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The perfect solution for your entire getaway shopping requirements

Xmas is considered the most wonderful period of the 12 months! However it is additionally probably the most economically stressful, particularly if you are brief on funds. At iCASH, we think that all Canadians, irrespective of bad credit, need to have usage of some cash that is quick to guarantee the merriest of Christmases for several.

How do our loan solutions work? Our Holiday loan requests are finished entirely online in under ten minutes, without leaving anywhere. In accordance with our 256bit encrypted technology, you’ll be confident that your particular private information is going to be held safe. iCASH is an authorized lender that is direct implies that your private information won’t ever be provided or offered with any alternative party and will also be utilized entirely to be used within our loan choices.

With your quick and simple xmas application for the loan process, you obtain your loan approval in mins then get your getaway funds via e-transfer a quick five minutes after signing your agreement! Absolutely absolutely absolutely Nothing could possibly be faster or higher convenient during this severely busy shopping season!

Our unique getaway Flexpay loans can be an affordable solution to obtain the funds you’ll need, fast. With this particular kind of loan, you are able to distribute your instalment repayments out over up to 3 pay durations. Shop now, spend later! And all sorts of for similar low-value interest being a payday loan! Christmas time shopping and getaway funds simply got a lot that is whole, compliment of iCASH!

No Wait

Finish the protected online loan application in mins. No papers are expected. Stay instantly approved and receive an e-transfer within 5 minutes immediately after electronically signing your agreement. Also on week-end and vacations!

No Documents

Apply from the absolute comfort of your property – no more faxing papers or waiting lined up. The minute online payday loan procedure is convenient and flexible.

Get Authorized

Just fill a straightforward application that is online you may be immediately authorized for the money. Have the repayment routine that meets your requirements with 1, two or three installments.

Grace Period

We shall put in a 5 times grace duration before beginning to settle your loan on your own next payday. What this means is you’ll have a supplementary 5 times to pay for us straight straight back without any fee that is extra.

100% Compliant

As certified lenders, we have been completely compliant with provincial legal guidelines, and our clear financing procedure means no concealed charges with no shocks.

You are always in complete control of how much money you will owe and there are no surprises nor hidden fees when you take a cash advance loan or Flexpay loan with iCASH. Before signing your loan contract, we are going to offer you a dysfunction of the many expenses involved with your loan which means you will be able to make an decision that is informed.

Getting The Cash

You’ll find nothing easier than having your cash. After electronically signing your agreement, you shall get your funds by e-transfer within the next five full minutes. We deliver e-transfers seven days a week, around the clock. At iCASH, you want to relieve our consumers’ lives that you have more important things to care about since we know. Consequently our services are quick, hassle-free and convenient.

Handling Your Loan

Could I make repayments early?

Yes, you are able to repay early, and you are encouraged by us to get it done if you’re able to! There are no costs for very very early repayments. Repaying early is just a choice that is great:

  • There aren’t any fees that are extra
  • It is possible to enhance your trust score with iCASH

May I increase my loan amount when I have my money?

As accountable loan providers, we just allow our customers sign up for one loan at any given time. That is why it is important whenever you make an application for that loan to think about your money and also to select the loan quantity and payment choices which can be best for your needs.

Repaying Your Loan

What the results are to my payment date ?

To make the payment procedure as straightforward possible for you personally, we shall immediately debit your money from the deadline for the quantities specified when you look at the contract. In your payment date, please make certain you are able to afford obtainable in your money for the re re payment to prevent any extra charges.

Repayment Plans

We’ve two payment plans you can easily pick from to find the one that suits you well.

  • Advance loan: make a payment between 7-62 days once you are authorized
  • Flexpay: make 2 or 3 repayments between 7-62 times after you are authorized

Perform Borrowing

Trust Rating System

You can apply for up to $750 when you apply for your first cash advance loan or Flexpay loan with iCASH. You will gradually be eligible to borrow up to $1,500 if you pay back your first loan on time and according to the terms and conditions of your loan.

a payday loan or Flexpay loan is recognized as a short-term loan and it is maybe perhaps perhaps not meant for regular usage. If another situation arises and also you do need certainly to borrow cash from us once more, the mortgage application procedure may be faster compared to the time that is first. Since most of your information are conserved in your iCASH account, you can just sign in, verify the information that is existing thereby applying. It really is that facile!

Included in our dedication to accountable financing, we might at time make corrections to make sure that each unsecured loan we give is within the interest that is best of our consumer’s monetary wellness. We give consideration to each application we get on a person foundation, therefore repeat borrowers aren’t fully guaranteed approval since they have actually lent from us before.

Later Costs

You’ll avoid any non-sufficient investment charges by simply making re re payments on time and making sure cash is readily available for pre-authorized debits in your bank account in the repayment dates. NSF charges are broken down as follows, dependent on each one of the following Canadian provinces: British Columbia, Alberta, brand New Brunswick, Saskatchewan, Ontario, Nova Scotia, Manitoba and Prince Edward Island.


iCASH’s financing procedure is completely transparent in order to obviously realize your payment obligations. Based on your earnings duration this day-to-day cost may alter. Your total add up to be repaid could be the loan amount as well as the interest charge, no extra charges will be charged for your requirements.

The best way that your payment quantity would increase is when that you don’t adhere to your loan payment contract. You have to ensure your banking account has sufficient funds to cover the preauthorized debit from the date you consented to make that loan payment. In the event your banking account has inadequate funds during the time of the preauthorized debit, you’ll be charged a missed payment charge, as well as your bank might also ask you for a non-sufficient funds cost. From here on, collection passions will undoubtedly be placed on the balance that is remaining of loan until it’s completely paid back.

In the future, your file will likely to be handed down to the expert collections group who can do their finest to come calmly to an understanding with you. Regrettably, should you not assist us to settle your loan within the agreed-upon time period, iCASH may have no other option but to pass on your own file to an external collection agency.

The transfer of one’s file to an outside collection agency might also produce additional costs it can lead your credit file to a negative note and could damage your file for six years for you. Your credit report information could be handed down to many other businesses by credit reporting agencies installment loans low interest rates and fraudulence security agencies for verification purposes or even monitor your whereabouts to be able to recover the amounts owed.

This is the reason we reiterate that it’s extremely important to respect your commitments with us. iCASH is an organization by having a individual part and we recognize that difficult circumstances you can do. Should this be the situation, please contact us just as you possibly can therefore we are able to find an arrangement that may keep your charges down for both you and which will allow you to definitely fulfill your commitments. Nonetheless, iCASH highly recommends you think really before using for a loan. When you yourself have any doubts regarding your capability to reimburse this loan in line with the founded terms, we advice one to find another way to obtain funding.