Responsible Lending, Finabanx Ltd. operating as iCash

Discover how Finabanx Ltd. operating as iCash responsible lending practices help protect consumers and promote sustainable lending in the Canadian financial landscape.

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Cost summary

Cost
$85.50
Cashback
-$66.45
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Responsible lending

At Finabanx Ltd, our integrity and reputation depend heavily on our ability to act ethically and honestly. We take this responsibility very seriously. To guide our employees and directors in the highest standards of ethical business activities, we have developed the following Code of Conduct.

This Code of Conduct is a collection of rules and principles based on responsible lending practices currently present in Europe and Australia. With an underlying fundamental understanding that we are individually and collectively responsible for conducting business ethically and with integrity.

Code Of Conduct

Conformity:

We are fully licensed in every province of operation. We conform to all rules and regulations pertaining to our regulatory environment. We are fully engaged in offering our clients credit solutions that totally comply with applicable federal and provincial laws and We will not take any actions that conflict with these regulations. This engagement applies to both the loan underwriting as well as any collection operations.

Sustainability:

Finabanx Ltd. operating as iCash, in good faith and with integrity, will only provide loans that are within our client’s capacity for repayment. Using due care and diligence, and exercising our best independent judgment, We will provide loans that are inside of this repayment capability.

Transparency:

In full compliance with applicable rules and regulations, Finabanx Ltd., operating as iCash, provides clear and comprehensive information about all rates, fees, and other costs. We will not directly or indirectly mislead, manipulate or fraudulently influence our clients. Our employees will offer transparent and honest answers to any questions regarding the fees associated with our payday loans in Canada.

Security:

We take all reasonable measures to protect our client’s data and personal information. We will never resell our client’s personal information. Our online loan applications are conducted and processed in a highly secure environment.

Integrity:

It is our pledge to take a cautious and conscientious approach to every decision regarding lending practices. This Code of Conduct will be at the forefront of our business decisions. We believe that everyone deserves access to ethical and prompt financial services and We will work diligently toward that end. If you have any questions or comments regarding our Code of Conduct, please feel free to email us at [email protected]. We will be more than happy to hear from you!

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iCash is a member of the Canadian Consumer Finance Association.
iCash uses TransUnion technology to improve our lending solutions.
iCash uses Interac e-Transfer to send loans to our customers.
iCash uses Equifax technology to improve our lending solutions.
iCash is owned by women and promotes diversity, equity, and inclusion.

Behind each review is an experience that matters

Since 2016 we have happily served over half a million customers.

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1

Apply Online

Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.

Sign up and apply online or on our app.
2

Instant Decision

Our online loan application will tell you if you’re approved instantly. Once approved, all you have to do is electronically sign your contract. It’s that easy!

Get a decision instantly after completing our paperless loan application.
3

Get Funds

Once you sign your digital agreement, your cash advance will be sent by e-Transfer within 2 minutes. Fast, convenient and hassle-free. Funds are sent 24/7, no matter what.

Receive your money by e-Transfer within minutes of signing your agreement.

We help our members get their finances back on track

$215 Million
saved by iCash customers since 2016
61,300+
positive reviews
$10,500,000+
given in Cashback
2.3 Million
online loans issued since 2016
700,000
downloads of the iCash App

Frequently asked questions

I was pre-approved, how long will it take to receive a response?

If you have been pre-approved, this means that your loan application has passed the first validation steps successfully but some of the information provided still needs to be manually reviewed by our Credit Team. Our team is constantly reviewing loan applications 24/7.
Normally, you will receive an email response within 1-2 hours but it could go up to 4 hours on our most busy days.

Have more questions? Check out our full FAQ.

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