Last updated: July 2026
These terms govern your use of xcash.ca and the submission of loan applications through it. Submitting an application does not create a loan agreement. A loan exists only once you have reviewed and signed a loan contract that sets out all amounts, costs and dates.
You must be at least 18 years old, a resident of Ontario, and provide accurate, complete information. Applications containing false information will be declined and may be reported where required by law.
Payday loans: the cost of borrowing is $14 per $100 advanced, the maximum allowed in Ontario. Example: a $500 loan for 14 days costs $70, total to repay $570, annual percentage rate 365%. Payday loans are high-cost loans. Ontario Payday Loan Licence # B82-4868768.
Personal loans: APR ranges from 34.56% to 34.95% with terms of 6, 12, 18 or 24 months, bi-weekly payments that follow your pay dates, and no prepayment fees.
Secured loans (home equity, car title, pawn): rates and terms are stated in your loan contract and depend on the collateral. Approval is not guaranteed and conditions apply.
Payments are debited from the chequing account you provide. Unpaid debt may be transferred to a collections agency. Contact us before a payment date if you anticipate difficulty.
You may cancel a payday loan within two business days of signing, at no cost. For information about your rights, contact Consumer Protection Ontario at 1-800-889-9768 or visit ontario.ca/page/payday-loans.
Pawn and gold transactions are governed by the Pawnbrokers Act and City of Toronto municipal bylaws. Pawnbroker Licence # B63-5604524; Second Hand Shop Licence # B73-4420888. Valid government-issued photo ID is required for every transaction.
Content on this site is provided for general information and does not constitute financial advice. Calculators produce estimates only; your loan contract governs. We may update these terms at any time. The version posted here applies.
Questions about these terms: info@xcash.ca or 416-633-2408.