THE HASSLE-FREE LOAN, WHEN YOU NEED IT

Canada’s most accessible loans

What loan amount would you like?

800

Want to know how many repayments?

Two payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.

Three payments loans are only available for customers who get paid weekly, bi-weekly or twice a month.

Tell us what province you live in.

Alberta

WHAT'S THE BEST LOAN FOR YOU?

Apply for a short-term loan from the comfort of your home. Our assessment process helps determine your eligibility based on your financial situation.
Licensed and regulated lending services.

Intime financial help and on-time loans and borrow money with payday loan advance

Safe & Secure

Completely confidential and secure, guaranteed! We use the same high security standards like the banks.

Expert Support

Our support staff. Always ready and available to answer any questions that you may have to ensure you get the loan you need.

No Hidden Fees

Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.

Flexibility

Your interest fee is unchanged, whether it’s better for you to pay in 1, 2 or 3 equal repayments.

Transparent

Our lending process has no hidden fees. What you see is what you get. That’s our promise as fully compliant licensed lenders under provincial law and regulation.

Fast

Quick application process with same-day decisions. You'll receive your loan terms and repayment schedule of 1, 2 or 3 installments based on your needs.

1.

Apply online

Complete our simple online application with your personal information, choose your loan amount and repayment plan. The process is straightforward and secure.

2.

Get a decision

We'll review your application and inform you of your qualification status. If approved, you'll receive your loan terms and electronic contract to review and sign.

3.

Receive funds

Once your contract is signed, your loan funds will be transferred to your account via e-transfer, typically within the same business day.

My Online Cash provides licensed
short-term lending services.
Here are 5 reasons to choose us:

Credit Score Not Great?

Don't be discouraged by a poor credit score. What we're interested in is your ability to repay. Just because things went badly for you in the past doesn't mean you're not able to repay today. We use our assessment process to evaluate your overall financial situation. But of course, we don't want to contribute to making your situation worse, so our Code of Conduct directs us to never loan you any money we don't think you'll be able to repay.

Quick funding process

Residents of Canada and the larger metropolitan area will appreciate our efficient short-term loan process. In most cases, your loan will be available the same business day. We have a streamlined approval system that you can use from the comfort of your home.

Simple application process

We know other companies require extensive documentation. No need to worry about that with us. We won't ask for faxes or letters, nor will we require you to come into our office to sign any documents. It's all streamlined, online, for your convenience.

Completely transparent

Our Code of Conduct assures you'll experience an ethical, responsible and transparent loan experience. Everything is clearly explained, and your questions are answered when you ask them. Everything you need to pay is explained up front and transparently. Our job is to provide clear lending services.

Safe and secure

Of course, we require some personal information to assess your application, but you can rest assured that your information is safe with our industry-standard encryption technology. Wherever you live in the Canada area, from Delta to Richmond, Burnaby to West Vancouver, and beyond, this is a secure, straightforward, and transparent loan process.

We appreciate the positive response to our lending services from our clients in Canada. Look forward to more short-term loan opportunities as we work to provide reliable financial services.

Licensed Short-Term Loans

Borrow up to $1,500 from a licensed and regulated lender. Simple online application with flexible repayment options. Same-day e-transfer available.

APPLY NOW

Short-term loans are high-cost loans. Loan amounts depend on net pay and other qualifying requirements. Repayment terms: 62-180 days.

Example: A $500 loan over 90 days at 32% APR would cost $39.45 in interest, with total repayment of $539.45.

British Columbia Residents: The maximum fee allowed for a short-term loan in BC is 14% of the principal. We charge $14 per $100 borrowed. For example, a $300 loan over 62 days has a total borrowing cost of $42, requiring repayment of $342, with an APR of 82.45%

Manitoba Residents: The maximum allowable charge is 14% of the principal. We charge $14 per $100 loaned. Example: A $300 loan for 62 days costs $42 to borrow, with total repayment of $342 and an APR of 82.45%. Contact Manitoba Consumer Protection Office at 1-204-945-3800 or visit gov.mb.ca/cp/cpo.

Nova Scotia Residents: Cost of borrowing is $14.00 per $100 on a $300 loan for 62 days (82.45% APR).

Ontario Residents: Maximum cost is $14 per $100 borrowed. We charge $14 per $100. A $500 loan for 90 days costs $70 to borrow, with total repayment of $570 and an APR of 56.89%.

Saskatchewan Residents: Maximum cost is $14 per $100 borrowed. We charge $14 per $100. A $300 loan for 62 days costs $42 to borrow, with total repayment of $342 and an APR of 82.45%.

Representative Examples:

Borrowed Amount	Period	Monthly Interest	Total Interest	Total Payback Amount	APR
$10,000	3 months	$291.67	$875.00	$10,873.00	35%
$20,000	3 months	$500.00	$1,500.00	$21,500.00	30%
$50,000	6 months	$1,041.67	$6,250.00	$56,246.00	25%
$100,000	6 months	$1,666.67	$10,000.00	$110,000.00	20%