Payday Loans
$100 to $1,500 · same dayBridge the gap to your next paycheque. 100% online, no paper documents, funds deposited directly to your bank account.
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Payday loans up to $1,500, personal loans up to $5,000, home equity and car title loans, or instant cash for your gold. Simple online application, fast approval, money straight to your account.
Ontario payday loan: $14 per $100 borrowed. On a $500 loan for 14 days, the cost of borrowing is $70, total to repay $570, annual percentage rate 365%. Licence # B82-4868768.
Whatever life throws at you, there's an Xcash solution that fits, from a quick top-up before payday to unlocking the value in your home, car or gold.
Bridge the gap to your next paycheque. 100% online, no paper documents, funds deposited directly to your bank account.
Learn more →Unsecured instalment loans with fixed bi-weekly payments that follow your paydays. No prepayment fees. Pay it off early any time.
Learn more →Turn the equity in your home into one small monthly payment. Approval in as little as 24 hours, bad credit welcome.
Learn more →Use your fully-paid vehicle as collateral and keep driving it. Larger amounts, longer terms, credit issues OK.
Learn more →Bring in your gold for a free XRF appraisal (no scratches, no chemicals) and walk out with cash in hand.
Learn more →No line-ups, no paper documents, no waiting around. Most applications take under 10 minutes.
Fill out our secure application from your phone or computer. It's quick, painless and doesn't require a single paper document.
Our application team reviews your file right away. Payday loans are often approved the same day, home equity in as little as 24 hours.
Funds are deposited directly into your bank account. Bringing in gold? Walk out with cash in hand the same visit.
We're a licensed Ontario lender, not a broker. You deal directly with our North York team, and your information never gets sold to third parties.
Big banks make you wait. Online-only lenders hide behind chatbots. Xcash gives you the best of both: a fast digital application backed by real people you can call or visit.
Payday loans are high-cost loans. Ontario caps the cost at $14 per $100 borrowed, and you can cancel within two business days at no cost.
Questions about your rights? Contact Consumer Protection Ontario
1-800-889-9768 · ontario.ca/page/payday-loans
Taken word for word from our Google reviews. Click any card to read the full review.
If payments are piling up faster than you can manage, taking on another loan may not be the right move, and we'd rather tell you that than watch you sink further. Our partners at xdebts.ca help Ontarians take back control through a government-regulated consumer proposal.
Free, confidential consultation. No obligation.