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Loan Up To $1,500 Even With Bad Credit

If you've been turned down for a loan in the past because of bad credit, don't worry – you can still get a loan from iCASH. We understand that sometimes people have bad luck with their credit, and we don't want that to stop you from getting the money you need.

You may have even searched for online loans with no credit check in Canada, however, most reputable lenders will perform a credit check as part of their assessment process. At iCASH, we will check your credit, but we also consider other factors when we make our decision. So even if you have bad credit, there's a good chance that you'll be approved for bad credit loans with us.

If you're looking to get an instant loan regardless of your credit situation, here's how our process works:

Apply Online

If you're looking to get a loan online and be approved within minutes, you've come to the right place. Simply fill out our easy application form either online or through our mobile app. It only takes a few minutes, and you'll get an instant decision on whether or not you've been approved for the amount you applied for.

Get Instant Approval

After completing our fast and easy online application, you'll receive an instant decision letting you know how much you've been approved for. Once you've been approved for your loan, all you need to do is sign your contract and wait for your money. We'll send you an e-Transfer within two minutes of signing the loan agreement.

Receive Your e-Transfer

The final step is to collect your funds and start using them. Our loans for bad credit are sent fast via e-Transfer in Canada. Plus, you can use the money for anything you need - there are no limits or restrictions on how you can use your loan. Whether it's used to cover an emergency expense or to pay for everyday essentials, the choice is yours.

How No Credit Check Loans Work

Many people searching for no credit check loans in Canada may be doing so because they may have been turned down for a loan in the past or their credit score is not as strong as they would like it to be.

The truth is, bad credit isn't always a deciding factor for being turned down, and there are many lenders out there, like iCASH, who will approve loans for people with bad credit even after checking your credit.

What is a Credit Check?

A credit check is when a lender reviews your credit history to assess your financial situation and determine if you're a good candidate for a loan. Although checking your credit is standard practice, it doesn't mean that your loan is automatically approved or denied – other factors come into play and we'd like to reassure you that bad credit isn't a deterrent.

When it comes to checking your credit, there are two types of credit checks: hard credit checks and soft credit checks.

No Credit Check Payday Loans

A hard credit check is when a lender asks for your permission to review your credit report from one of the major credit bureaus (TransUnion, Equifax, or Experian). This type of credit check will show up on your credit report and may negatively impact your score.

A soft credit check is when a lender pulls your credit report but your score isn't impacted. This type of credit check is often used to pre-approve you for a loan or to give you an idea of what interest rate you may qualify for.

What is a Bad Credit Score?

A credit score is a number between 300 and 900 that lenders use to assess your creditworthiness. The higher your score, the lower the risk you pose to lenders, which may mean you're more likely to be approved for a loan with a lower interest rate.

• Your credit score is determined by several factors, including:
• Your payment history.
• The amount of debt you have and your credit utilization ratio.
• The types of credit you have (e.g., revolving, installment, etc.).
• The length of your credit history.
• Public records on your credit report.

We recognize that having good credit is extremely important, but we also know that life happens and sometimes people need a loan even if they don't have perfect credit. And while an iCASH loan without a credit check doesn't exist, we're here to help, with bad credit loans online.

What You Need To Know About Payday Loans With No Credit Check

There are a few things you should know about payday loans with no credit check before you apply. The first thing to know is that no credit check loans are not regulated by the Canadian government, which means they're not subject to the same rules and regulations as other types of loans. This also means that instant loans with no credit check often have strict terms and fees that can be difficult to meet.

Many lenders who offer this type of loan will often still do a credit inquiry and assess your creditworthiness. They will also require more collateral to secure the loan, often have a much slower approval process, and will require more documentation and paperwork. This can be a big hassle for anyone trying to obtain a fast loan to cover an emergency expense.

The best way to avoid being taken advantage of when applying for bad credit loans online in Canada that require no credit check is to work with a reputable online lender like iCASH. This is because we can offer you a loan with no hidden fees and flexible repayment terms. We also don't require any collateral, so you can rest assured that you won't have to put up your home or car to secure your loan. And while we do perform credit checks, it won't impact your credit score or be the sole deciding factor in whether or not you're approved for a loan.

Why Choose iCASH?

There are many reasons to choose iCASH when you need a loan and your credit isn't the best. First off, we approve 9 out of 10 applicants, so you have a good chance of being approved for a short term loan with bad credit or no credit at all.

There are many other benefits to choosing iCASH, such as:

100% Online

Applying for a loan with us is easy and can be done entirely online. There's no need to visit a store or wait in line. Everything can be done via our mobile loans app or through our online application found on our website. You also won't have to deal with any lengthy paperwork, which can be a hassle, especially if you're on-the-go and need money now.

Same Day Funding

We provide same day funding on all of our online payday loans with instant approval. We know that when you need a loan, you need it fast. That's why we offer some of the quickest funding times in the industry. Within just minutes, you can be approved and receive your money via e-Transfer.

Flexible Terms

We offer flexible repayment terms, which allow you to get the best loan for your needs. We also have absolutely no hidden fees or prepayment penalties - all of our terms are spelled out clearly. You may even qualify for payday loans with installments, which make repayment even easier. This flexibility serves our clients well, as they know exactly what they're getting into when they take out a loan with us.

Helpful Support Team

We are available 24/7 hours a day, 365 days a year, and our support staff is available to help or answer questions and day, any time. With over 600,00 Canadians helped, we're confident that we can help you too and work with you on your own repayment agreement.

Our Easy Requirements For Instant Payday Loans

All of our loans are easy to get even if you’re worried about your credit or have been turned down before. Because we focus on your ability to repay, and not your credit, we’re able to provide payday loans with instant approval to more applicants, so you have a good chance of getting the money you need with us.

The basic requirements for iCASH bad credit loans are that you:

• 19 years of age on the date of application.
• A Canadian citizen.
• Must have been receiving the same source or mix of incomes for the past 3 months.
• Must have a minimum combined net monthly income of at least $800. This is the cumulative total required from all wages, tips, federal child tax benefits, federal and provincial social assistance programs, pensions, and so on.
• Have a Canadian bank account that has been open for at least 3 months, with access to online banking.

Apply Now And Get Up To $1,500 Today

If you're looking for alternative financing options while rebuilding your credit, a loan from iCASH can help. We offer e-Transfer payday loans of up to $1,500 and can get you the money you need within minutes.

No matter your financial situation, life happens, don't let bad credit or no credit hold you back from getting the financial assistance you need. To apply for a loan with us today, simply fill out our short and easy online loan application, and once approved, you could get a same day e-Transfer in as little as 2 minutes. It's that easy.

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Apply for an Online Payday Loan with Instant Approval


Apply Online

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*.


Instant Decision

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.


Get Fund

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%. 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.
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!*

Frequently Asked Questions About Payday Loans With No Credit Check

What kind of loans can you get without a credit check?

The type of loan you can get without a credit check will depend on the lender. Some lenders may offer payday loans, while others may offer personal loans or lines of credit.

No matter what loan type, it's important to carefully read the terms and conditions before signing any loan agreement, as there may be fees or other conditions that you're not aware of.

What's the easiest loan to get with no credit?

The easiest loan to get with no credit is typically a payday loan, as they tend to have less stringent requirements than other types of loans. Payday loans are typically small, short-term bad credit loans that can be approved quickly and easily because payday lenders will focus on your ability to repay the loan, not your credit.

To apply for a payday loan, you can simply:

• Apply online on our website or via our mobile apps.
• Get instant approval.
• Sign the loan agreement and get funded via e-Transfer.

How can I instantly borrow money?

The easiest and quickest way to borrow money is through an online lender that provides instant loans. Borrowing money online eliminates the need to go through a traditional bank or lender, which can save you time and hassle.

To get your loan, you will need to fill out an application and provide the lender with documentation confirming your employment history and income stream.

Once your application has been processed, and your loan is approved, you need to sign and submit your loan agreement. Your cash advance will be sent via e-Transfer within minutes of receiving the signed loan agreement.

How can I get a no credit check loan?

To get a loan without a credit check, you need to look for a lender that does not look at your credit report. Then, simply create an account on their website, provide the required personal information (typically your physical address, employment status, and biweekly income), collateral information, and submit the application.

If the direct lender needs additional information before approving your loan, they will contact you immediately to keep the process moving along swiftly. If they are satisfied with what you have provided, the simple online application form should be sufficient for them to transfer the funds in short order.

Which loan is easiest to qualify for?

Short term unsecured term loans have the easiest approval process and require basic qualifications. In this case, you don't need to provide personal collateral to the lender. These loans are always a great choice for Canadians as they are offered to all types of credit history.

Does applying for a payday loan affect your credit score?

Payday loan applications are typically not submitted to credit reporting agencies and should not affect your credit score. If you miss a loan repayment, the lender may work with a collection agency to collect the debt. These agencies will then report the information that would later reflect on your credit report.

Do you need credit for a payday loan?

No, you don't need credit for a payday loan. Lenders will focus on your current employment status and income to determine whether or not you can afford to repay the loan. Poor credit or no credit at all isn't a barrier to getting a payday loan.
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