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No Refusal Payday Loans 24/7

When you need a loan, the last thing you want is to be turned down. This can be especially worrying if your finances are already strained or if your credit history isn't great. While many lenders will turn down your loan application outright, iCASH is different. We don't believe in refusing loans to our customers just because they've had some financial difficulties in the past.

Although we don't offer guarantee approval for a loan in Canada, we approve 9/10 applicants, meaning that you're more likely to be approved for a loan with us. In other words, there's no need to worry about finding a no refusal payday loan lender. If you apply with us, we’ll work with you to get you the money you need, regardless of what your financial situation looks like.

Online Installment Loans With Instant Approval

If you're looking for an installment loan, you don't want to go through the hassle of dealing with a lender who is going to reject your application. With iCASH, you can be confident in our high approval rate and loans with instant approval. The loans we offer can be paid back in installments, so that you can better manage your finances and your payment plan.

With over 600,000 customers served, we are a trusted online lender for instant approval installment loans in Canada. We provide many benefits that our customers appreciate, including:

Apply Anywhere, 24/7

Camping in Muskoka? Or, maybe you’re in need of a home repair at the worst possible time. Whatever the case, when you need money now, we’re here for you. Unlike other lenders, we don't believe in making you wait. You can apply for a cash advance at any time, anywhere, 365 days a year using our online application or the iCASH loan app. Once you're approved, your e-Transfer installment loan will be sent your way within minutes.

Instant Approval

The last thing you need when you're in a financial bind is to be kept waiting to hear back about your loan application. That's why iCASH offers instant approval on all of our faxless payday loans in Canada.

Once you've submitted your paperless online loan application, you'll get a decision right away. If you are approved, your money will be sent via e-Transfer – no waiting around for days (or even weeks) to get your hands on the cash you need.

No Hidden Fees

When you're dealing with a financial emergency, the last thing you want is to be surprised by hidden fees. As a trusted lender, we pride ourselves on being transparent and upfront with our customers. There are no application costs, no prepayment penalties, and zero hidden fees – ever.

Plus, our flexible repayment schedule is designed to work with your budget. That means you can make extra payments or pay off your loan early, without being penalized. You can choose to repay your loan over 62 days or right up front, whichever works better for you.

Membership Perks

All of our customers are automatically enrolled in our membership program after paying off their first loan. This means that you can earn up to 20% Cashback on the cost of borrowing, just for being a loyal customer. The more you borrow, the more you save. Loyalty members also get an even faster re-loan process as well as no credit verification for re-loans, should you ever need a payday loan in the future.

How to Get Approved For Up To $1,500

If you're short on cash, our online loans of up to $1,500 can help get you to your next payday without hassle. Applying is easy - and you won't have to worry about having a perfect credit score.

Although we don't issue guaranteed approval loans, there’s no need to be concerned. Our 93% approval rate ensures that you're more likely to be approved for a loan with iCASH than not. Plus, our online application process is one of the easiest and most convenient in the industry.

Here's what you need to do to get an instant cash advance from us:

1. Apply Online

You can apply for a loan entirely online – there's no need to go into a store or wait in line. Just fill out our quick and easy application form and you'll get an instant decision.

Even if you're on-the-go, you can download our mobile loans app and apply right from your phone, 24/7. You no longer have to wait until regular business hours - like you would at other physical lenders - to get access to extra cash.

2. Get Instant Approval

We like to make things go as quickly and efficiently as possible. That's why we approve loan applications around the clock and within minutes. Our instant approval process has helped countless Canadians get the money they need, no matter what time of day it is. We pride ourselves on helping you get access to cash as quickly as possible, so that you can take care of whatever financial burden you're dealing with.

3. Get Your Loan Funds

Once you've been approved, you'll receive your money within minutes. We send funds via e-Transfer, so that you can have access to your cash right away and use it for whatever you need. No holding, no waiting – just quick and easy access to the money you need, when you need it. It's really that simple!

What You Need To Get Approved For An Instant Loan

There are minimal requirements to be eligible to apply for our loans with instant approval. Like all reputable lenders in Canada, we ensure our lending practices are in line with the provincial regulations.

This means that you'll need to meet the following criteria to be approved for an online loan with us:

• You must be at least 19 years old.
• You must be a Canadian citizen, living in one of the provinces we operate in.
• You must have been receiving the same source or mix of incomes for the past 3 months to get an instant approval loan. We also accept other forms of income, so you can get a payday loan with government benefits in Canada i.e. child tax benefit, ODSP, etc. And while we don't issue no refusal payday loans for these income types, there's a good chance you'll be approved.
• You must have a minimum combined net monthly income of at least $800.
• You need to have a Canadian bank account that has been open for at least 3 months, with access to online banking.
• You must have a valid mobile phone, email address, and home address.

If you have any questions regarding these basic lending requirements, please don't hesitate to contact us. We're always happy to help and provide additional information where needed.

No Refusal Bad Credit Loans

You may have a difficult time finding a reputable lender that offers guaranteed approval loans for bad credit. The truth is that all legitimate lenders in Canada won't offer a bad credit loan with no refusal. This is because they would violate provincial regulations that are in place to protect borrowers.

However, just because you have bad credit, doesn't mean you can't get approved for a loan. We understand that financial emergencies can happen to anyone at any time – even if you don't have perfect credit. That's why we take a responsible and flexible approach to lending, taking into account your unique financial situation when making our decision.

We believe that everyone should have access to fair and transparent financial products. We offer bad credit payday loans with instant approval so that you can get the money you need as quickly as possible. And because we're a direct lender, you can be sure that you're getting the best possible rates and terms on your bad credit loan.

Get A No Refusal Loan Anywhere In Canada

At iCASH, we're a 24/7 Canada-wide service that is always here to help. No matter what time of day it is, we're here to provide you with the lending solutions you need. As a fully licensed lender that follows all provincial regulations, you can be confident that you're in good hands with us.

If you're facing a financial emergency and need cash now, don't hesitate to apply for one of our loans. We may not offer no refusal loans in Canada, but we have a high approval rate and can get you the money you need as quickly as possible.

We provide online loans to residents in the following provinces and we're ready to help you get the cash you need:

Local Payday Loans

Payday Loans in Alberta

Online lenders in Alberta provide a flexible solution to help you overcome emergency or unexpected situations.

Payday Loans in British Columbia

Are you looking for instant loans in BC? Apply today and get approved in minutes!

Payday Loans in Ontario

Residents of Ontario can Borrow Up To $1,500 in 2 minutes by applying with a direct lender. Get the funds you need fast!

Payday Loans in New Brunswick

Getting a money loan in New Brunswick is easy with our online application. We offer the best rates and the fastest loan approvals. Apply now and get approved Instantly.

Payday Loans in Manitoba

Payday lenders in Manitoba can help you pay for rent, urgent home repairs & emergency car expenses. Loan $100 - $1500 from a safe Canadian lender.

Payday Loans in Nova Scotia

Apply for e-Transfer loans in Nova Scotia in 3 easy steps, 24 hours a day, seven days a week.

Payday Loans in PEI

Need Money? People in PEI can apply for online loans and get the funds they need almost instantly.

Get Approved For An Instant Loan Today

Getting approved for an instant loan is easier than you may think. With iCASH, you can apply for a loan from anywhere in Canada and get the money you need on the same day. Because we are a direct lender that operates completely online, we can reach more Canadians and provide them with fast financial assistance any time of the day.

We offer alternate financial solutions for Canadians and accept all credit types. This means that if you've ever been turned down by a traditional lender or credit union, you may still be eligible for an instant e-transfer payday loan with us.

Our advanced technology and automated lending process allows us to find the right borrowing amount for you, so that you can get an instant pre-approved loan in an instant, as well as get access to cash without it being a financial burden.

Whether you have good credit, bad credit, or no credit at all, our instant approval loans can help you with whatever financial predicament you’re facing. As long as you meet the basic lending requirements, you can have extra cash in your pocket today.

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Online Loans in Canada With No Refusal

Online loans provide a convenient and flexible solution for Canadians who need access to cash quickly. They are a great option for those who have previously looked for online loans with no refusal but have had no luck in their search.

If you haven't been able to get approved for a traditional loan, or if you're simply looking for a more convenient lending solution, iCASH is here to help. As a leading provider of online loans with instant approval, we'll work with you to find the best borrowing solution for your personal financial situation.

Some of the added benefits of getting instant payday loans with approval online from iCASH include:


That's the magic of our automated online service! You can apply for a loan with us any time of day or night, from anywhere in Canada. There's no need to take time out of your busy schedule to visit a physical location to obtain a loan. Instead, you can simply download our mobile app or fill out our online application right from the iCASH website. Whatever your preference, we've made it easy for you.


Borrowing money online can be worrisome, but with iCASH you can rest assured that your personal information is always kept safe and secure. Our cutting edge 265 bit encryption technology protects your data so you can borrow with confidence, no matter where you're located. Plus, our privacy policy is designed to protect your information and ensure that it is never shared with anyone.


Unlike traditional lenders, we don't believe in making our customers wait days or even weeks to find out if they've been approved for a loan. When you apply with us, you'll receive an instant decision so you can get the cash you need to pay for whatever you need. And, because we send funds via e-Transfer, you'll get access to your money in as little as 2 minutes!

24/7 Loans in Canada

A good alternative to a traditional payday loan

Payday Loans that are offered online instead of in person. So what are the benefits of online loans? Well, aside from the obvious, here are a few reasons why online is awesome.

Maximum repayment period 62 days. APR is 109.50%. On a $500 loan of 14 days, the total cost of borrowing is $75, with a total payback amount of $575 and an APR of 391.07%. Interest fees: Alberta $15 per 100, British Columbia $15 per 100, Manitoba $17 per 100, New Brunswick $15 per 100, Nova Scotia $17 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.
24-Hour Loans in Canada
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 24-hour loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real Money!*

Frequently Asked Questions About No Refusal Loans

Can I get a payday loan in Canada with guaranteed approval?

No reputable lender will guarantee approval for a loan in Canada. All lenders have to reserve the right to reject applicants that they feel are too high a risk – who will likely be unable to repay their loan in full or on time.

However, top online lenders have high approval odds for their loans, that approval is virtually guaranteed. More than 9 in 10 customers seeking a loan in Canada with us are approved – even if they have bad credit, limited or no credit history, or have been rejected by other lenders previously.

Are faxless payday loans in Canada safe?

Yes. Today, faxes are a bit old-fashioned, and even mailing or scanning documents adds complexity and time to the lending process that is not needed. Whether they are called faxless payday loans in Canada, paperless payday loans in Canada, or online loans, leading lenders don't require any documents to be scanned, faxed, or mailed to be approved for a loan.

Removing this part of the lending process has improved the safety of loans. No longer do customers need to risk having their personal or financial information stolen or misplaced from rogue fax or mail delivered to the wrong address. Instead, everything they provide to an online private lender takes place securely through an encrypted online interface.

Can I get an e-Transfer payday loan in Canada 24/7?

You can get an e-Transfer payday loan in Canada 24/7 with reputable direct lenders such as iCASH. Unlike banks and traditional lenders, which may only be open during business hours on weekdays, we offer our services 24/7/365.

When time is a factor, we are your best chance to get approved, get funded, and get on with your life – quickly, easily, and conveniently.

Can I get a payday loan on the weekend in Canada?

You can get a weekend payday loan in Canada anytime, from anywhere. That means that you can apply in the middle of the night or during the day. It doesn't matter if you're at work or on the side of the road with a broken car, you can be at ease knowing that help is only a short click away.

Can I get a payday loan while on government benefits in Canada?

You can apply for a payday loan with government benefits in Canada for up to $1,500. We accept Child Tax, Employment Insurance, ODSP, AISH, provincial disability, CPP, Old Age Security, and more. Simply fill out the Employment Details section of the application with the details of your benefit income.

Can I get a payday loan with no credit check in Canada?

You can get a payday loan with no credit check, but you must be careful. There are a few lenders that will offer you a loan without running a credit check, but they might not be the most reputable lenders, so make sure to check that they are licensed to operate in your province.

You can apply and get approved for a small personal loan from a trustworthy lender even with bad credit, and avoid the less reputable lenders out there.

Can I get a payday loan in Canada with no bank verification?

You cannot obtain a payday loan with no bank verification in Canada. A bank account is required to either deliver your loan funds, or to debit the loan repayment, or both. Both brick-and-mortar loan stores, as well as online lenders, require applicants to have a valid bank account to be approved for a loan.

The exact requirements may vary, with some lenders requiring bank accounts that have been open for a certain period, or accounts that must be at a Canadian financial institution (as opposed to an overseas bank).

Can I get a loan in Canada with no job?

It is possible to get a loan in Canada with no job. Some lenders, like us, accept multiple forms of income. So long as your income meets the minimum requirements, and you satisfy all the other conditions we have set, then it doesn't matter if you have a job or not.

How can I get a loan if everyone denies me?

If you've been turned down for a loan by traditional lenders, don't worry - iCASH can still help. We specialize in providing payday loans to those who may not have the best credit score or who may not have access to traditional forms of credit. As long as you meet our basic eligibility requirements, we can help you borrow the money you need.

Why do I keep getting denied payday loans?

We understand how frustrating it can be to keep getting denied for payday loans. However, it may be because you don't have traditional employment income or because you have a history of poor credit.

If you're looking for an alternative to traditional payday loans, iCASH is here to help. We offer online e-transfer payday loans in Canada that can be accessed by anyone, regardless of their employment status or credit score.

What is the easiest loan to get approved for?

There is no one-size-fits-all answer to this question as different people will have different financial situations. However, iCASH offers online e-transfer payday loans in Canada that are quick and easy to apply for. We also have a high approval rate, so you're more likely to be approved for a loan with us.

Whether you're employed, on some form of government assistance, or collect income in a non-traditional way, we'll work with you to ensure you're approved for the amount you can comfortably repay.

Which app gives loans instantly in Canada?

The iCASH instant loans app is among the highest rated in all of Canada. With a 4.8/5 rating on Apple Store and a 4.7/5 rating on Google Play, our app is the perfect solution for those who need access to cash quickly, conveniently, and entirely online.
Best Payday Loans Canada

Safe Loans in Canada

Whether it's an appliance repair, dentist's bills, or student fees, everyone needs a little help from time to time. A quick payday loan from iCASH gives easy access to Canadians to the funds they need.

We want to make online loans as hassle-free as possible. Check out our Education Center to get all the details you need, from budgeting tips to financial term definitions.

If you are having a hard time figuring out how much money you need, try using our simple loan calculator.