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If you need to borrow money and you’re tired of turning to payday loan stores throughout Ontario, you’ve come to the right place. We understand that when you need money, you need it fast. That’s why iCASH offers instant online loans that can help cover unexpected expenses.

What is a payday loan?

A payday loan is a type of short-term loan that allows you to get cash, usually in an emergency situation. Also known as an unsecured loan, they require zero collateral from you. Most of the time, they are acquired from in-store providers and paid back in full on your next payday.

However, iCASH has been disrupting the industry since 2016. Canadians are tired of commuting to a store, waiting in line, and filling out paperwork just to borrow a few hundred dollars. That’s where iCASH comes in. We’ve quickly grown to become the leading alternative to payday loans in Ontario and the rest of Canada. Our instant loans are available entirely online and through our mobile app.

Why Choose iCASH?

Whether you live in Ontario or somewhere else in Canada, you can get easily approved with iCASH. With over 850k happy customers, we are the go-to online alternative to payday loans in Ontario.

Here’s why 850,000 Canadians prefer borrowing with us:

No waiting around

We understand that waiting isn’t fun, especially when it comes to getting the money you need. That’s why we e-Transfer your cash loan within minutes of signing your digital agreement. No questions asked!

No paperwork

It’s a much more convenient alternative to get your loan online or through our mobile app. We ensure 24/7 processing and funding, completely online and completely paperless. Your funds will be e-Transferred fast and without any hassle. That’s our guarantee!

100% safe & compliant

We are a fully licensed online lender in Ontario and 100% compliant with all of the requirements set out by provincial regulations. Whether you need $100 or $1,500, our instant loans could be the perfect solution to assist you at any time.

How to Get an iCASH Instant Loan

Our instant loans are a convenient way for people in Ontario to get a cash advance in just a few easy steps. If you're interested in applying, take a moment to familiarize yourself with our simple application process.

Applying with us is an easy three-step process:

1. Apply online

Simply answer a few basic questions about yourself and your income, and you're done! You can apply and get approved in as little as two minutes.

If you have internet access or mobile data, you’re good to go! Simply grab your laptop, tablet, or smartphone to start the application process. Alternatively, you can download our app.

2. Get approved instantly

Once you have applied, you’ll find out instantly if you’ve been approved. We’ll then send over a digital agreement for you to review and sign. The process is convenient and fast. Our excellent customer service agents will also answer any questions you may have along the way.

3. Get your money

We’ll send you an e-Transfer within 2 minutes of signing your agreement! We've streamlined the process to ensure our clients get their money as quickly as possible. Just a simple e-Transfer. That means no more cashing cheques or depositing cash for you!

Don’t worry about bad credit or no credit history

We’ve helped over half a million Canadians with less-than-perfect credit get approved for a loan. We’ll make sure the entire process - from start to finish - is hassle-free so that you can get the exact amount you qualify for.

When it comes to bad credit loans in Ontario iCASH is the leading online lender. We focus on your ability to repay to determine how much we can lend to you. Our mission is to help all Canadians access credit when they need it most.

Types Of Income Accepted

Whether you’re a salaried employee or on disability, we can work with your income. As long as you make at least $800 a month, you can get approved with us.

Other forms of income that we accept include:

If you'd like more information about the types of income we accept, please don't hesitate to contact our customer service department.

Get An Instant Loan Anywhere In Ontario

You can apply for instant payday advance loans with iCASH online throughout the province of Ontario, 24 hours a day, 7 days a week. Whether you live in Toronto, Ottawa, Mississauga, Brampton, London, Windsor, Hamilton, Markham, Niagara Falls, Kitchener, Barrie, Oshawa, Brantford, Guelph, Burlington, St. Catharines, Sudbury, Cambridge, Thunder Bay, Scarborough, Oakville, Kingston, or anywhere else in the province of Ontario, we’re the best alternative to in-store payday lenders, period! Rest assured that we can lend you cash quickly and without any hassle. Apply now to get started!

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Don’t Get A Payday Loan In Ontario.
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Apply Online

Apply in a few simple steps and get the money today. Complete our online loan application on our website or app.


Instant Decision

As soon as you submit your loan application, you’ll receive instant approval on your loan 24/7. Once approved, sign your loan agreement and send it back to us.


Get Fund

After receiving your signed agreement, we’ll send you the money within 2 minutes via e-Transfer. 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 Ontario. 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!*

Frequently Asked Questions

What are the minimum requirements to get approved in Ontario?

In Ontario, it’s very easy to get approved with us. If you meet the following requirements, you’re eligible!

  • • You’re At least 19 years of age.
  • • You’re an Ontario resident or a resident in any of the provinces we operate in.
  • • You can show that you have been working with the same employer for the past three months.
  • • You have a net income of at least $800/month.
  • • You receive your paychecks via direct deposit.

Will I get approved if I have bad credit?

Having a poor credit score will not disqualify you from getting approved with us. We focus on other criteria like your ability to repay. As a conscientious lender, we will only lend you an amount of money that you can easily pay back.

How much can I borrow?

The maximum amount of money you can borrow is $1,500.

You can use this money to pay for unexpected bills, emergencies, weekend getaways, etc.

Regardless of what you may need to borrow money for, iCASH is the top-rated online alternative to payday loans in Ontario.

Can I get a loan on child tax benefits in Ontario?

Absolutely! You can get approved with child tax credits. In the employment details section of our application, you can simply provide us with the specifics related to your benefit income, including CCTB.

Our application can be accessed online or through the iCASH mobile app.

Can I get a loan on Ontario works?

Yes, you can! As long as you receive a fixed monthly payment by direct deposit, you can get a loan from us. If you are not sure which income sources qualify you, contact our customer support team for assistance any time of the day.

Can I get a loan on ODSP or disability?

Yes! we work with many ODSP recipients throughout Ontario. All you need to do is communicate your benefit income information in the employment details section of our online application.

Can iCASH Instant loans be cancelled?

Yes. You are allowed a "cooling off period" when you apply, meaning that if you change your mind and cancel within two business days, then no fees will be charged.

If you find yourself in a situation where you no longer need same-day funding, our excellent customer service team will happily assist you.

Can I get a loan on the weekend in Ontario?

Yes! iCASH operates 24/7, even on weekends and holidays. So you can get approved with us anywhere in Ontario for up to $1,500. We also provide instant approval decisions, even on Saturday and Sunday, which can be a lifesaver for many individuals. Our loans are available 24/7.
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