Payday Loans Ottawa

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iCASH Is The #1 Payday Loans Lender in Ottawa

Payday Loans Ottawa

Online Payday Loans in Ottawa

When residents of Ottawa think of payday loans, what comes to mind? For a lot of people, it’s “payday loans near me” or “Ottawa payday loans locations”, however these types of cash advance stores are often in bad parts of town, that seem a bit seedy. They often aren’t the kind of places you’d want to go at all, let alone to get money.

What many people don’t know is there’s a new generation of payday loans in Ottawa. Online lenders are revolutionizing the personal lending industry. They’re making it easier and safer than ever before to get short-term loans in Ottawa. Read on to learn more about how to apply for an online loan, what you can do with your money, and more!

Instant Payday Loans in Ottawa

Instant payday loans in Ottawa online offer tremendous benefit for consumers. They’re available online, 24/7, so you can get your money on a schedule that fits your life. You don’t need to waste time travelling to a store or branch location, and don’t need to risk your personal safety. There are no documentation requirements, nothing to fax, mail, or notarize, and the application process itself is incredibly fast. Everything can be done online, from the comfort of your home.

What’s more, the main reason that they are called instant payday loans is that approval and funding is incredibly fast. Gone are the days where you had to wait hours, days, or weeks to get approved for a loan, and even longer to get your money.

Direct online payday lenders in Ottawa provide instant loan approval and funding the same day. Some even offer funding within an hour or less from the time you start your application. Because, when you need money, and you need it now, you don’t have days or weeks to wait. Instant payday loans are the answer!

Instant payday loans can provide residents of Ottawa the flexibility that they need to pay for their bills on time to avoid late payment fees which if not paid, can impact you credit.

As a resident of Ottawa, Ontario, you can borrow up to $1,500 in less than 5 minutes by completing a payday loan application and you’ll get an instant decision which means that you will know if and how much you were approved for right away. If you’re approved, we will send the funds via e-transfer so that you can take care of your finances and get back on track.

Quick loans online 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 pay back their loan. If they do, they’re typically approved immediately, thanks to the thorough review available due to advanced technology and software algorithms.

Applying for a fast loan in Ottawa 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. Funding is typically available and usually within 1 hour or less of starting your application.

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.

Express loans in Ottawa are only a few clicks away. Start now and as soon as your application is approved, you’ll have the money in your hands in less than an hour.

Cash Loans in Ottawa

Cash loans in Ottawa are fast, easy, available 24/7, and only requires a few minutes of your time. You can get approved in minutes and get your funds shortly after that. At the same time, your chances of approval are much higher than when you visit a traditional lender or bank.

To find the payday cash loans in Ottawa, 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 payday lender in Ottawa. They should have their license information available on their website, which you can cross-check within the provincial government database.
  • • They are based in Canada. Many short-term cash loan 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 Ontario 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 cash loan is going to cost you, so that you can compare between providers and make the best choice for you.
  • • The company 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 offer 24/7/365 availability to apply for a fast cash loan online, get quick approval, and quick funding.

The best quick cash loans company in Ottawa that has all of the above requirements is iCASH. We offer fast loans of up to $1,500, at competitive interest rates and the entire process is completed online.

In addition to providing same day payday loans, credit scores are not essential when you complete a loan application with us. That’s because we lead the industry where we can instantly approve 9/10 people who apply online.

The secret of what makes quick cash loans so fast and how we can offer instant approvals to residents of Ottawa, is our automated approval software. Traditional lenders and banks look at credit scores to determine if an applicant should be approved for a loan.

When we approve payday loan applications for residents of Ottawa, we look at many factors including all the information that’s provided individual that’s applying for the loan. Credit score as well as credit score history is considered but the most important factor that we look at when we approve an online loan is whether or not the client has enough income to pay back the loan.

Bad Credit Loans in Ottawa

For those who need bad credit loans in Ottawa will discover that their credit history is not something to be concerned with. Traditional banks and institutional lenders usually have very high credit score requirements to qualify for their loans. Because short term loans aren’t issued by Canadians banks but rather private payday lenders, they can set their own risk when they lend money. As a result, bad credit loans in Ottawa have never been easier to obtain.

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. This in itself would disqualify a lot of people from getting a bad credit loan in Ottawa.

Too often, the people who need access to credit the most are those who have poor credit history, limited savings, and are in economic trouble. However, with private money lenders, your past credit history will not be a factor when you apply for a loan for people with bad credit.

We promise we will never decline your loan application solely on the basis of your credit score. We purposely set our requirements to be as realistic as possible even if you have poor credit.

Prior to approving Ottawa residents for bad credit payday loans, most companies almost always perform a credit check, but typically accept customers even with poor credit. Direct payday lenders will typically have credit score requirements below 500, or no requirements at all to be eligible for a loan. No longer do you need to wait days or weeks to find out if you’ve been approved for short-term loans.

Apply online for a bad credit loan payday loan with instant approval. Provide some basic information about yourself. In most cases, it should take you less than 15 minutes to apply for a loan.

iCASH can get you approved for bad credit personal loans in Ottawa and get the funds in your hands in less than an hour so you can get on with your life.

Online Payday Loans Ottawa

One of the best aspects of obtaining online payday loans in Ottawa is that there are no restrictions on how you use the money. All of the loan proceeds can be used as the borrower sees fit. This is in contrast to an auto loan or home loan, that is tied specifically to a certain purchase of an asset. Many people find that instant payday loans provide them with the financial flexibility which they need to improve their financial situation.

While there are no restrictions, some of the most common uses of online payday loans with instant approval include emergency expenses, unexpected bills, repairs to your home or car, fixing or replacing appliances that have broken down, covering dental, medical, or vet bills when someone is sick, paying for a vacation or holiday presents, helping out with education costs, and just helping to manage cash flow.

Every person is unique and deserves full consideration of their application. Online loans are available 24/7 and remain much easier to qualify for with iCASH.

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 in both official languages and answer all of your questions as well as help you through the payday loan application. They are available 7 days a week, during normal business hours in Ottawa.

When you apply for a payday loan online, you benefit from modern technology which allows us to provide instant approval. The entire process can be completed on the iCASH website or the iCASH mobile loan app. Regardless of your credit score, we can still approve you today.

We also provide loans in others cities

in Toronto, Mississauga, Brampton, London, Windsor, Markham, Hamilton.

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How to Get a Payday Loan in Ottawa?

Apply Online

Apply Online

Apply in a few simple steps and get the money today. Complete our online loan application on our website or app– provide us with some personal information about yourself, select the amount of money you need, and submit your application.

Instant Approval

Instant Decision

As soon as you submit your loan application. You’ll receive instant approval on your loan 24/7, so you can take care of anything that life throws your way. Sign your loan agreement and send it back to us.


Get Fund

After receiving your signed agreement, we’ll send you the money within 5 minutes via e-Transfer. Email money transfer means that the funds from your loan can be accessed anytime, day or night, 24/7. Safe, loans online with same day funding.

Minimum, maximum repayment period 62 days. Maximum APR for 62 days 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 $15 per 100.
372 Bertha Street, Hawkesbury, Ontario, K6A 2A8. iCASH only offers online services.
+ 200 000
members since 2014
of approved applications
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Fast Online Payday Loans Ottawa, Ontario

Payday Loans in Ottawa for Bad Credit

While we do look at your credit score, there is so much more to you than the number in your credit bureau file! And the iCASH team understands that. iCASH is focused on getting the entire profile of a person, most importantly the person’s capacity to repay, and not so much the bad circumstances of your history.

Online Payday Loans Ottawa

If you're a resident of Ottawa, 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!

Best Payday Loans in Ottawa

Residents of Ottawa who apply for an online payday loan, have our commitment to act responsibly and ethically. There are no hidden fees and the loan details are all explained in clear, understandable terms. Our team is available to answer any and all questions, 7 days a week. iCASH is licensed to operate in Ottawa and throughout Ontario.

Instant Payday Loans in Ottawa

In the majority of cases, our sophisticated decision-making system allows you to receive an instant decision on your payday loans in Ottawa. For the majority of applicants, the funds from your loans will be available on the same day.

Safe Payday Loan Company in Ottawa

iCASH has invested in the latest 256-bit encryption technology to make sure that when you apply for an online payday loan in Ottawa, 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 the Greater Ottawa Area has access to safe, smart and simple solutions when they need an instant payday loan.

Payday Loans Ottawa - FAQ

Before you take out a payday loan in Ottawa, you might have some questions such as how it does all work, what’s involved, and so on. But don’t worry, we’ve got you covered! We’ve put together a comprehensive set of Frequently Asked Questions (FAQs) for you, along with detailed answers, so that you can learn all you need to know about how to apply, and more.

If you have additional questions about instant payday loans 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.

Q. How Can I Get a Payday Loan in Ottawa?

A. It’s easy to get your Payday Loan in Ottawa. Simply fill out the online application. It takes most people 10 minutes or less. When you apply a second time, the process is even faster, since your information is automatically saved.

Submit your loan application, and you’re on your way. You’ll get an instant approval, be able to digitally sign your payday loan agreement, which means, you don’t have to visit any payday loan store in Ottawa, and you can get the money via e-transfer in as little as 5 minutes. As mentioned above, there are no minimum credit score requirements, either, so it’s easy for almost anyone to qualify for a fast loan online.

Q. How Do I Get a Payday Loan in Ottawa?

A. Applying for and receiving a payday loan in Ottawa is easy. When you choose to apply online, 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 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 payday loans at iCASH which is very good to know, particularly when you’re in need of access to funds quickly.

Q. Can I Apply for an Online Payday Loan in Ottawa?

A. The minimum requirements to apply for an online payday loan in Ottawa are very easy to qualify for. To get approved for a payday loan even if you have poor credit, you need to:

✔ Be at least 19 years old
✔ Be a Canadian citizen, and a resident of Ontario.
✔ Have a monthly net income of at least $800.
✔ Have been receiving the same source or mix of income for the past 3 months.
✔ Have a Canadian bank account, open for at least 3 months, with access to online banking functions.
✔ Have a valid mobile phone, email address, and home address.

So long as you meet those minimum requirements, you are fully eligible to apply for a quick payday loan in Ottawa and once you’re approved the funds will be send to you via e-transfer. Everything is done from the convenience of your own home, so you don’t need to go out to any payday store in Ottawa during the cold winter months.

Q. Is It Hard to Get a Payday Loan in Ottawa?

A. If you meet the above requirements, then there’s a very good chance you will be approved for your payday loan in Ottawa. Many of the private lenders that operate in Ottawa approve many applicants even when the banks said no.

The reason for this is because of technologically advanced software which provides instant approvals on cash advanced loans. The software reviews all the data you provide in your application, runs a credit check to evaluate your credit score as well as other data in order to make an instant lending decision.

These kinds of decisions don’t rely too heavily on your credit score, but rather look at a number of factors to get a more accurate picture of your risk as a borrower. Thanks to advanced technology, and the superior service, obtaining the funds from a payday loan can take less than one hour.

Q. Who Provides Emergency Loans in Ottawa?

You can obtain emergency loans in Ottawa for up to $1,500 in less than an hour, to use as you see fit. Emergency expenses, health, dental, or pet health problems, family emergencies, urgent travel, and similar purposes are among the most common uses of payday loans.

Obtaining your funds fast, and getting on with your life, is something that online payday lenders can offer quick, easily and with your convenience in mind.

We make it easy to apply for immediate payday loans. No paperwork is needed, and you’ll get instant approvals, even on a holiday and weekends when you may need a quick payday loan. The entire process is managed online, and you don’t need a good credit score in order to be approved. To apply, simply tell us some basic information, the details of your income, let us how much money you would like to borrow, and confirm the repayment date, that’s it!

Unlike the payday advance stores that may offer emergency loan in Ottawa, there is no need to make an appointment; and everything is done online, at a time and place that suits you.

Q. How Do You Get Approved for Payday Loans in Ottawa?

A. If you meet the minimum eligibility requirements for payday loans in Ottawa, then all you need to do is complete your application. There’s no documentation required, and no lengthy paperwork. You can get approved and find out the loan amount that you were approved for very quickly.

Obviously, a higher credit score and monthly income in excess of $800 improves your chances of getting approved. But so long as you meet the minimum requirements, you have around a 90% chance of being approved for your payday loan.

If you have poor credit history, you can apply for bad credit loans that you will most likely get approved for. As an industry leader in approving online loans for bad credit, we understand that your repayment history is not always a fair reflection on your current ability to repay a loan on time.

Q. Can You Get a Payday Loan in Ottawa on the Weekend?

A. Weekend payday loans make it very to get the funds you need quickly when other loan places in Ottawa are closed. In fact, online money lenders are available 24/7/365. Weekends, the middle of the night, holidays – it doesn’t matter. So long as you have an internet connection, and a smartphone, tablet, or computer, you’re good to go.

Due to the fact that the approval process is also automated, you can get that same instant approval decision any time of day, any day of the week and fund transfers, likewise, can happen 24/7. So yes, you can get your payday loan in Ottawa at 3:17 am on a Sunday morning. No problem!

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

iCASH offers a unique Cashback program to reward its customers in Ottawa. You can get back up to 20% of the cost of borrowing paid once your ODSP payday loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real money!*