, clear English and our fees are in full compliance with the provincial governed rates. Our goal is to build a relationship of trust with our New Brunswick clients and that begins with honest and clear contracts.

Safe and secure

As mentioned above, our 256-bit encryption technology is the best available online. We make sure that your personal information is stored securely and never shared with any third party. We take the safety of your personal information very seriously and do our utmost to keep it secure.

From Moncton to Bathurst, from Saint John to Edmundston, and even from Fredericton to Dieppe, iCASH is thrilled to be offering all of New Brunswick the same payday loan and cash advance services that Canadians from coast to coast have come to love. We look forward to hearing how we can help you get on your own journey back to financial wellness.

How to be Eligible for a Loan

To qualify for a fast online loan from iCASH, you must:

  • Be at least 19 years old.
  • Be a Canadian citizen and a resident of British Columbia, Alberta, Saskatchewan, Ontario, Nova Scotia or Manitoba.
  • Be employed with the same employer for the past 3 months.
  • Have a Net income of at least $800/month.
  • Receive your pay by direct deposit.
  • Have a Canadian bank account that is open for at least 3 months.
  • Have a valid phone number, address, and email address.
  • Not have filed in the past or have the intention to file bankruptcy.

Interest Fees and Transparency

The cost for a short-term loan may range between $15.00 and +$23.00+ per every $100 according to the payday loan legislation in each of the following Canada provinces:

Province Fee
Alberta $15
British-Columbia $17
Manitoba $17
New Brunswick $15
Nova-Scotia $22
Ontario $15
Saskatchewan $23

When you take a cash advance loan or Flexpay loan with iCASH, you are always in complete control of how much money you will owe and there are no surprises nor hidden fees. Before signing your loan agreement, we will give you a breakdown of all the costs involved in your loan so you will be able to make an informed decision.

Getting Your Money

There is nothing easier than getting your money, it is directly deposited into your bank account. So you can relax while waiting, because you won't have to wait for long! At iCASH, we want to ease our clients' lives since we know that you have more important things to care about.This is why that as soon as your contract is signed, your money is on the way!

Managing Your Loan

Can I make repayments early?

Yes, it is possible to repay early, and we encourage you to do it if you are able to! There are also no charges for early repayments. Repaying early is a great choice because:

  • There are no extra fees
  • You can improve your trust rating with iCASH

Can I increase my loan amount after I get my cash?

As responsible lenders, we only let our customers take out one loan at a time. That's why it's important when you apply for a loan to consider your finances and to choose the loan amount and repayment options that are right for you.

Can I change the repayment date?

Since we do not offer rollovers, if you think you might not have enough money in your account to cover the repayment amount owed, please let us know at least 3 days in advance. If we already tried to debit the owed amount from your account and it was declined, you might be charged a missed payment fee and your bank may also charge you a NSF (Non-Sufficient Funds) fee. We always try to accommodate our clients as they try to work with us to find an agreement.

Repaying Your Loan

What happens on my repayment date ?

In order to make the repayment process as straightforward as possible for you, we will automatically debit your bank account on the due date for the amounts specified in the contract. On your repayment date, please make sure you have enough money available in your bank account for the payment in order to avoid any additional fees.

Repayment Plans

We have two repayment plans you can choose from in order to find one that suits you best.

  • Cash advance: make a repayment between 7-62 days after you are approved
  • Flexpay: make 2 or 3 repayments between 7-62 days after you are approved

Repeat Borrowing

Trust Rating System

When you apply for your first cash advance loan or Flexpay loan with iCASH, you can apply for up to $750. If you pay back your first loan on time and according to the terms and conditions of your loan, you will gradually be eligible to borrow up to $1,500.

A cash advance loan or Flexpay loan is considered as a short-term loan and is not intended for frequent use. If another situation arises and you do need to borrow money from us again, the loan application process will be quicker than the first time. Since most of your information are saved in your iCASH account, you can simply log in, confirm the existing information, and apply. It's that simple!

As part of our commitment to responsible lending, we may at time make adjustments to ensure that each personal loan we give is in the best interest of our customer's financial health. We consider each application we receive on an individual basis, so repeat borrowers are not guaranteed approval because they have borrowed from us before.

Late Fees

You can avoid any non-sufficient fund fees by making payments on time and ensuring that money is available for pre-authorized debits in your account on the due dates. NSF fees are broken down as follows, depending on each of the following Canadian provinces: British Columbia, Alberta, Saskatchewan, Ontario, Nova Scotia and Manitoba.

Province NSF
Ontario $48
Nova-Scotia $40
Alberta $25
Saskatchewan $50
British-Columbia $20
Manitoba $20
Manitoba $20

Collections

iCASH's lending process is fully transparent so you can clearly understand your repayment responsibilities. Depending on your pay period this daily fee may change. Your total amount to be repaid is the loan amount plus the interest fee, no additional fees will be charged to you.

The only way that your repayment amount would increase is if you do not comply with your loan repayment agreement. You must make sure that your bank account has enough funds to cover the preauthorized debit on the date you agreed to make a loan payment. If your bank account has insufficient funds at the time of the preauthorized debit, you will be charged a missed payment fee, and your bank may also charge you a non-sufficient funds fee. From there on, collection interests will be applied to the remaining balance of your loan until it is fully repaid.

From that point on, your file will be passed on to our professional collections team who will do their best to come to an agreement with you. Unfortunately, if you do not work with us to repay your loan in the agreed-upon time frame, iCASH will have no other choice but to pass on your file to an external collection agency.

The transfer of your file to an external collection agency may also generate additional fees for you, it can lead your credit file to a negative note and could damage your file for six years. Your credit file information can be passed on to other organizations by credit agencies and fraud protection agencies for verification purposes or to track your whereabouts in order to recover the sums owed.

This is why we reiterate that it is extremely important to respect your commitments with us. iCASH is a company with a human side and we understand that difficult situations may happen. If this is the case, please contact us as soon as you can so we can find an arrangement that can reduce costs for you and that will allow you to meet your commitments. However, iCASH strongly recommends that you think seriously before applying for a loan. If you have any doubts about your capacity to reimburse this loan according to the established terms, we recommend you to find another source of financing.