How can you get an online cash loan with

Have a question about online instant approval loans? We have the answers.

What are the eligibility requirements?

  • 18 years or older
  • Canadian citizen
  • Have a steady job – at least 3 months
  • Low short-term debt ratio
  • Must not be under an undischarged bankruptcy or plan to do so
  • Monthly income of at least $1,200
  • Have a Canadian bank account for direct deposits for at least 3 months.

What is a paperless request?

Our online approval loan service does not require any paper documents. We also offer an e-signature for your contract. All we get to see is your bank account information in order to give you your loan. It’s paperless and fast.

What is an instant verification?

I don’t know about this service. What is it?

Through the instant verification service, we are able to get the information that allows us to quickly make a decision about your loan request. We will then be able to validate your identity and obtain a copy of your bank statement from the last 90 days. This eliminates the long and complex paper delivery process. It is the safest and fastest way to get your online loan. Our mission is to provide you with a discrete service and a quick answer.

Can you see my password information?

No. Your username and password are not visible to us. They are only sent to your bank. If your identification information is accurate, we will receive a copy of your bank statement which will allow us to evaluate your loan request.

How can I make sure this is not a scam to get my personal information?

Our system was specifically created to simplify the loan request process. This system works according to the highest safety standards, the very ones used by banking institutions.

What will you do with my information?

Your information will be transferred directly to your bank in order to identify you. We will receive a copy of your bank statement from the last 90 days. Your identification information will not be displayed or stocked.

I prefer to use the traditional delivery process.

You can send us your documents by email or fax. However, the instant verification is much faster, more confidential and allows us to evaluate your request in only a few minutes. Still worried? Please call our agents, they will be happy to answer your questions.

In which case could my application be refused?

  • Unstable employment
  • Undischarged bankruptcy
  • Incorrect information provided online
  • Numerous insufficient funds or other charges in your account
  • Bad liquidity ratio

*This list is non-exhaustive and your loan request could be refused by our evaluation department for other various reasons.

What is your interest rate?

Lending companies partnering with us offer an approximate annual interest rate of 22%. You will also be charged a broker fee.

What is the loan cancellation deadline?

We must receive the borrowed money within 48 business hours, either by preauthorized debits or by Interac transfer. Your loan will be cancelled once we receive the entire payment.

Which provinces are eligible?

All Canadian provinces are accepted except Manitoba, Quebec and Saskatchewan.

What happens if I miss a payment?

Our collection agents will contact you to make payment arrangements and settle the situation.

What is the maximum amount I can borrow?

The first loan is a maximum of $500. Your first renewal must not top $600, the second renewal cannot be over $750 and the third and fourth are $850 max.

When will I get my loan?

If your request is accepted before 2:30 p.m. EST, the funds will be deposited in your account by the end of the day. If your request is accepted after 2:30 p.m. EST, you must wait up to 24 business hours.

How can I make a request?

You can apply online or by phone at 1-866-646-4769. An agent will fill out the request with you.

How do I proceed if I switched to another bank?

Send us a void cheque and an agent will modify your information so that your next payments will be withdrawn from your new account.

What are the penalties for insufficient funds?

In case of insufficient funds, you will be charged a $40 fee. You can delay a payment by paying an administrative fee of $25.

How can I sign my contract?

You only need to send us an electronic signature. There are no paper documents required.

What is the difference between a payday loan and an online cash loan with

When you request a payday loan, you have to repay the full amount of your loan plus the interests on your next payday. With 24cash, repay within 3 months, in 3, 6 or 12 payments, depending on the frequency of your paydays.

Get a quick $500 cash loan to repay in 3 months. No credit investigation.

Apply for a loan