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Payday Loans Nova Scotia

Your Personal Payday Loan Solution

Payday loans in Nova Scotia can be a lifeline for many people in economic trouble. The ability to access payday loans with instant approval, to help with cash flow, pay for unexpected or emergency bills and expenses and help make ends meet is extremely important when an urgent unforeseen expense comes up.

In the past, it was too often difficult for people with bad credit or in economic distress to access funds. Banks and traditional lenders are very risk-averse and saw payday loans as too risky. But thanks to the rise of private online money lenders in Nova Scotia, consumers can now access to the funds they need even with bad credit!

Read our guide below to learn all about the benefits of payday loans in the province of Nova Scotia, how to apply for them when you need extra cash, and much more.

Payday Loans in Nova Scotia

Payday loans in Nova Scotia were much harder to obtain than they are today. To start, you had to visit a payday loan store. These were often located in bad parts of town. They were also of questionable legitimacy, and not really focused on customer service or convenience. However, following the financial crash of the late 2000s, credit and loan markets became extremely tight.

Many people were shut out from accessing credit or loans at traditional banks, but still weren’t sold on visiting lending store locations. Online payday loan companies have sprung up to fill the gap and provide loans to those who need them most.

When you need to borrow money, you can do it without the need to visit a store or branch office. There are often no documentation requirements, minimal to no credit score requirements, and a total focus on convenience, speed, and service.

You can get you the money you need in an hour or less from the time you start your payday advance loan application. They’re available 24/7/365 to every resident of Nova Scotia. All you need is an internet connection and smartphone, tablet, or computer.

Simply put, you can get complete an application for a payday loan and get approved for up to $1,500. You can then repay it back from your next paycheck, or several paychecks, depending on the options you choose. The funds are made available to you and you’ll be able to use as you see fit. After all, you best know your own personal financial needs. It’s convenient, easy and smart!

Easy payday loans online in Nova Scotia provide you the funds you need via e-transfer within 5 minutes after being approved.

When Nova Scotia residents need emergency loans, their requests are urgent, and online money lenders should be just as quick in approving you for the funds that you need. Emergency payday loans online take just minutes to apply for and get you the cash you need that same day.

All of our online payday loans are highly flexible, so that you can find the ideal solution to suit your financial needs. You can borrow any amount within the range we offer and choose from multiple repayment terms and options.

Whether you live in Halifax, Dartmouth, Cape Breton, Truro, Sydney or anywhere else in this great province, you can get access to payday loans in Nova Scotia with iCASH.

The online approach from iCASH is much safer, faster, and more convenient for the vast majority of Canadians as they can apply at their convenience for payday loans from their home or work. This is especially nice during the cold winter months from November to April where it’s cold, wet and temperatures can go down to -7 Celsius.

Bad Credit Loans in Nova Scotia

To qualify for bad credit loans in Nova Scotia, online money lenders are usually more flexible on credit score requirements. Banks and traditional lenders have extremely high credit score requirements, in order to minimize risk.

Some of this is a result of regulations put into place following the financial crash. Money lenders, however, focus on lending money to customers. There are no deposit accounts to protect, as in the case of banks which means each payday loan companies can set their own risk threshold once you apply for unsecured loans for bad credit.

The average Canadian credit score is around 650, and many banks require 700, 720, or even higher in order to offer any kind of loans to customers. That disqualifies a lot of people from consideration. But with loans for people with bad credit, that’s no longer a problem!

This allows a company such as iCASH to provide bad credit loans in Canada guaranteed approval.

At iCASH, we guarantee we will never decline your loan application solely on the basis of your credit score once we perform a credit check. We purposely set our requirements to be as realistic as possible even if you have a bad credit history.

The net result of all of this is that bad credit loans are easier than ever to obtain. Prior to approving a customer for a payday loan, most companies almost always perform a credit check, but typically accept customers even with poor credit.

Most companies have credit score requirements below 500, or no requirements at all to be eligible for a loan. Now, Nova Scotia residents can finally get the cash loans they need to improve their financial situation, without having to jump through a bunch of hoops. No longer do you need to wait days or weeks to find out if you’ve been approved for a loan.

Use our bad credit loan application. Provide basic information about yourself, select the amount you need and your repayment schedule. In most cases, it should take you less than 10 minutes to apply for a loan on the iCASH website or via the iCASH loan app and we’ll provide you with instant decision on your loan.

iCASH can get you approved and get the money in your hands in an hour or less so you can get on with your life.

Payday Advance Loans in Nova Scotia

Payday Advance Loans in Nova Scotia will usually allow you to get a fast loan so you can pay for unexpected emergencies such as replacing home appliances, car and home repairs, appliance repairs or replacement, medical, dental, or vet bills, education expenses, and helping make ends meet until their next paycheck is deposited.

In the past, when someone in Nova Scotia needed a payday advance loan, they would need to go to a "payday store" and complete an application, provide documentation, provide a bank statement, proof of income, speak with someone about the loan and then and wait to see if they were approved.

Today, residents of Nova Scotia who take a payday advance loan, do so because they know that they will get the funds they need very quickly and it allows them to avoid paying Where can I get bad credit loan in Nova Scotia? on utility bills, credit cards charges, insurance payments, rental fees as well as other type of payments which might be subject to Where can I get bad credit loan in Nova Scotia? if the scheduled payment date is overlooked.

When you take out a payday advance loan in Nova Scotia, there are absolutely no usage restrictions on how you use the funds. This gives you a great amount of financial freedom, and the ability to make the best financial decisions for your unique, individual situation. Whether you put it towards paying your bills, emergency expenses, a new TV, vacation, or holiday gift for your kids, you have complete and total control of your express loan proceeds.

In reality, the sky is the limit as all of the proceeds from a payday advance loan is available to use the same as cash. It’s entirely up to you how you put those funds to use.

Instant Payday Loans in Nova Scotia

Instant Payday Loans in Nova Scotia provide residents the money they need fast to pay for unexpected bills and expenses. You don’t need to wait a long time to get approval as you would when applying for a personal loan with a bank. You also avoid waiting time as there are no visits to a bank’s branch office, no phone calls, no faxing or mailing documents and no hassle.

Instant loans can provide you with the flexibility that you need to pay for bills on time to avoid late payment fees which can accumulate and if not paid, can also affect your credit report.

A lot of people we spoke to in Nova Scotia think that they can't get approved for online payday loans with instant approval unless their credit scores are very high. That isn't the case with iCASH. High credit score is not essential to apply for a loan with us. That’s because we lead the payday loan industry where we instantly approve 9/10 people who apply with us.

You can borrow up to $1,500 in 5 minutes by completing a fast short-term loan application and get you’ll get an instant decision on your loan. This means that you will find out if and how much you were approved for right away. If you’re approved, we will send the funds to you with e-transfer so that you can take care of your finances and get back on track.

The secret of what makes instant same day loans so fast, and how iCASH can offer such quick approvals in Nova Scotia, is the automated approval software. Traditional lenders and banks rely heavily on credit scores to do the hard work for them. They simply decide what an acceptable credit score threshold is and reject anyone who falls below it. It would be too much work for them to actually review all the finances and information of a borrower, to render a personalized decision.

Online payday loans are approved based on a variety of factors, including all the information disclosed by the borrower in the application. Credit score and credit history are also considered. But the main factor is whether or not customers have sufficient income to repay the small loan. If they do, they’re typically approved instantly, thanks to the thorough review available due to advanced technology and software algorithms.

Applying for an instant payday loan in Nova Scotia is easy. First, find a direct payday lender that offers these types of loans. Then, fill out their application, go through the approval process, and get your funds. Same day funding is typically available and usually within 1 hour or less.

All of this speed doesn’t compromise the quality of service at iCASH. We’re committed to being up-front with our customers, as an honest, ethical, and responsible payday lender. All our interest rates are clearly spelled out on our site and as part of the application and loan agreement process.

So, what are you waiting for? An instant payday loan is just a few clicks away!

Instant Payday Loans in Nova Scotia

To find the best online payday loans in Nova Scotia, we’ve put together some helpful tips. Be sure to look for a lender which meets the following criteria:

  • • The company is licensed and certified as a direct-to-consumer online payday loan lender within Nova Scotia. They should have their license information available on their website, which you can cross-check within the provincial government database.
  • • The payday loans company is based in Canada. Many online companies are based in overseas jurisdictions, typically off-shore tax havens with few laws or regulations protecting consumers. A Canadian-based company must obey Canadian laws and Nova Scotia regulations which in turn provides you with more protection.
  • • The money lender clearly spells out their interest rates and the cost of borrowing as part of the application process. You should know how much your payday loan is going to cost you, so that you can compare between providers and make the best choice for you.
  • • Your payday loan lender uses top-notch Internet security, including the latest encryption technology, to ensure your transactions are secure. This will help keep your personal and financial information safe.
  • • They should have flexible instant payday loan options, rather than one-size-fits-all loans, so that you can craft a payday advance loan that’s suited to your particular needs.
  • • Offers 24/7/365 availability for applications, approval, and funding.
  • • Has bonus programs, member rewards, or other perks to offer – they can add up to a lot of savings!

The leading online payday loans company in Nova Scotia that meets these criteria is iCASH. We offer payday loans of up to $1,500, at competitive interest rates and the entire process is completed online. Read on to learn more about what sets iCASH apart from the competition, and why more residents are choosing iCASH for their payday loans in Nova Scotia.

We also provide loans in these cities of Nova Scotia

in Halifax, Cape Breton, Dartmouth, Truro, Sydney

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How to Get a Payday Loan in Nova Scotia?

Apply Online
Apply Online

Getting a payday loans in Nova Scotia is easy with our online application. Choose your loan amount, repayment options, along with basic information about you. It only takes 5 – 10 minutes to apply.

Instant Loan Approval
Instant Decision

Complete your payday loan application online. It will be evaluated by our software and a credit check will be performed. You’ll receive a quick decision and know if you were approved as well as the loan amount.

Get Your Funds
Get Fund

As soon as you’re approved for a payday loans in Nova Scotia, we will send you an email with your loan agreement which needs to be digitally signed. Funds will be sent to you via e-transfer within 5 minutes.

Minimum repayment period 61 days. Maximum repayment period 62 days. 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. 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.
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Online Payday Loans in Nova Scotia

Bad Credit Loans in Nova Scotia

When you apply for bad credit loans with guaranteed* approval in nova scotia, we look at so much more than just your credit score because you are more than the number in your credit bureau file! And the iCASH team understands that. We are focused on getting the entire profile of a person and most importantly the person’s capacity to repay, and not so much the bad circumstances of your past.

Online Payday Loans in Nova Scotia

If you're a resident of Nova Scotia, your online payday loan application is processed in real-time and we do not need you to come into an office to drop off documents or sign any paperwork. We cut out the red-tape: no faxing, no mailing, no in-person signing. The internet makes everything so much easier!

We also provide online loans for child tax.

Best Payday Loans in Nova Scotia

Residents of Nova Scotia who apply for a loan, have our commitment to be the best payday loan company by acting responsibly and ethically. There are no hidden fees and the loan details are explained in clear, understandable terms.

Our Customer Experience Team is available to answer any and all questions, 7 days a week. iCASH is licensed to operate throughout Nova Scotia.

Instant Payday Loans Nova Scotia

In the majority of cases when you apply for an instant payday loan in Nova Scotia, our sophisticated decision-making system allows you to get approval within 5 minutes. For the majority of applicants, the funds will be available on the same day.

Safe Payday Loan Company in Nova Scotia

iCASH has invested in the latest 256-bit encryption technology to make sure that when you apply for a payday loan online in Nova Scotia, your application and all your data is 100% safe. We have established the highest principles and standards that are in line with the industry’s codes of ethics.

We are making sure that everyone in Nova Scotia has access to safe, smart and simple solutions when they need an instant payday loan.

FAQ - Payday Loans in Nova Scotia

When you’re first considering a payday loan in Nova Scotia, you’ll likely have some questions about how things work, how you can apply, and so on. We’ve got answers for you and you’ll be an expert on in no time. We’ve put together a comprehensive set of Frequently Asked Questions (FAQs) for you, along with detailed answers. If you have additional questions that are not covered here, please feel free to explore the rest of the iCASH website, including our payday loan FAQ page, or reach out and contact one of our Customer Experience Advisors, via the iCASH Contact page.

Find out what our customers think about iCASH!

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How to be Eligible for a Loan

Applying for and receiving a payday loan in Nova Scotia is easy. When you choose iCASH as your lender, it’s as simple as 1-2-3!

1.) Log on to and fill out the online loan application.
2.) Get an instant decision that’s based on your application and credit history. There are no minimum credit score requirements, and a poor score will not result in any kind of automatic declines.
3.) Upon being approved for a cash loan, digitally sign your loan agreement. As soon as we receive your signed agreement, we will send the money to you in as little as 5 minutes via e-transfer.

It really is that easy. 9/10 applicants are approved for instant loans at iCASH. Those are very good odds, especially when you’re in need of access to quick cash.

How Can I Apply for an Online Payday Loan in Nova Scotia?

Prior to applying for an online payday loan in Nova Scotia, you want to be sure you meet the minimum lending requirements.

At iCASH, the minimum requirements to be eligible for instant online loans are fairly straightforward and pretty easy for most people to satisfy. These include:

  • You must be at least 19 years old at the time of application.
  • You must be a Canadian citizen, and a resident of one of the provinces in which we operate, namely Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia, or Prince Edward Island.
  • You must have a minimum monthly net income of $800.
  • You must have been receiving this income from the same source for at least the past 3 months.
  • You must have a Canadian bank account, which has been open for at least 3 months, with access to online banking functions.
  • You must have a valid mobile phone number, email address, and home address.

Is Getting Approved for a Payday Loan in Nova Scotia Difficult?

So long as you meet the minimum lending requirements, getting approved for a payday loan in Nova Scotia with iCASH is quite easy. More than 90% of applicants are approved – even if they’ve been rejected by banks and traditional lenders. This is possible thanks to the advanced software that we use. It’s able to paint a much more accurate picture of who you are, and your risk as a borrower, than relying on a simple credit score.

While a credit check is performed during the approval process, there are no minimum credit score requirements. You’ll never be rejected for a loan at iCASH solely on the basis of a poor credit score.

Can I get an emergency loan?

Emergency loans refer to the short-term loans, which are there to help the people of Nova Scotia during times of crises and when sudden unexpected circumstances arise.

An emergency payday loan can be much more effective at helping you manage your cash flow by getting you the funds you need.

You can apply online for an and get funded quickly. This can all be done online from the comfort of your home or office 24/7 which is especially convenient during the cold winters of Nova Scotia.

How Do You Get Approved for Payday Loans in Nova Scotia?

Getting approved for a payday loan in Nova Scotia is fairly straightforward. Just make sure you meet the minimum eligibility requirements and complete your application. That’s all there is to it! You’ll then receive an instant approval decision as well as the loan amount that you were approved for.

There’s no documentation required in the application, no visits to any offices – just a simple online application that most people can complete in 5 to 10 minutes. Of course, higher credit scores, larger monthly income than the minimum, and so on all increase your chances of being approved for your desired payday loan amount. But with 9/10 applicants approved, the odds are definitely in your favor.

Can You Get a Weekend Payday Loan in Nova Scotia?

Weekend Payday Loan in Nova Scotia are available (yes, even on Saturday and Sunday) allowing you to borrow up to $1,500, and pay it back as one lump sum, or over 2 or 3 installments, depending on the options you choose and are approved for. This can really help make your financial life a bit easier, which is the main goal of our services. You are free to spend the funds as you see fit, from managing your finances to paying your bills as needed.

We also provide immediate decision on your loans even on Saturday and Sunday which can really be a lifesaver for many people and make the difference between being late on your bills, foregoing food or utilities, skipping emergency dental work, leaving an appliance broken, the car unrepaired, or getting those things taken care of when you should. In a crisis these type of loans from can help improve your life.

Despite being an entirely digital operation, we still have a well-trained Customer Experience team who are available to speak with you over the phone on the weekend to answer any of your questions or help you through the application process. They are available 7 days a week, during normal business hours in Nova Scotia.

Helping you get your weekend payday loans approved instantly and easily is our ultimate goal.

Where can I get bad credit loan in Nova Scotia?

If you need a bad credit loans in Nova Scotia because your credit score is below average, you can still be approved for a loan of up to $1,500.

Having bad credit history will not exclude you from being approved for unsecured loans for bad credit. In fact, we approve 9/10 loan applications because we know that life happens and that your past should not stop you from achieving your dreams today which is why everyone merits a second chance.

While we do perform a credit check as part of the loan approval process, your credit score is not a disqualifying factor. That’s just one more reason why many bad credit loan customers in Nova Scotia love iCASH.



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!