Smart payday loan alternative

Same day deposit, accommodating payment calendar

Get my loan

Payday Loan Substitutes for Canadians

Do you have a problem with cash flow? Are you contemplating a payday loan online? If so, we offer a smart payday loan substitute that can help you meet your financial obligations without the traditional restrictions of online payday loans in Canada.

Customers throughout Canada are borrowing short term loans from 24Cash, Canada’s secure online lender. Our Payday Loans Substitute allows you to get more than the amount of your next paycheck, unlike standard payday loans online. Fill out our quick and free application form and obtain a decision based on your current financial information. Start by borrowing up to $500 and increase the amount of your short term loan after each renewal.

We offer a manageable repayment timeline, giving you up to 90 to 120 days to pay back your loan. Sleep easy knowing your following paycheck won’t be entirely allocated to debt repayment, leaving you with the money you need to pay everyday bills. We also send you a payment calendar and reminders via email when a withdrawal is about to be made. Our interest rate, fee and terms are clearly stated in the contract along with the total cost of your loan. This way you know exactly what to expect. No hidden fees, no hidden costs, no gimmicks.

At 24Cash, we’ve made applying for our Payday Loan Substitute as fast and simple as possible. Fill out our online loan application form and be approved within the hour. Every step including the signature of your contract is completed electronically, no paperwork, and no need to leave the comfort of your home.

Our dedicated customer service team is available to walk you through every step. When you find yourself in a bind, 24Cash is Canada’s source of fast, and hassle-free online loans. You need more information before making a decision? Give us a quick phone call, we’ll be more than happy to help you.

Choose a secure online loan from a dependable lender instead of racking up your credit card debt.

At 24Cash, we want to give you the best experience possible. We give our customers top-of-the-line services. Our strict privacy policy ensures your information is secure, and we subject our list of lenders to a thorough pre-approbation process, so our customers only get the best loans. Whichever province you are from, 24Cash offers the top substitute to online payday loans in Canada.


How to apply ?

Loan Request

To be eligible you must:

  • Be 18 years and older.
  • Be a Canadian citizen.
  • Have a steady job, for at least three months.
  • Have low short-term debt ratio.
  • Must not be bankrupt or planning to do so.
  • Have a monthly income of $1,200 or more.
  • Have a bank account in Canada for a minimum of 3 months in order to receive direct deposits.

Benefits of a Bad Credit Loan with 24Cash

Fast and Easy Approval

Five minutes is all it takes to complete our free online application for a loan. You receive your funds within 24 business hours of your approval. No paperwork is required.

Experience Our Flexible Repayment Schedule

Our adaptable payment calendar lets you repay your loan within 90 to 120 days, depending on the amount borrowed. Scheduled withdrawals can be made weekly, bi-weekly or monthly.

Instant Cash

Sign your contract before 2:30 p.m. EST, and receive your direct deposit before the end of the day. Sign after 2:30 p.m. EST, and you’ll receive your funds within the next 24 business hours.

Who is a Payday Loan Substitute for?

  • A tenant who needs a cash advance to pay rent.
  • A homeowner who quickly needs to repair an unforeseen problem.
  • Someone whose bills are past due and are requiring payment.
  • Someone who needs a little extra cash to pay their driver’s license or auto repairs.

Borrow more, pay it back easily over time.

Get my loan now