FAQs

If your question is not answered you can email us at info@xcash.ca or call us today at 416.633.2408.

What is Cashing Cheque?

Bring your employer cheque to our office and we will give you the amount in cash minus a small fee we charge!

What is Loan for Gold (Pawn)?

You will get an amount based on the value of your gold, diamond jewelries and brand Watches while we hold onto your jewelry in a safe and secure place. Interest is $10 for every $100 borrowed and payments are made monthly.

What is Layaway Jewelry?

Simply make a small deposit on the item of your choice and we will keep the jewelry aside for you until it is paid in full! Payments are normally made biweekly with the amount that works for you until finished.

What is a Payday Advance loan?

A payday loan, also known as a payday advance loan, is a small short-term unsecured loan with a maximum allowable amount of up to $1500. The interest charged is government regulated at $15 for every $100 borrowed and you pay back on your next salary day.

How fast is the approval for a loan?

If you have provided us with all the information required:

Payday loan – you can get the money the same day.

Personal loan & other secured loans – 24 hour approval!

What is a Caregiver Loan?

We offer Caregiver Loan for Nannies and Caregivers that are currently working in Canada under Working permit or Open Permit. To learn more, come to our office!

How do I apply for a loan?

Apply online or come to our office at 3768 Bathurst Street, Unit #206, M3H 3M7 to get the quickest application process

What is a Secured Personal Loan?

You will get an amount based on your home equity value. Normally up to $45,000

Can I apply if I have bad credit?

OF COURSE! You can apply for a loan if you have bad credit; although you cannot be currently under consumer proposal, or in a debt management plan.

Can I apply if I am currently bankrupt?

If you are not yet discharged from a bankruptcy, call us and we may still be able to help you with a loan.

What is a Car Title Loan or Car Repair Loan?

Use your vehicle as security to borrow the cash you need. We can lend you up to 50% of your vehicle’s value.

I applied for a loan online, when can I expect a reply?

During our normalĀ business hours a sales representative should call shortly after you submit your application. We will contact you via the phone number you provided on the application form. If no one has contacted you, wait 24 hours after applying to give us a call.