From application to cash, without the waiting
Express Cash is a fast, secure way to get the money you need. You repay weekly or bi-weekly, to match your pay cycle.
What our clients say
A selection of real reviews from Express Cash clients, published on Trustpilot.
Verified reviews
Every review is collected and published by Trustpilot, an independent platform. We cannot edit or remove them.
Secure connection via IBV
Works with the account your pay already lands in
Bank verification (IBV) lets you apply without a credit check or a stack of documents.
Connect the account where your pay lands. We confirm your income and banking activity to review your application.
- No credit check required
- Paperless application
- Read-only connection: it cannot move money out of your account
Funds are sent straight to the account you connect, the same one your pay lands in.
Small loans, clear terms
No credit check, a repayment schedule that follows your pay cycle, and all fees disclosed before you accept your loan.
Quick decision
You choose the amount that fits. Nothing is preselected.
From $300 to $1,500
Total includes the $0.95 transaction fee.
Repayment that fits
Contact us and we'll go over your options together. A real person answers.Anytime. That's what we're here for.Real people, no pressure
Rates & terms
Straight answers, before you apply
Pick an amount and the repayment pace that fits your pay cycle. The payment updates as you adjust.
Repayment frequency
Every loan includes
- Amount
- $300
- Term
- 2 months
- Maximum APR
- 28%
The $0.95 transaction fee is included in the total amount repayable.
Loan terms between 61 and 120 days. Maximum APR 28%. The $0.95 transaction fee is included in the total amount repayable.
Representative example: borrow $300: total repayable $484.64, in 4 bi-weekly payments of $121.16 or 8 weekly payments of $60.53.
| Loan | Term | Bi-weekly | Weekly |
|---|---|---|---|
| $300 | 2 months | 4 × $121.16 | 8 × $60.53 |
| $500 | 3 months | 6 × $135.11 | 12 × $67.50 |
| $750 | 3½ months | 7 × $174.02 | 14 × $86.94 |
| $1,000 | 4 months | 8 × $203.38 | 16 × $101.60 |
| $1,500 | 4 months | 8 × $305.07 | 16 × $152.40 |
Four steps from
request to deposit
You fill in one short application. We check your identity, confirm your income through your bank, and review your request. If you are approved, the funds are sent by Interac e-Transfer.
See how it works, step by stepApplication
About 2 minutes, paperless, from your phone
Identity & IBV
Connect your bank to confirm your income
Review of your request
The amount depends on your confirmed income
Answer & deposit
If approved, sent by Interac e-Transfer
Key terms at a glance
Maximum loan
Maximum term
Maximum APR
Apply, repay, and know
exactly what happens
Applications are reviewed 24/7
A small Canadian team
A small team, there when it matters
Every application is reviewed by our team. If you have a question, or something changes, you can reach a person 7 days a week.
Our terms are published: no credit check, 61 to 120 days, and repayment that follows your pay cycle.
Reviewed by our team
Our team reviews your application before any offer is made.
No credit check
Your credit score doesn't decide the outcome.
Follows your pay cycle
Repay weekly or bi-weekly, matched to when you get paid.
Frequently asked questions
Everything you need to know about borrowing with Express Cash.
We apply a maximum Annual Percentage Rate (APR) of 28%, in compliance with applicable Canadian lending laws. This rate includes all service fees associated with your loan. A one-time transaction fee of $0.95 also applies when your loan is issued.
We will determine your minimum payment together after verifying your repayment capacity and the duration over which you wish to make your payments.
Our payments are flexible and can be repaid over a minimum period of 61 days and a maximum of 120 days (16 weeks). Payment frequency can be bi-weekly or weekly.
You may also make an early repayment, in full or in part, at any time without penalty.
At Express Cash, we do not base our decision on your credit score. Instead, we evaluate your repayment capacity based on your income and banking history.
If a particular situation arises during your loan, we are here to help you with your payment issues. Contact us immediately if you are experiencing difficulty making your payments so we can explore available options together.
Applications are subject to our verification process to ensure the borrower has sufficient income to repay. You must:
- Be 18 years of age or older at the time of application.
- Have a regular monthly income of at least $1,200, paid by direct deposit.
- Be a Canadian citizen and hold a Canadian bank account.
- Have worked for at least three months, with regular payments.
- Not be bankrupt or about to declare bankruptcy.
- Have a good banking history, without returned payments.
If you do not meet these criteria, your loan application may be declined.
The following applicants and income sources are not accepted:
- Self-employed workers.
- Retirement savings.
- Student loans.
- KOHO accounts.
- Child tax credit.
- The ODSP program.
- Any form of social assistance.
Failure to make payments on time can result in serious consequences:
- NSF Fee (Non-Sufficient Funds): $50.00 if a payment is returned due to insufficient funds in your account.
- Collection Actions: Your account may be sent to a collection agency.
- Negative Credit Reporting: Late or missed payments may be reported to credit bureaus, affecting your credit score.
- Legal Action: In severe cases, legal action may be taken to recover the debt.
- Additional Interest: Interest continues to accrue on unpaid balances.
We encourage you to borrow responsibly. While we offer an excellent way to help you in times of need, our loans are designed as short-term solutions and should not replace long-term financial planning. Use our services only when no other option is available. Taking out too many short-term loans simultaneously could lead to serious financial problems and excessive debt.