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Date Published: August 5, 2026
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Licensed in British Columbia (#67639)
Fully online and available 24/7
Over 32,000 BC residents helped in 2025
Funds sent in 2 minutes by Interac e-Transfer
Key Takeaway
iCash lends up to $1,500 to BC residents at a flat cost of $14 per $100 borrowed. There's no credit check required on repeat loans, funds typically arrive within minutes of signing by Interac e-Transfer®, and the entire process happens online or through our app, wherever you are in the province.
A payday loan is meant to cover a short-term cash gap, not to serve as an ongoing source of income. With iCash, you can borrow from $100 to $1,500, based on your income and eligibility.
Rather than repaying everything in one lump sum, British Columbia permits up to 3 installment payments spread across a 62-day window (applicants with a monthly pay frequency are only eligible for 1 repayment term). You can find the full set of rules by checking out BC's payday loan lending rules.
The borrowing fee with iCash is $14 for every $100 borrowed — a flat rate with no hidden charges, no compounding interest, and no additional fees. It's the maximum permitted under British Columbia regulations, and it's the only fee iCash charges. You'll see the full cost before you sign anything: borrow $200, for example, and the fee comes to $28 ($14 for each $100), for a total repayment of $228. The same ratio applies at every amount from $100 to $1,500.
Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.
Our online loan application will tell you if you’re approved instantly. Once approved, all you have to do is electronically sign your contract. It’s that easy!
Once you sign your digital agreement, your cash advance will be sent by Interac e-Transfer within 2 minutes. Fast, convenient and hassle-free. Funds are sent 24/7, no matter what.
Applying with iCash is straightforward, and eligibility requirements are the same whether you live in downtown Vancouver or right here in Delta. Here is what you need:
Be at least 19 years old
Be a resident of any of the provinces in which we operate
Show that you have been receiving the same source of income for the past three months
Have a total net income of at least $800/month
Have access to an online bank account, in which pre-authorized debits can be performed*
Have a valid Canadian mobile phone number, address, and email address (VoIP numbers are not accepted)
*Please note that KOHO accounts do not qualify as they do not support pre-authorized debits.
We don't limit applicants based on their income either. Whether you receive income from standard employment or government benefits like disability assistance, you can absolutely still qualify for a payday loan with us!
If your credit isn't in great shape, that's not a dealbreaker. We offer bad credit loan options in BC as well, because we believe you're more than a number. While we do conduct a credit check solely on your first loan, we won't base our lending decision on it.
Cashback Rewards Earn up to 12% cashback on the cost of borrowing as a repeat customer, a benefit you will not find with cash advance apps or in-store payday loan providers.
Referral Program Refer friends or family and earn rewards through our Referral Program. Share your referral link, and when someone you know applies and gets approved, you both benefit.
Trusted by Canadians Over 1 million Canadians have used iCash. See what real customers are saying on Trustpilot, where we hold a 4.7 out of 5 rating.
iCash Mobile App Apply, track your loan, and manage repayments right from your phone. Our app is rated 4.8/5 on the Apple App Store and 4.8/5 on Google Play.
All Credit Welcome Your credit score does not define your eligibility. We accept all types of credit, so a low score does not have to stand in your way.
Delta blends farmland, port and industrial employment — Deltaport is one of the country's busiest container terminals — with a commuter-suburb rhythm tied to Vancouver. Household incomes here are among the higher in the region, but so are housing costs, and much of the workforce commutes out for work. When British Columbia's broader affordability squeeze meets an unexpected expense between paycheques, even a comfortable Delta household can feel the pinch.
In Delta, the median household income comes in around $108,000, above what's typical across the province (Statistics Canada, Census Profile 2021). That figure only tells part of the story, though.
Average rent in Delta has climbed to roughly $2,000 per month, in line with much of the South of Fraser region
Groceries for an average family run about $760 per month
Delta sits in TransLink's Zone 3, so a monthly pass to Vancouver runs $211.65, though buses within the area are a single fare
Average consumer debt load: $24,808 (Equifax, Q3 2025)
Renters as a share of households: roughly 20% (Statistics Canada, 2021 Census)
With a rent-to-income ratio of roughly 22% and an unemployment rate of 6.2% (Statistics Canada, Labour Force Survey — Vancouver CMA), Delta households tend to earn more than the provincial average — but higher housing and commuting costs quietly absorb a lot of that margin, so an unexpected expense between paycheques can still throw off the month.
In 2025 alone, more than 32,000 British Columbians turned to us for short-term funds.
If you're looking for free, judgment-free financial guidance, Deltassist Family & Community Services provides budgeting support and financial literacy resources to Delta residents. And if you're short between paycheques, we're here to help bridge that gap.
A payday loan works best as a short-term bridge, not a routine part of your budget. Before you apply, take a few minutes to map out your next paycheque against what you owe: rent, groceries, transit or vehicle costs, and anything else due around the same time.
If the repayment date doesn't leave enough room to cover those essentials, it's worth reconsidering the amount you borrow, or whether now is the right time to borrow at all. If you're finding that you need short-term credit every month rather than occasionally, that's usually a sign it's worth looking at the bigger picture. The Financial Consumer Agency of Canada (FCAC) is a good starting point for learning about your rights and options as a borrower in British Columbia.
Whether you live or commute across the South of Fraser region, iCash works the same way wherever you are. You can also get a payday loan in Surrey, Richmond, or Langley City, all online, with no branch visit and same-day e-Transfer funding.
Behind each review is an experience that matters
Since 2016, we've helped over 1.6 millions Canadians get instant loans online.
Since 2016, we've helped over 1.6 millions Canadians get instant loans online.
Read more reviews.
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 paying off your first online 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.
Have more questions? Check out our full FAQ.
