How much would you like to borrow?


How many repayments?

Where do you live?

Lender licences
Get my loan
+ 300 000
members since 2014
of approved applications
4.9out of5
customers would recommend us to their friends

Customer Rating

Loans in Guelph

In the not-too-distant past, it was virtually impossible to find payday loans in Guelph, Ontario, Canada. Payday loan stores were largely confined to major cities. As a result, many residents of cities and towns like Guelph have far less experience and knowledge of these valuable quick loans and how they can be used than their bigger city counterparts.

Fortunately, that is starting to change, thanks in part to the growth of online lenders, like iCASH, easy payday loans in Guelph, Ontario are within the reach.

Payday loans are short term loans, which provide borrowers unrestricted cash funds. These are known as unsecured loans since they do not have a collateral requirement to take out the loan.

These same day loans must then be repaid, with interest, after a term of a few weeks to a month. Because no collateral is required and the loan term is short, they are an excellent source of emergency funds.

Payday loans in Ontario have short and easy applications, instant approvals, and funding. They are low work, low maintenance, and low stress, so that you can get the money you need and get on with your life.

Residents looking to get fast cash in Guelph can borrow up to $1,500, which can make a real difference in people’s financial lives. Most people utilize our payday loans for unexpected or emergency expenses.

Examples include auto repairs, home repairs, medical and dental treatments, family emergencies, appliance repairs or replacement, and other expenses of that nature. Given these ideal uses, most borrowers want to get their funds as soon as possible, and therefore can best be served by seeking a loan from an online private lender.

Online Payday Loans in Guelph

Online payday loans for Guelph residents are far superior to their old big-city loan store counterparts. They share the same core characteristics, including the short repayment timetable, no collateral requirement, cash proceeds, etc.

By leveraging modern technology, online loans provide a number of additional benefits that make them more convenient and accessible. In short, they make it easier and faster for more people to get the emergency loans they need, with a much more pleasant and user-friendly borrowing experience than traditional lenders.

The best online payday loans in Guelph and elsewhere in Canada are available online 24/7, every day of the year. They do not require a visit to a loan store, either – just a laptop, tablet, or smartphone and working Internet connection.

Essentially, that means borrowers can apply anytime, from anywhere, whenever they need. Unlike traditional payday loan stores and places in Guelph. Modern loans are handled via a simple digital application process, there is no requirement to mail, fax, or scan anything.

While some customers may worry about the safety or security of their data, top online lenders use a range of tools (including encryption technology) to keep transactions private and secure. In this way, online payday loans are no different than online banking or electronic payment services.

Further, many lenders have robust customer service teams available to help with any application or loan management issues, making the lending experience an extremely positive one for most borrowers.

Perhaps the biggest benefit of choosing online instant loans is that the entire lending process, from start to finish, can take less than a half hour to complete. A short application, instant approval decision, and fast funding via e-mail money transfer can put cash in borrower’s hands today.

If you need money now, there is nothing more important than speed. That is why so many borrowers are choosing online payday loans in Guelph today.

Bad Credit Loans in Guelph

Bad credit loans in Guelph are available from top online lenders, even if borrowers have poor credit or no credit history.

One of the biggest considerations when applying for a conventional loan comes down to a borrower’s credit report and credit history. It is usually the deciding factor for most banks and traditional lenders, with high credit score requirements to qualify for a loan.

That results in many customers with less-than-perfect credit scores or limited credit history being declined and left with few options to borrow money online. That is not the case, however, with our payday loans for bad credit.

To start with, unlike banks and conventional lenders, loans for bad credit do not require collateral. That makes it much easier and faster to qualify for one of these loans and increases accessibility to those borrowers who may not otherwise have sufficient collateral available.

On top of that, payday lenders usually have more generous or no credit score requirements in the first place. They use a variety of different metrics to determine risk and loan eligibility, with the principal consideration being whether or not the borrower has sufficient income to repay the loan. By not relying on and de-emphasizing credit reports, more people can get the cash they need.

Loans for bad credit in Ontario typically do include a credit check as part of the application and approval process. However, unlike conventional lenders, this is not disqualifying. Rather, in most cases, the credit check is done to verify the identity and information in the loan application.

Top lenders will not reject an application solely because of a poor credit score – the exact opposite of traditional lenders. That means that even those borrowers who have been turned down for conventional loans at banks and similar lenders can still qualify and get approved for a bad credit loan in Guelph.

Need a Cash Loan in Guelph?

There are many reasons why people might need a quick cash loan in Guelph, Ontario. Despite an unemployment rate that is generally lower than the rest of Ontario and Canada, a good portion of the economy is still dependent on manufacturing of one kind or another.

These sectors can be volatile in response to changes in the economy and market overall and leave several workers in a tough spot.

With a concentrated number of large manufacturing employers, single industry downturns can impact a lot of workers at once. Guelph is home to several of these employers, including Linamar, Cargill Meat, Polycon Industries, Guelph Manufacturing Group, and Blount Canada.

While the city has a vibrant cultural scene and many attractions that make it a great place to work and live, life can still throw challenges at residents. When times are tough, the economy is down, or life simply is not going well, access to quick cash can make all the difference.

Instant loans for Guelph residents are available from online lenders, like us. You can fill out our loan application online in just minutes, get your approval instantly, and have your funds just a few more minutes after that.

The entire lending process can be completed in as little as 30-60 minutes. Cash loans in Guelph and throughout Ontario enable people to better manage their finances and help handle unexpected bills and emergencies.

Smart Phone

Best Loans in Guelph

Get up to $1,500!
Try our mobile application!

Sign up with our free app and access your account anywhere.

4.6 / 5 STARS
2759 Rating
4.8 / 5 STARS
5.4K Rating

Apply for an Online Payday Loan in Guelph!

Apply Online

Apply Online

Apply in a few simple steps and get the money today. Complete our online loan application on our website or app– provide us with some personal information about yourself, select the amount of money you need, and submit your application.

Instant Approval

Instant Decision

As soon as you submit your loan application. You’ll receive instant approval on your loan 24/7, so you can take care of anything that life throws your way. Sign your loan agreement and send it back to us.


Get Fund

After receiving your signed agreement, we’ll send you the money within 5 minutes via e-Transfer. Email money transfer means that the funds from your loan can be accessed anytime, day or night, 24/7. Safe, loans online with same day funding.

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.

Payday Loans Guelph FAQs

What do I need to qualify for a payday loan in Guelph?

The minimum requirements to be eligible for a payday loan are:

• Be at least 19 years old at the time of your application.
• Be a resident of Ontario and a Canadian citizen.
• Have been receiving the same source or mix of income for at least the past 3 months.
• Have a net income of at least $800/month. This can include wages as well as social assistance programs from the provincial or federal level, private pensions, retirement plans, and other sources.
• Have a Canadian bank account that has been open for at least 3 months and has access to online banking features.
• Have a valid mobile phone number, email address, and home address.

How can I get the best short term loans in Guelph?

The best short term loans are available from iCASH. Thanks to our advanced, machine learning-based lending platform, loans are available 24/7/365. This same platform enables us to perform an instant approval of your loan application.

From the first time you start filling out the loan application to the time money is available, for most people, it takes only 30 to 60 minutes. We can honestly say we offer one of the fastest loans in Canada for that matter.

Can I get a small loan in Guelph on ODSP or disability?

You can get an ODSP payday loan in Guelph and throughout Ontario based on your ODSP and/or disability income. The net income requirement for a loan at iCASH is $800 per month.

This can include multiple sources of recurring income and is not limited to just wages. Applicants simply need to detail their income sources and amounts in the “Employment Details” section of the online application.

Can I get a payday loan on child tax benefit in Guelph?

Parents who receive the child tax benefit can use this income towards a payday loan. Government benefits like retirement or pension payments and social assistance programs can be used as a source of income.

As long as your income is at least $800 you can be eligible for a child tax payday loan in Guelph.
Borrow and Save!
Get up to 20% in Cashback!*

iCASH offers a unique Cashback program to reward its customers in Guelph. You can get back up to 20% of the cost of borrowing paid once your payday loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real money!*

iCASH logo Traditional Payday Lenders Lenders with brokerage fee
Flexible repayment plans*      
Offers cashback program for more savings*      
Free membership benefits      
No hidden charges   
E-transfer in the next 5 minutes      
Get a loan now