How much would you like to borrow?


How many repayments?

Where do you live?

Lender licences
Get my loan

What is iCASH?

iCASH is a safe short-term loan direct lender that makes it easy for Canadians to borrow money online in minutes. It is fast, easy, and secure.

iCASH: A New Type of Online Lender

In the modern age, we're all used to handling our finances, making purchases, and living our lives online. Until recently, all this progress hadn't transferred over to lending. Getting a short-term loan was dominated by big banks and financial institutions. The process was time-consuming and very outdated.

That's all changed with iCASH, the best online loan lender. We provide fast, easy, immediate same-day loans that can be obtained in an hour or less.

Here are the services that we provide so that you can better understand what is iCASH,

  • • Safe instant loans online.
  • • Loan up to $1,500 with instant approval.
  • Fast e-transfer in 5 minutes‎‎
  • • Quick and easy online application.
  • • No documentation required.
  • • Everything is done online, which means you don't have to visit a loan store.
  • • Get approved for a loan 365 days a year, 24 / 7.

The quick loan application takes only 5 to 10 minutes to complete. Once you're approved, the funding process is fast. In short, it's lending that's designed for the way people live life in the modern, digital age.

We go a step further and provide you with an option to repay your loan in 1 or multiple payments* with no additional interests and no added fees. You'll have easy, manageable repayments and be able to pay back your small loan online.

Does iCASH do a credit check?

At iCASH, we perform a credit check as part of our loan application and approval process. Having bad credit shouldn't stop you from applying for an instant loan with us. When we approve a loan, we look at multiple data points, of which your credit score is only one.

Since we don't rely on a credit check to make a loan approval decision, most people find they can be approved for a loan, even if other lenders have declined them.

Is legit?

iCASH is a legitimate Canadian lender that provides quick loans online to Canadians in Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia and Prince Edward Island.

We’re fully licensed to offer short-term loans in all the provinces we operate in. We offer our clients high-quality services that are quick, reliable, accessible, and affordable.

Canadians who apply for a loan with iCASH can have the confidence that we are legitimate and reliable. There are no hidden fees, and all the loan details are explained in clear, easy-to-understand terms.

Is iCASH safe?

When you apply for an instant loan with us, your personal and financial information is safe. We implemented the same 256-bit encryption technology that banks use to make sure that your data is always secure.

At iCASH, we're making sure that everyone in Canada has access to safe, smart, and simple lending solutions.

How to Contact iCASH?

If you like to learn more about us or speak with someone to ask "What is iCASH" you can contact us by phone or via the contact iCASH page on our website.

Our Customer Experience Agents are available seven days a week to answer any questions that may come up during or after you took your loan.

iCASH Loans Are Available 24/7/365

One of the things that sets iCASH apart is that our instant cash loans are available online, day or night, 24/7/365. All you need to apply is a computer, tablet, or smartphone and an internet connection.

If you qualify for a loan, your odds of being approved are greater than 90%. That means customers can get the money they need, when they need it, on their schedule. iCASH allows you to get the funds you need fast.


If you're looking to find more information about our services, you can visit our FAQ page to find the answers related to your loan application.

What is the iCASH Instant Approval Process?

The secret to instant approval is our software. It reviews your loan application and does a credit check. This allows us to approve your loan instantly.

As soon as your application gets approved, you'll sign a loan agreement and return it to us. We'll then send the money to you within 2 minutes via e-Transfer.

How do I pay my iCASH loan?

We make it easy to pay back your iCASH loan.

  • iCASH will automatically debit the repayment amount from your bank account on the due date specified in your loan agreement.
  • Just be sure to have enough money in your account before the due date to avoid unwanted fees.
  • We allow our customers to repay by e-Transfer once they have taken out a second loan with us.

Does iCASH report to credit bureau?

If you fail to repay your loan, iCASH will send a report to the credit bureaus, which will reduce your credit score.
Furthermore, if you do not repay your loan on your payment due date(s), your loan will be considered delinquent.

Where can I get the iCASH app?

You can find more information on the iCASH app on our website, along with links to the Apple App Store and Android Play.

*Due to government regulations, loans in Ontario and Nova Scotia can only be approved for 1 repayment

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!*

Smart Phone

Get up to $1,500!

Try our mobile application!

Sign up with our free mobile loan app and access your account anywhere, 24/7.

4.6 / 5 STARS
2759 Rating
4.8 / 5 STARS
5.4K Rating

How to get a loan with iCASH?


Borrow Money Online

To start, apply for an iCASH loan online. It takes only 5 to 10 minutes for most people to complete the loan application form.


Instant Decision

As soon as you submit your complete loan application, you’ll get instant approval. We use advanced algorithms to provide an automated decision, 24/7.


Get Fund

Upon being approved, sign your loan agreement and return it back to iCASH. We will then send you the funds within 5 minutes via e-transfer.

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.
+ 200 000
members since 2014
of approved applications
4.9out of5
customers would recommend us to their friends

Customer Rating
iCASH logo Traditional Payday Lenders Lenders with brokerage fee
Flexible repayment plans*          
Offers cashback program for more savings*          
Free membership benefits          
No hidden charges     
E-transfer in the next 5 minutes          
Get a loan now

What is iCASH? The Best Online Loan Lender

Same Day Loans, Fast and Easy

Same day loans are fast and easy with iCASH. The loan application, approval, and funding process are built for speed and convenience. From start to finish, most consumers can get funded in 30 to 60 minutes.

iCASH provides Bad Credit Loans

iCASH provides bad credit loans for up to $1,500. When you apply for a loan on our website or via the mobile loan app, we look at more than your credit score.

Our primary concern is not to put you in more debt. We will calculate your ability to pay back the loan based on your current income.

We approve 9 out of 10 Canadians who apply for bad credit loans.

Flexible Instant Payday Loans

When you get an instant loans from iCASH, you can choose how you like to repay your loan.

    • You can repay your cash advance loan in a single lump sum repayment.
    • With the Flexpay option*, you can repay your loan in 2 or 3 equal payments, depending on your province regulations.

Whatever option you choose, the interest rate will always remain the same.

Competitive Interest Rates

Interest rates on our short-term loans are some of the lowest available in Canada.

As an online lender, we keep our overhead expenses low and pass the savings to our customers.

Find out what our customers think about iCASH!

"Lindsay from Alberta"
"Ryan from Alberta"
"Shaysta from Ontario"
"Terry from Ontario"
"Candace from Nova Scotia"
"Pertige from BC"
"Sami from Ontario"
"Teri from New Brunswick"
"John from New Brunswick"
"Erika from Alberta"
"Stephen from Alberta"
"Chelsea from Ontario"
"Scott from Alberta"
"Lynda from Ottawa"
"Kenton from Alberta"
"Catalina from BC"
"Chris from Alberta"
"Jasmine from BC"
"Christa from Alberta"
"Melissa from Ontario"
"Heather from Alberta"
Read our customers stories

How can I get a cash loan online?

Getting a cash loan online is easy. The entire loan process is automated.

  1. Go to the iCASH website or download the iCASH loan app.
  2. Apply for a cash loan online. We approve 9/10 Canadian customers, even those with bad credit history.
  3. Get instant approval
  4. Sign your loan documents electronically
  5. We will initiate an e-transfer payment and send the funds to you within 5 minutes.

How much money can I borrow from iCASH?

You can borrow anywhere from $100 to $1,500 from iCASH. You can repay your loan 1 or multiple installments*. The total amount of money that you are approved for is based on our automated decision-making algorithms.

What is the best online loan?

For the best online loans in Canada, choose iCASH. We offer loans that are flexible, available 24/7/365, quick and instant. There are no documentation requirements, no office visits and no waiting.

Interest rates on our online loans are also quite affordable, costing less than many other credit solutions. Pair it with an easy to use loan application, automated repayment and outstanding Canadian based customer service.

Can I get a 1500 loan with bad credit?

You can get a $1,500 loan with bad credit from iCASH. There are no minimum credit score requirements and you do not need to any collateral to take a bad credit loan. This means you can quickly get the money you need regardless of your credit score.

Make sure that you meet the minimum eligibility requirements and complete the application process. Obviously, a higher credit score can help to increase your chances of being approved. As long as you meet the minimum eligibility requirements, you have a 90% chance or better of being approved for a loan at iCASH.

Our instant approval software looks at your application to come to an approval decision and does not over rely on a credit check the way traditional lenders do.

The main consideration is whether or not you have sufficient income to repay the loan amount you are requesting. If you do, then you are more than likely to be approved for a loan for people with bad credit.