Online Payday Loans Alternative Near You

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Flexpay Payday Loans Solution

Get up to $1500. Low Rates. 5 minutes e-transfer

Searching online for “payday loan near me” can be a challenge, and often, it’s the last thing anyone who needs a cash advance loan wants to deal with. Luckily, there’s iCASH, you see, we are a licensed online lender for residents of Alberta, British Columbia, New Brunswick, and Ontario, that means we’re always “near you”. Just that we’re only a few clicks away, whenever you need us. You can apply for a loan online 24/7, from the comfort and convenience of your home or office.

With iCASH, searching for “payday loans near me” doesn’t have to ever happen again. Once you’ve applied for a short-term loan online, you’ll never go back to traditional lenders. Speed, simplicity, convenience, competitive rates, flexible terms – we’ve got it all! You can borrow between $100 and $1,500, and repay in 1, 2 or 3 installments depending on your financial situation and needs. And the entire process is incredibly fast – most loans go from application to funds being sent to you via e-transfer in about an hour or even less. When you need a quick cash advance or short-term loan, and you need it now – iCASH is the place to be!

We’re fully licensed and certified by the provincial authorities in every province in which we operate. In addition, we believe in the highest ethical and responsible lending standards. We provide full transparency, and strive to portray our loan agreement, interest rates, and other elements of our lending process in plain English throughout the application and agreement stage.

Our goal is to help you improve your financial.

20%

CASHBACK

Borrow and Save!
Get up to 20% in Cashback!*

iCASH offers a unique Cashback program to reward its customers. 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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Get up to $1,500!

Try our mobile application!

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

4.6 / 5 STARS
1773 Rating
4.8 / 5 STARS
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How to apply for a Flexpay Payday Loan Solution

Apply for a Payday Loan
Apply Online

Fill out the payday loan application online – it takes 5 to 10 minutes for most customers – then hit submit.

Get Quick Approval
Instant Decision

Our decision-making algorithms review your application, credit score, and other information, and provide a near-instant approval decision.

Get Your Money
Get Fund

Once approved, digitally sign your loan agreement. When we get it back, we release your funds via e-transfer within 5 minutes.

Loan terms vary from - 62days. 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
+ 200 000
members since 2014
93%
of approved applications
4.9out of5
customers would recommend us to their friends


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

What are payday loans used for?

Pay for Gifts

Whether it’s a lead-up to the holidays, a birthday, Valentine’s Day, school graduations, or any other number of events, at times it can be hard to always find the money in your budget to buy the perfect gift for someone you love.

With a short-term loan from iCASH, though, you can make their day – whether it’s with a small token of your affection, or an extravagant gesture. The best gifts come from the heart, of course – but, diamonds are a girl’s best friend, too.

Repair that Busted Appliance

It always seems like appliances break down at the worst time especially during the cold Canadian winter months. And there’s not much that can be done other than getting them repaired or replacing them – particularly when it’s something critical like a heating system, refrigerator / freezer, oven, and so on. If you’re searching for “payday loans near me”, it sounds like you need fast cash loan for something urgent. With iCASH, that’s exactly how things will go – you’ll get the cash you need, in the form of a short-term cash advanced loan, quickly and easily. Then, you can get your broken appliance repaired or replaced and get back to living your life, without a hassle.

Fix Your Leaky Roof

Snow, rain, and ice in winter. Rain in spring, summer, and fall. Our Canadian roofs take a pounding from mother nature. When leaks develop, you need to get them fixed ASAP to avoid more serious damage to your home. Fixing your roof can be expensive, depending on the extent of the issue. With a cash advanced loan, you can pay your repairman and get your roof fixed right away. Don’t let a little problem turn into a big one by putting off necessary repairs due to cash flow issues. No need to worry about finding a payday loan near you, just get a short-term cash loan and stay dry!

Get Your Car Back on the Road

Like the aforementioned appliances, cars, too, have a way of breaking down and having issues at the worst times. Don’t get stranded in the snow and freezing cold of the great white north! Keep your car in good working condition, and get any issues fixed as soon as they come up. It’s worth the money. And where can you get that money?

A quick cash loan can be the perfect solution to keep your car on the road, and keep your finances managed – don’t sacrifice your mobility or take risks with your safety and well-being. Get your car back on the road, and stay on the road, with a short-term loan from a trusted online lender, iCASH.

Always online, always near you.

Cover Emergency Expenses

When a natural disaster strikes, or some other family emergency comes up, it can be brutal on your bank account. Searching for “payday loans near me” is totally understandable in these situations. Help cover your emergency expenses, and make ends meet, with a short-term loan from iCASH. If you need a plane ticket to see an ill family member, for example, or money for a hotel stay due to a bad power outage from a winter storm, iCASH will be there for you, with funds available near-instantly upon signing your loan agreement.

Find out what our customers think about iCASH!

"Pertige from BC"
"Sami from Ontario"
"Teri from New Brunswick"
"John from New Brunswick"
"Erika from Alberta"
"Stephen from Alberta"
"Chelsea from Ontario"
"Scott from Alberta"
"Lynda from Ottawa"
"Kenton from Alberta"
"Catalina from BC"
"Chris from Alberta"
"Jasmine from BC"
"Christa from Alberta"
"Melissa from Ontario"
"Heather from Alberta"
Read our customers stories

What are the requirements to apply for a payday loan from iCASH?

Applying for a loan at iCASH is very simple, and there are only a few basic requirements you have to meet in order to apply. These are:

  • You must be a Canadian citizen, living in Alberta, British Columbia, New Brunswick, and Ontario.
  • You must be at least 19 years old.
  • You must have been receiving the same source of income for at least 3 months.
  • You must receive a net income of at least $800/month.
  • You must have a Canadian bank account, opened for at least 3 months, with access to online banking features.
  • You must have a valid mobile phone, email address, and home address.

Does iCASH offer bad credit loans?

Bad credit loans is often one of the only kinds of funding that someone with bad credit history can obtain. iCASH doesn’t believe in rejecting you solely based on your credit score. We consider all applications so long as you meet our basic requirements described above. We’re proud to say we’ve had many successful loans with customers who have what would otherwise be considered bad credit and have helped them to make their financial situation a bit better.

I searched for payday loans near me, do you have any offices that I can visit?

Every aspect of your experience with iCASH can be completed online which means we are always just a click away and near you.

This lets us have highly competitive lending rates, and keeps our lending process simple, quick, and useful for the vast majority of Canadians. That doesn’t mean you’re stuck without human help, though. We have Customer Experience team is available, 7 days a week, via chat, email or by phone, during normal business hours and they can help with any issues you may have.

Why do you only operate in certain provinces?

While we would like to be in every province so that when you search “payday loans near me” you can find and get a loan from iCASH, this is due to the regulations, laws, and licensing requirements, which vary from province to province. We hope to expand as our business grows and as we apply for and receive regulatory approval in additional provinces, we will be sure to post about it on the iCASH website.

Do I have to pay back a payday loan from iCASH?

Yes. All our loans need to be paid back with interest. The ability to pay back a payday loan is one of our key criteria in the approval decisions. Fortunately, we make it really easy to pay back the loan. On the agreed-upon repayment date, the amount due (principal plus interest) will be automatically deducted from your bank account – the same account we deposited your loan funds into in the first place. You don’t need to send us a check or cash in the mail. Easy and quick, just like the entire lending process at iCASH.

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