Borrow Money with a Personal Loan up to $10,000

Borrow money for bills or unexpected payments for those closest to you. Cash Money is here to help!

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    What is a Personal Loan?

    A personal loan is any loan borrowed for personal use. It can pay for things when you're short on cash or when you have a surprise expense. Depending on the amount of funds you need and for how long, Cash Money has the right loan for you!

    Types of Personal Loans

    Payday Loans Up to $1,500

    • Get an instant lending decision

    • Pay back on your next payday

    Learn Morelearn more

    Line of Credit Up to $10,000

    • Apply once, borrow any time

    • Larger approval limit than a Payday Loan

    • Access cash advances up to your credit maximum

    Learn Morelearn more

    How it Works

    1

    Apply with Ease

    Complete your online application.

    2

    Immediate Decision
    Submit your personal and income info, and receive a quick loan decision.

    3

    Choose Your Loan Amount
    If you're approved, select the amount of money you'd like to borrow up to your limit.

    4

    Sign Paperwork
    Read and sign your online loan agreement.

    5

    Get Cash
    Choose how you'd like to receive your funds. Select direct deposit to your chequing account or Interac e-Transfer®.

    6

    Repay
    Make payments simple by setting up AutoPay. Never worry about missing a payment again. Just set it, and AutoPay won't forget it! Or you can make manual payments.

    What Do I Need to Apply?

    • cash money application check markAge 18 or older
    • cash money application check markOpen bank account
    • cash money application check markPhone number
    • cash money application check markSteady source of income
    • cash money application check markGovt. Issued Photo ID (Health Card excluded in ON, MB and NS)
    Apply Now

    Common Payday
    Loan Questions

    When you apply for a loan, we ask that you provide proof of income. The following are acceptable forms of verification:

    • Pay stub

    • Letter from employer

    • Pay stub Letter from employer Connect your online bank account using Connectivity by Flinks®

    How you sign depends on how you applied for your loan.

    • Applied online: Review and sign your loan documents online.

    • Applied by phone: Electronically sign your loan documents through our website.

    • Applied in-store: Sign your loan documents at a Cash Money store.

    How you paid off your previous loan makes a difference.

    • When you pay off your loan in cash at a Cash Money store or online with Interac e-Transfer®, you may apply for another loan right away.

    • When you pay off your loan through an automatic transfer from your bank account, we’ll just need to verify the cleared transaction before you reapply.

    • For any questions, call Customer Service at: 1-877-526-6639

    Find out more about cash advances.

    Take a deeper dive in our FAQs page.

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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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