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Payday Loans with No Credit Check in Canada

Are you in search of a payday loan but do not have the best credit score? Don’t worry, you’re not alone.

If you are looking for reputable companies that offer payday loans with no credit check in Canada, chances of you finding one are slim. While there may be some online lenders who give out loans without running a credit check, they often come with a catch — hidden charges and high-interest fees.

iCASH has helped over 300,000 Canadians overcome financial difficulties by offering low-interest and transparent loans, regardless of their credit score. Our goal is simple, to help anyone in need with a short-term financial solution, without holding on to their past financial mistakes.

So why do we check your credit score prior to approving you for a loan? We simply want to see that you have been paying back your debt on time. It is simply a verification process for us that shows you are in charge of your finances.

How do credit checks work?

In Canada, maintaining a good credit score is crucial. A credit score is a number that represents the risk a lender takes when you borrow money from them. Working towards establishing a good credit score will allow individuals to borrow money whenever they want to, with the lowest interest rates possible.

On the other hand, credit scores are also an indication for non-financial institutions and individuals to see if you are accountable and if you have a habit of paying bills on time. A credit check also shows how much debt a person has, or if the individual has filed for bankruptcy. For example, it is a common process for landlords to run a credit check on potential tenants because they want to see if they can pay rent on time.

No Credit Check Payday Loans

Bad Credit vs. No Credit

If you have no credit, that does not automatically mean that you have bad credit. It simply means that there is no record of a credit score, and lenders have no way to predict how likely you are able to pay your bills on time.

On the other hand, bad credit means you have made some poor financial choices that have resulted in poor credit score. It shows lenders that you have had difficulty in the past in paying back your debt. Bouncing back from a bad credit score is hard, but not impossible. As long as you’ve realized you need to recover, and have corrected your financial habits, you can easily recover in a couple of months.

We understand that poor credit can happen which is why we approve many Canadians that apply with us for loans for bad credit. If you are on the road to recovery, we look at your credit score as a part of our validation process. Because it is a part of our algorithm, it allows us to analyze and help us decide what is the right amount to loan to our applicants.

How Do Online Payday Loans with No Credit Check Work?

Companies that offer online payday loans with no credit check will review your take-home pay, employment history, as well as comparing your current monthly income to your monthly debt payments to come up with what’s known as a debt-to-income ratio.

Lenders who provide no credit check loans may not be able to provide instant approval because they may ask you for collateral. Are there online lenders who offer payday loans with no credit check? Yes.

Is it a good idea to apply for a loan through them? Not really.

We understand why you might be apprehensive when it comes to applying for a payday loan with poor credit. However, you don’t have to because we can approve you for unsecured loans for bad credit.

While some companies who advertise that they offer payday loans with no credit check, they do require some form of verification. They will also ask for documentation that can verify your current financial situation. This means more work for you!

Documentation requirements for no credit check loans:

The four most comment types of documentation that are requirements for no credit check loans are:

Bank Statements: Direct lenders want to know if you can afford a loan, so they want to see how much money is coming into your bank account on a monthly basis. That is why some online lenders that do not require a credit check might ask you to provide a bank statement to see if you can pay back the loan.
Income verification: Payday lenders need to know if a person is earning an income because they won’t give out a personal loan for bad credit to someone who can’t afford it in the first place. They will either ask you for an employment letter indicating your monthly income and how long you have been employed with the company or for pay stubs.
Some form of collateral: Lenders that offer no credit check loans want to be certain that you can pay back a loan. Because they aren’t able to assess your creditworthiness by pulling up your credit score, they will often ask you to put up something as collateral for security, depending on the amount of the short term loan.
Co-signer or guarantor: If no credit check direct lenders are not assessing your credit history, they will ask you to have someone co-sign and become a guarantor for the loan in case you can’t pay it back.

When you apply for a payday loan with no credit check, you should carefully assess the lender to make sure they are reputable and fair.

Read online reviews and thoroughly check through the fine print to understand the costs associated when you borrow money.

Does iCASH Offer No Credit Check Payday Loans?

When you apply for a loan with us, we run a credit check. Even if you have poor credit, there is still a good chance of you being approved.

Taking out a payday loan can help you get into the habit of paying bills on time and prioritizing important financial obligations. But we have to make a note that payday loans are not to be used as a long-term solution. We offer same day loans to those who need financial help in case of emergencies.

Our goal is to lower financial stress in a short-term setting and highly advise applicants against taking out payday loans repeatedly to maintain cash flow.

Apply for online payday loans with instant approval:

● Instantly Borrow Up To $1500.
● Get funded in just minutes 24 / 7.
● Guaranteed e-Transfer in 2 minutes.
● Bad credit accepted.
● No paperwork or documentation needed.
● 100% safe and secure online application.
● No need for collateral.
● Safe, reliable direct lender from Canada.

How to Apply for a Payday Loan with Instant Approval?

To apply for a payday loan,

1. Sign-up for an account with iCASH. It only takes a couple of seconds.
2. Provide basic information about yourself:
    a. Personal details.
    b. Employment details.
    c. Your banking information.
3. Get instant approval for up to $1,500.

The best part about applying for a loan through us is that you need absolutely no documentation! It is fast, easy, and you can get funded without having to worry about a credit check.

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Apply for an Online Payday Loan with Instant Approval


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Apply in a few simple steps and get the money today. Complete the quick and fast loan application on our website – provide some personal information about yourself, select the amount of money you need, and the loan repayment schedule*.


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As soon as you send us your online loan application. You’ll receive instant approval on your fast loan 24/7 so you can take care of anything that life throws your way. Quick, easy, trustworthy loans from a licensed Canadians lender.


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Your money will be sent to you via e-transfer in 2 minutes or less. Email money transfer means that the funds from a cash advance 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%. For a $300 loan of 14 days, the total payback amount is $345. 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 $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 with No Credit Check FAQ’s

Can people with poor credit get a payday loan?

Applicants who have poor credit scores can apply and get approved for a payday loan.

While we do look at your credit score, it is not a deciding factor that helps us approve applications. If you need to borrow money online, you are likely to get approved for a loan.

Are no credit check loans safe?

No credit check loans may not be safe because most lenders who offer these types of loans may not be reputable and may trap applicants in an endless cycle of debt.

That is because they charge higher than normal interest rates with extra hidden fees. If you do find a local payday loan place that says they can lend you money without doing a credit check, we recommend that you read the fine print to understand the fee structure.

How can I get a loan without a credit check?

In Canada, some lenders may provide loans till payday with no credit checks if you provide them with additional documentation, have a co-signer as well as put up additional collateral.

Where can I get an instant payday loan?

You can get an instant payday loan in just under 10 minutes with direct online lenders such as iCASH.

To qualify you must:
• Be at least 19 years old.
• Be a Canadian citizen and a resident of Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia or Prince Edward Island.
• 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 mobile phone, email address, and home address.

What is the easiest loan to get with bad credit?

The easiest loan to get with bad credit is an e-transfer payday loan 24/7 allowing you to borrow as much as $1,500.

With no minimum credit score requirements, your income and employment status are two of the many factors we look at upon approving a loan.

Borrow and Save!
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 instant approval payday loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real Money!*

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