Get Fast, Secure Payday Loans Online

When unexpected expenses hit, payday loans in Canada have the potential to provide immediate financial relief, because you can receive an instant loan online, without ever having to set foot in a bank. 

That’s where iCash comes in. We are a licensed, fully online payday loan company, serving Canadians with instant approval decisions, transparent pricing, and same-day funding through secure e-Transfer. 

Picture this: it's -30°C in Winnipeg, your car won't start, and the repair shop wants $800 to fix it, but your next payday isn’t for another week. Or maybe your furnace decided to quit on you, leaving you with an unexpected heating bill that can't wait two weeks. We get it, life doesn't pause for payday, especially in Canada, where winter emergencies and rising costs hit hard.

Whether you need emergency cash for car repairs, medical bills, or urgent home expenses, our streamlined process gets you approved and funds in your account in minutes.

iCash has helped over 1 million Canadians access quick funds when they need them most. Our cashback loyalty program and flexible repayment options* make us the trusted choice for fast payday loans.

How Payday Loans Work

Getting an online payday loan with iCash is simple and secure:

1. Apply Online: Complete our quick application in minutes. No paperwork, no bank statements, and no in-person visits required. Simply select your loan amount (up to $1,500) and provide some basic personal and financial details.

2. Instant Decision: Our automated system provides instant approval decisions 24/7, 365 days a year. Once approved, you’ll review your document and electronically sign it with our secure e-signature process.

3. Get Funds: Receive your money via e-Transfer within 2 minutes of contract signing. Funds are available around the clock, including weekends and holidays.

Eligibility & Requirements

Qualifying for instant payday loans with iCash is straightforward. You must:

• Be at least 18 years old (19 years old for applicants in British Columbia, New Brunswick, Nova Scotia)

• Be a resident of any of the provinces in which we operate (AB, ON, BC, MB, NB, NS, PEI).

• 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, in which pre-authorized debits can be performed.*

• Have a valid Canadian mobile phone number, address, and email address (VoIP numbers are not accepted) 

*Please note that KOHO accounts do not qualify as they do not support pre-authorized debits.

We accept all types of income, including employment wages, government benefits like CPP and Child Tax Credit, unemployment insurance, disability payments, ODSP, AISH, and self-employment income. Bad credit is not a barrier when you apply for a payday loan with us.

Why Choose iCash

Speed & Convenience: No commute to storefront locations or lengthy paperwork. Apply from anywhere using our website or mobile app, available on iOS and Android platforms.

Transparent & Affordable: We have a clear fee structure at $14 per $100 borrowed for instant loans, which is compliant with Canadian laws. No hidden charges or surprise costs. You’ll know precisely what you need to pay for your loan before you sign any agreement with us.

Trusted & Licensed: Fully licensed, with over 1 million satisfied customers. Rated 4.5/5 on Google, and a proud member of the Canadian Consumer Finance Association.

Exclusive Perks: Earn up to 12% cashback on borrowing costs. Returning customers enjoy faster re-loan processing, increased borrowing limits, and no additional credit verification.

Payday Loans Available Across Canada

We proudly serve major cities, including:

• Toronto 

• Calgary 

• Edmonton 

• Vancouver

• Ottawa

• And much more!

Whether you're dealing with emergency car repairs in Vancouver, unexpected medical expenses in Winnipeg, or urgent home maintenance in Halifax, same-day payday loans from iCash provide the financial bridge you need. For those receiving government assistance, learn more about specialized payday loans with government benefits options.

Ready to get started? Complete your application today!

Payday loans are high cost products. iCash loans comply with Payday Loans Act (2008), Ontario. For more information about your borrower rights, visit the Ontario borrower rights page.

Licensed in AB, BC, NB, ON, MB, NS, PEI. License numbers and addresses available upon request.