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Attention Line of Credit Customers: Due to a potential Canada Post strike, your statement may be delayed. If you have any questions, please contact your local store or call Customer Service at (877) 526-6639.
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opt+ prepaid Mastercard®

Prepaid Mastercard®

Cash Money is the exclusive provider of the opt+ prepaid Mastercard®. For a monthly fee, you can secure your money and spend anywhere Mastercard® is accepted. Load money at your local Cash Money store.

Purchase your opt+ prepaid card at a Cash Money store today, and manage your money without worrying about credit checks or endless fees.

Enjoy the Benefits of the opt+ Prepaid Mastercard®

Free purchase transactions

Free loads and unloads at Cash Money locations

One low monthly fee of $7.00

Manage your account with the opt+ mobile app (available for Apple and Android devices)

Free Customer service alerts

Use anywhere Mastercard® is accepted

Learn more about the Opt+ Card

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Canadian Consumer Finance Association

Follow the Canadian Consumer Finance Association to stay up-to-date on regulations and how they will affect your access to short-term credit.

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Phone: (877) 526-6639

Email: CustomerService@CashMoney.ca

Mon-Fri: 8:00am to 11:00pm (ET)

Sat-Sun: 9:00am to 5:00pm (ET)

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Loan availability and loan amounts vary by location.

Payday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements. Promotional rates not available in Alberta, Manitoba, New Brunswick or Saskatchewan. British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 15% of the principal. We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total payback amount of $345 and an APR of 391.07%. $300 for $20 promotional rate - Under this offer, on a $300 loan for 14 days, the cost of borrowing is $20, with a total payback amount of $320 and an APR of 173.81%. Regular fees apply on subsequent loans and the cost of borrowing at Cash Money in British Columbia is $15 per $100 borrowed. BC Licence #50066. Manitoba Residents: In Manitoba, the maximum allowable charge for a payday loan is 17% of the principal amount of the loan. We charge $17 per each $100 loaned. On a $300 loan for 12 days, the cost of borrowing is $51, the total that must be prepaid is $351 and an APR of 517.08%. To learn more about your rights as a payday loan borrower, contact the Consumers' Protection Office at 945-3800, (800) 782-0067 or at http://www.gov.mb.ca/cca/cpo/. Nova Scotia Residents: The cost of borrowing is $22.00 per $100 on a $300 loan for 14 days (573.57% APR). $300 for $20 promotional rate - Under this offer, the cost of borrowing is $6.67 per $100 on a $300 loan for 14 days (173.81% APR). Ontario Residents: The maximum allowable cost of borrowing per $100 borrowed in Ontario is $15. Our cost per $100 borrowed is $15. On a $500 loan for 14 days, the cost of borrowing is $75, with a total repayment amount of $575 and an APR of 394.07%. $300 for $20 promotional rate - Under this offer, on a $500 loan for 14 days, the cost of borrowing per $100 would be $6.67 on the first $300 borrowed, and then $15 per $100 on the additional $200 borrowed, with a total cost of borrowing of $50, and an APR of 260.71%. Saskatchewan Residents: The maximum allowable cost of borrowing under payday loan agreements in Saskatchewan is $17 per $100 borrowed. We charge $17 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $51, with a total payback amount of $351 and an APR of 443.21%.

Online Installment Loans/Lines of Credit: Loan minimum of $500 to a maximum of $10,000, based on a completed application, net pay and other qualification requirements, and customer verification including a credit check. Installment loan terms are from 6 months to 60 months and are based on the amount lent. Store Installment Loans/Lines of Credit: Loan minimum of $100 to a maximum of $10,000, based on a completed application, net pay and other qualification requirements, and customer verification including a credit check. Installment loan terms are from 6 months to 60 months and are based on the amount lent. Payments are due on scheduled income deposits. Cash Money offers short term personal loans and is not a credit repair service. Annual Interest Rate 46.93%

Lending decisions and funding times subject to system limitations. Opt+ instant funding is only available for existing Opt+ cardholders (sold separately), and is not available to payday loan borrowers in British Columbia.

Loan Protection: Must be 18 years of age or older, and under 70 years of age to be eligible. Policy sold and administered by Premium Services Group Inc. Underwritten by Canadian Premier Life Insurance Company.

Western Union® and the Western Union® logo are registered trademarks of Western Union® Holdings, Inc.

Opt+: This card is issued by PACE Savings and Credit Union Limited pursuant to license by Mastercard International. Use of this card is governed by the agreement under which it is issued. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Free load and unloads at Cash Money locations only.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.