PAYDAY LOANS

Borrow up to $1,500 until your next payday.
Fast payday loans in-store and online.

PAYDAY LOAN APPLICATION

What do I need?
  • Be of legal age
  • Provide proof of income
  • Have an active bank account
  • Piece of Provincial ID (driver’s license)
How much can I borrow?

You can borrow up to $1,500 with a payday loan. If you need more money, check out our term loans up to $5,000!

How do I get my cash?

We’ll send your cash via Electronic Money Transfer within an hour, and *mail you a YesCard immediately. What’s a YesCard?

PDLInstant payday loans can help you resolve a temporary cash shortage.

Cashco Financial makes payday loans easy by providing instant cash on fast loans whenever you walk into one of our branches. We always offer friendly service with a smile and are happy to provide you with some quick cash so you can get back to your life. Cashco Financial is also a leader in all types of online loans including online payday loans. Our online payday loan associates work to get you approved fast and get quick cash in your hands or loaded onto your debit card.

We serve Toronto, Vancouver, Saskatoon, Regina, Calgary, Edmonton and many other Canadian cities. At Cashco Financial, we always strive to be responsible lenders so please consult our collection of online articles in our blog where you will find tips and tricks for your personal finances. Payday loans are a short term answer to a short term financial problem. If you are having financial difficulties that are persistent over a long period of time, a payday loan is not the best solution for you. Feel free to explore some of the other loans and services provided by Cashco Financial, including our Flex Term Loans, or perhaps even seek a debt consolidation service.

GET FAST FUNDING WITH THE CASHCO YESCARD
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Instead of keeping you waiting for your money, we put your online payday loan on a pre-paid Visa Debit Card so you get your cash right away. The card is free, plus you can reuse it every time you get a loan. Having a YesCard is like always having cash in your pocket!

How Does it Work?

Is this your first loan?

We’ll mail you a YesCard immediately and send your cash via Electronic Money Transfer.

Had a loan before?

Awesome! We already sent you a YesCard, so you’re good to go!

Can't find your YesCard?

No problem. We’ll send you a new one at no charge. And for this time, we’ll still deposit the cash directly into your account within 2-3 days.

Where can my YesCard be used?

Anywhere credit cards are accepted. It’s just that simple!

Payday Loan FAQs

What is a payday loan?


A payday loan is a temporary advance of money to help you meet your short term financial needs. Typically, the loan is repaid on your next pay day. Payments are usually withdrawn from your bank account by electronic debit. Be advised that payday loans should not be used as a long term financial solution.

Why do people get a payday loan?


Millions of Canadians with steady incomes find that payday loans are the perfect solution to their short term financial needs. Sometimes consumers find themselves short on cash and cannot wait until their next pay day. A payday loan provides quick access to the money they need.

How do I qualify for a payday loan?


In order to apply, you need the following:

  • You must be 18 years or older (19+ in British Columbia)
  • Valid chequing account
  • Valid email address
  • Proof of income
  • Active phone number
  • Valid government-issued photo ID
Can I borrow online?


Yes, it’s easy. You can apply for any of our loan products online. Get started here.

How much can I borrow?


You can borrow up to 50% of your net monthly income or up to $1,500.

How do I get the funds?


Funds are either loaded onto your YesCard (prepaid VISA card), electronically deposited into your bank account or a cheque can be issued in store.

How long does it take to get my loan approved?


When applying in a store, loans are generally approved within 10-15 minutes.
Online loan applications approval may take up to 24 hours.

How is the payment due date determined?


Your payment is scheduled to be due on your next pay date following the date of the loan.

How do I make payments on my payday loan?


There are 3 easy ways to pay:

  • You can pay in the store
  • You can authorize us to debit your account
  • You can set a Western Union Quick Collect payment
Can I refinance or rollover my loan?


No. A payday loan is meant for short term borrowing needs only. As such, we require your loan to be paid-off in full on the due date. You may not use the proceeds of another loan to do so.

How much do I have to repay?


You will need to repay the full principal and fees on your next payday. When your scheduled payment is due, it is repaid by a pre-authorized debit from your chequing account. We will notify you of any failed payment.

What happens if I can’t make a payment?


We understand that people’s circumstances can change. If this is the case, you must let us know as soon as possible and we will do our best to help. Please be aware that unless payment is received, we will consider all options permitted by applicable law to pursue collection of the debt. If you are having problems making a payment please contact your store or online associate, and we can discuss your payment options.

What if my payday or bank account details have changed?


If your payday has changed, or you have a different bank account, please contact your store or online associate.

What is your privacy policy?


Your privacy is important to us. Click here for our Privacy Policy.

Is there a limit to how many payday loans I can receive?


Yes. While there are no limits on the number of loans allowed, you cannot have more than one loan at any time.

After I pay off my loan, can I apply for another loan?


Yes. However, you must wait until your previous payment clears your bank account.

Loan Protection

Our Loan Protection Plan covers you in the event you are unable to pay back your loan for the following reasons:

  • Accident/Sickness
  • Involuntary Unemployment
  • Critical Illness
  • Death
payday loans
$ 0

Worth of claims will be made in 2015

Earn Cash for Referrals

Word of mouth is our best form of advertising, which is why we will pay you $20 for each successful first-time loan referral that you make. Come into a Cash Canada location and pick up some referral cards. Here’s how it works:

  1. Fill out the referral card with your information.
  2. Give the card to a friend or family member and have them bring it to the store when they get a loan.
  3. For every successful loan, we will load your YesCard with a free $20.
  4. This offer is unlimited, go out and earn as much as you’d like.

Why Should I Get a Payday Loan?

A payday loan is a fast and easy solution to a short term cash crisis.

Millions of working Canadians live form payday to payday and don’t have a lot of spare cash or savings to count on when the need arises. A payday loan comes in handy when faced with a sudden unexpected expense such as an expensive car repair or other emergency situation. The key to making payday loans work for you is to use them only as an occasional short term solution and never borrow more than you need.

Here’s What Our Clients Have to Say!

If you have feedback for us we want to hear that too!

  • Instant cash is great to get when you need it so I’m glad that Cashco gives cash right at the store now.

    Nathan P.
  • Fast cash loans from Cashco Financial helped me out of a real jam last winter.

    Brenda K.
  • I am always able to get instant payday loans easily online with Cashco whenever I need one.

    Jimmy G
  • It was great, the associate was so helpful. The experience was stress-free.

    Judith C.
  • I can’t believe that a company would care so much about someone like me. I will be letting my friends know. Thank you Dawn!

    Randall D.
  • Thanks for the awesome experience. Shauna really helped me out.

    Daniel M.

Looking for Another Type of Loan?

We specialize in a variety of alternative loan products!

  • Term Loan

    Loans up to $5,000, Terms up to 3 years.

  • Auto Loan

    Lots of loan options for all kinds of credit situations.

  • Settlement Loan

    We lend on accident settlements, inheritance claims, slip and fall suits and more.

  • Pawn Loan

    If you've got stuff, you've got cash!