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Whether it's a car repair, doctors' bills, ODSP Payday Loans, or tuition fees, everyone needs a little help from time to time. A quick cash loan from iCASH gives you easy access to the funds you need.
We want to make online loans as hassle-free as possible. Check out our Education Center to get all the details you need, from budgeting tips to financial term definitions.
If you are having a hard time figuring out how much money you need, try using our simple budget loan calculator !
To learn more about how we differenciate ourselves from other lenders, go see our comparison chart mt bank loans
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To qualify for a fast online loan from iCASH, you must:
The cost of borrowing is calculated as a percentage of the amount borrowed and range between $15 to $23 according to the payday loan legislation of each province:
iCASH's lending process is fully transparent so you can clearly understand your repayment responsibilities. Depending on your pay period this daily fee may change. Your total amount to be repaid is the loan amount plus the interest fee, no additional fees will be charged to you.
The only way that your repayment amount would increase is if you do not comply with your loan repayment agreement. You must make sure that your bank account has enough funds to cover the preauthorized debit on the date you agreed to make a loan payment. If your bank account has insufficient funds at the time of the preauthorized debit, you will be charged a missed payment fee, and your bank may also charge you a non-sufficient funds fee. From there on, collection interests will be applied to the remaining balance of your loan until it is fully repaid.
From that point on, your file will be passed on to our professional collections team who will do their best to come to an agreement with you. Unfortunately, if you do not work with us to repay your loan in the agreed-upon time frame, iCASH will have no other choice but to pass on your file to an external collection agency.
The transfer of your file to an external collection agency may also generate additional fees for you, it can lead your credit file to a negative note and could damage your file for six years. Your credit file information can be passed on to other organizations by credit agencies and fraud protection agencies for verification purposes or to track your whereabouts in order to recover the sums owed.
This is why we reiterate that it is extremely important to respect your commitments with us. iCASH is a company with a human side and we understand that difficult situations may happen. If this is the case, please contact us as soon as you can so we can find an arrangement that can reduce costs for you and that will allow you to meet your commitments. However, iCASH strongly recommends that you think seriously before applying for a loan. If you have any doubts about your capacity to reimburse this loan according to the established terms, we recommend you to find another source of financing jcp online credit center
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Our loans are considered short-term loans and have up to a 12-24 month term with an interest rate of 3.9% per month.
NOTE: You can pay off your loan at any time with no penalty. You will only pay interest up to the date you borrow it.
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