Responsible Lending

Discover how our responsible lending practices help protect consumers and promote sustainable lending in the Canadian financial landscape.

13.4K ratings

4.8 out of 5

21.3K ratings

4.7 out of 5

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Minimum

$100

$750

Maximum

$1,500

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Elite

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Cost summary

Cost

_$85^.50

Cashback

_$0^.00

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Responsible lending

At Finabanx, 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:

We, 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, We provide clear and comprehensive information about all rates, fees, and any 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!

iCash is owned by women and promotes diversity, equity, and inclusion.

Behind each review is an experience that matters

Since 2016, we've helped over half a million Canadians get instant loans online.

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

Apply Online

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

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.

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

$145 Million

saved by iCash customers since 2016

45,000+

positive reviews

$7,600,000+

given in Cashback

1.6 Million

online loans issued since 2016

700,000

downloads of the iCash App

Frequently asked questions

Can I get an instant loan in Canada?

Absolutely! At iCash, we offer instant loans in Canada that can be obtained entirely online so you can get the cash you need, whenever you need it. You can get funded within minutes, 24/7, from the comfort of your home or on the go.
We offer quick and reliable service with no hidden fees, so you can rest assured that you're getting the best loan possible. It only takes a few minutes to apply for our online loans so you can easily go on with the rest of your day!

What is the easiest online loan to get in Canada?

The easiest online loan to get is from iCash. As a trusted Canadian lender for short-term loans, you'll be confident knowing that our instant loans are completely safe and easy to access.
You can still apply and get approved for an iCash loan even if you don’t have the best financial history. We love to go the extra mile to help Canadians of all financial backgrounds get access to fast and easy cash whenever they need it.

How can I get an online loan immediately?

The best way to get an online loan immediately is by using a trusted and reputable lender that operates 24/7. At iCash, our fast and convenient online loans can be funded in as little as 2 minutes. Plus, we’re always open - even on weekends and holidays!

Can I get a loan using an app?

The iCash mobile loan app allows you to apply for, and receive e-Transfer loans in Canada in as little as 2 minutes. Your money will be transferred directly to you via e-Transfer as soon as you are approved and sign your agreement.
With our app, you can repay your loan in a way that works best for you, as well as get exclusive details on special offers and member benefits*

What are the requirements to get an instant loan?

There are minimal requirements to meet when getting an instant loan with iCash. We believe that everyone should have access to a cash advance when they need it. Everyone's financial situation is different, and we understand that. That's why we accept all forms of income, including government benefits and social assistance programs.
To be eligible for an online loan with iCash, you need to meet the following criteria:

Be at least 18 years old (19 years old for applicants in British Columbia, New Brunswick, and Nova Scotia)
Be a resident of any of the provinces in which we operate.
Show that you have been receiving the same source of income for the past three months.
Have a total net income of at least $800/month.
Have access to an online bank account.
Have a valid mobile phone number, address, and email address (VoIP numbers are not accepted).

If you meet these requirements, you can apply for an iCash instant loan online and get funded within minutes. You can also contact our customer service staff to answer any questions you may have about our loans or the application process.

Which payday loan gives the most money?

At iCash, we offer payday loans online of up to $1,500. This is the maximum amount you can receive because we follow short-term loan regulations in Canada, which are meant to be repaid within a few weeks.
We understand that everyone's financial needs are different, which is why we offer flexible repayment options and payment schedules*. You can also choose to repay your loan early without any penalties.
You may find an alternate lender who approves you for a higher amount, but you should research the lender carefully to ensure they have your best interests at heart. Many lenders will try to take advantage of you by offering high interest rates and hidden fees on personal loans.
At iCash, we pride ourselves on being a responsible lender and always putting our customers first. We’ll also only approve you for a loan that you can comfortably afford to repay.
We want to help you rebuild your credit and get back to financial freedom faster!

What credit score do you need for a payday loan?

You may think you need a high credit score to get approved for a payday loan, but this isn't always the case. iCash doesn't see a bad credit score as a deterrent when approving you for a loan!
We understand that people's financial situations can change and sometimes unfortunate situations happen to good people. That's why we focus on your current ability to repay the loan, rather than your past credit history. We offer bad credit loans to those in difficult financial situations to help them get back on their feet.

How many payday loans can you have at once?

In Canada, you can only have one payday loan at a time. All reputable lenders, like iCash, must follow these regulations, as it ensures that borrowers can repay their personal loans without getting into further financial difficulty.
If you're approved for an online payday loan by a lender despite already having an existing one open, this should be concerning. The lender may be trying to take advantage of you and your financial situation.
Be sure to do your research on any lender before applying for a loan, to make sure they are reputable and are following all regulations for Canadian loans set out by the province in which they operate.

Have more questions? Check out our full FAQ.

Get your online payday loan today

iCash has helped more than 850,000 Canadians get instant loans online without hassle. Download our mobile application today!