What is an Online Payday Loan?

Canada, when you need quick money for small cash emergencies, our loans may help. Conveniently apply for your loan on your computer or mobile device. Get an online Payday Loan instant approval decision so you can get back to your life. Then, repay your borrowed funds and a flat fee on your next payday.

Quick application with fast lending decision

Could receive your loan in as little as 15 minutes with Interac e-Transfer®

Sorry, we don't offer loans in Alberta.

How to Apply for Payday Loans Online

Complete an online Payday Loan application and receive a swift lending decision. It’s simple, fast, and safe!

Apply 100% Online

We've taken the hassle out of applying for a loan. Just provide your personal and income info, and apply in minutes.

Get a Fast Decision

Once your online application is submitted, you'll receive a fast lending decision. That's 24 hours a day, 7 days a week!

Receive Your Money

If approved, sign your loan documents and select how you want to get your money. Our funding options include direct deposit or Interac e-Transfer®.

This is your Online Payday Loan, Canada

Cash Money has had the joy of looking out for you since 1992. Thank you! We know cash difficulties are stressful. And you don't want to waste any time when you need money now. That's why we offer a variety of options to get loan funds to you. When traditional banks aren't the answer, we're proud to be able to provide services to you.

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They came through when I needed it. Very friendly and professional. All the scam alerts in place made me feel safe sharing my info. Good work .

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I loved how fast and easy it was and…

I loved how fast and easy it was and great customer service

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Common Online Payday Loan Questions

The short and exuberant answer is, YES! Cash Money makes it easy to apply for your Payday Loan online. Within minutes, you could complete and submit your loan application. And get a lending decision immediately.

We ask for a few, but very important, items to apply for a loan. We need a valid ID, an open chequing account, income info, a working phone number, and a current email address.

Cash Money needs to verify your application before we can present you with a loan offer. Luckily, our online application takes just minutes to complete. After you submit your application, we’ll send you a quick lending decision. If you’re approved, you could receive your loan in as little as 15 minutes when you choose Interac e-Transfer ®.

Unfortunately, Cash Money requires an active chequing account to apply for a loan.

To apply for a Cash Money loan online, you must be a Canadian resident and age 18 or older. Please have the following information:

  1. A valid ID

  2. An open bank account in your name (you will need to provide your branch transit number, financial institution number, and your bank account number)

  3. Proof of recurring income (you will need to provide your net income, pay cycle frequency, hire date, and employer name and phone number, if applicable)

  4. Phone number

  5. Email address

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Loan availability and loan amounts vary by location.

Lending decisions and funding times are subject to system limitations.

§Applying to view the value you are pre-approved for will only result in a soft credit check which will not affect your credit score. However, if you decide to accept a Line of Credit, then a hard inquiry will occur which may have an impact.

15-minute funding available only when using Interac e-Transfer® (up to $10,000). Payments and funding via Interac e-Transfer are subject to bank processing times, bank participation, and system limitations, including daily send limits. Interac e-Transfer is a registered trade-mark, and the Interac logo is a trade-mark of Interac Corp. Used under licence.

Lines of Credit: Loan maximum of $10,000, based on a completed application, net pay, and other qualification requirements, and customer verification including a credit check. Payments are due on scheduled income deposits. Cash Money offers personal loans and is not a credit repair service. APR/Annual Interest Rate: 34.99%. BC Licence #83707. NL License #25-24-CA291-1

†Cash Money reports Auto Equity Loan payment history to Equifax® Canada credit bureau so it can help build your credit if used responsibly. Building credit is accomplished by paying all your bills on time every month. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and may impact your ability to build credit.

‡Loan Protection: Must be 18 years of age or older, and under 70 years of age to be eligible. The optional Loan Protection Plan is a Group Policy underwritten by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company, operating under the brand name Securian Canada. See Summary of Coverage and Certificate of Insurance for full coverage details including benefits and exclusions.

Payday Loans are high-cost loans. Loan amounts are subject to net pay and other qualification requirements.

British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 14% of the principal. We charge $14 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $42, with a total payback amount of $342 and an APR of 365.00%. BC License #50066.

Manitoba Residents: The maximum allowable charge for a payday loan is 14% of the principal amount of the loan. We charge $14 per each $100 loaned. Sample loan on a $300 loan for 12 days, the cost of borrowing is $42, the total that must be repaid is $342 and an APR of 425.83%.

To learn more about your rights as a payday loan borrower, contact the the Consumer Protection Office at 1-204-945-3800, 1-800-782-0067 or at https://www.gov.mb.ca/cp/cpo/.

Newfoundland Residents: The maximum allowable cost of borrowing under payday loan agreements in Newfoundland and Labrador is $14 per $100 borrowed. We charge $14 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $42, with a total payback amount of $342 and an APR of 365.00%. License #21-23-CA291-1.

Ontario Residents: The maximum allowable cost of borrowing per $100 borrowed in Ontario is $14. We charge $14 per $100 borrowed. On a $500 loan for 14 days, the cost of borrowing is $70, with a total repayment amount of $570 and an APR of 365.00%.

Saskatchewan Residents: The maximum allowable cost of borrowing under payday loan agreements in Saskatchewan is $14 per $100 borrowed. We charge $14 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $42, with a total payback amount of $342 and an APR of 365.00%.

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