Instant Payday Loans

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    What Is an Instant Payday Loan?

    An instant Payday Loan can help bridge the gap when you're short on cash. From financial hardships to surprise expenses, we're here for you. Our hassle-free application and instant pay options allow you to quickly borrow a small amount of money for a short period of time. Just pay back your loan plus a flat fee on your next payday.

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    Apply for a $100 - $1,500 loan

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    100% online application

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    You could receive your loan in as little as 15 minutes

    What Sets Cash Money Apart

    Since 1992, Cash Money has proudly offered Payday Loans to Canadians. When instant money is what you need, we provide it! We continue to evolve our services to offer multiple ways to lend you funds when life throws you surprises. And we strive to offer you safe access to credit options. We're happy to offer our secure services when conventional banking isn't a choice. Find out for yourself why so many Canadians choose Cash Money.

    Instant Payday Loan Features

    An instant Payday Loan offers convenience with a quick lending decision to get you funds fast!

    Interac e-Transfer funding option

    Receive your loan in as little as 15 minutes

    When you choose Interac e-Transfer®, you could receive your loan in as little as 15 minutes.

    direct deposit

    Fast funding up to $1,500

    We can direct deposit funds to your bank account. Availability of funds depends on your bank’s rules and limitations.

    cash at store pickup

    Get cash at a branch

    If you apply in a cash-participating branch, you can get your cash right away. Check which branches carry cash with our Store Locator.

    Payday Loan stores

    Get approved in 10 minutes or less

    With Express Approval, you could get cash in 10 minutes or less – even on your first Payday Loan! We’ll work with you to verify your income and bank info online. No paperwork, no hassle.

    Eligibility Criteria

    To apply for a loan, you must be age 18 or older and have a working phone number.

    1

    Valid ID

    2

    Steady source of income

    3

    Open bank account

    Canada, let us help you with your Payday Loan needs

    We’re here to offer fast funding loan options when you need them most. Whether your financial needs are for repairs, upgraded technology, or urgent bills, we’ll have your back quickly and securely.

    Common Instant Payday
    Loan Questions

    If approved and you choose Interac e-Transfer®, you could receive your loan in as little as 15 minutes. Or in-store, you could receive cash in minutes.
    Absolutely! Customer info confidentiality is at the top of our priorities. We provide a secure online platform to keep your info safe.
    Cash Money does not solely focus on credit scores when deciding loan approval. Credit is just one category we look at. We're honored to give instant Payday Loans to Customers from lots of different credit score backgrounds. Apply now to see how we could help you!
    Repayment methods depend on the info you provided in your application. They may include AutoPay, in-store payments, or Interac e-Transfer®. Feel free to contact us with specific questions.
    Interac e-Transfer® may sound familiar to you! We use it to deposit loan money safely and quickly into your bank account. Now, you can make payments with the same speed and security. It’s easy to set up, highly secure to keep your information safe, and payment processing is completed in just a few minutes.

    Is an Instant Payday Loan right for you?

    Take a look at our specific Payday Loans page or FAQs page for more information.

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    • Loan availability and loan amounts vary by location. Cash-based services such as money orders, money transfers, the ability to pick up cash or make a payment with cash at the branch vary by location. Visit the store finder page at www.cashmoney.ca/find-a-store for each branch’s list of services.
    Lending decisions and funding times are subject to system limitations.
    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, as well as 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 46.93%. BC Licence #83707.
    Auto Equity Loan: Loan maximum of $10,000. APR 34.99% - 46.93%, based on a completed application, net pay, and other qualification requirements, as well as customer verification, including a credit check. Security search and lien fee is $50. Payments are due on scheduled income deposits. Cash Money offers personal loans and is not a credit repair service.
    †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 Credit Group Insurance Plan Underwritten by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company.
    Payday Loans are high-cost loans. Loan amounts are subject to net pay and other qualification requirements. Promotional rates not available in Alberta, Manitoba, or New Brunswick.
    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%. BC License #50066.
    Manitoba Residents: The maximum allowable charge for a payday loan is 17% of the principal amount of the loan. We charge $17 per each $100 loaned. Sample loan on a $300 loan for 12 days, the cost of borrowing is $51, the total that must be repaid is $351, and the APR is 517.08%. To learn more about your rights as a payday loan borrower, contact the Consumer Protection Office at 1-204-945-3800, 1-800-782-0067 or visit 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.
    Nova Scotia Residents: The cost of borrowing is $15.00 per $100 on a $300 loan for 14 days (391.07% APR).
    Ontario Residents: The maximum allowable cost of borrowing per $100 borrowed in Ontario is $15. We charge $15 per $100 borrowed. On a $500 loan for 14 days, the cost of borrowing is $75, with a total repayment amount of $575 and an APR of 391.07%.
    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%.
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