From application to cash, without the waiting
Express Cash is a fast, secure way to get the money you need, with weekly or bi-weekly repayment that fits your pay cycle.
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Secure connection via IBV
Works with the account your pay already lands in
Instant Bank Verification (IBV) lets you apply without a credit check or a stack of documents.
Connect the account where your salary lands and we read your banking history in seconds.
- No credit check required
- Paperless application
- Read-only connection: we never move your money without approval
Funds are sent straight to the account you connect, the same one your pay lands in.
Small loans, big peace of mind
No credit check, clear terms, and a repayment schedule built around your pay cycle: everything you need, from application to the day your funds land.
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
We'll work with you on a plan that fits. A real person answers, 7 days a week.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 |
How your money
comes together
One short application is all it takes. We handle the identity check, the matching, and the paperwork. You get a decision when you're eligible, and funds when you're approved.
See how it works, step by stepApplication
A few minutes, paperless, from your phone
Identity & IBV
Your bank verifies the details for you
Matching your loan
Matched to your income and pay cycle
Approved & funded
Funds head straight to your account
The whole product, in numbers
Maximum loan
Longest term
Maximum APR
Apply, repay, and know
exactly what happens
A small Canadian team
A small team, present when it matters
Every application is read by someone on our team. If you have a question, or something changes, you can reach a person 7 days a week.
The terms stay exactly as written: no credit check, 61 to 120 days, and repayment that follows your pay cycle.
Human review
A person reads your application and makes the decision.
No credit check
Your credit score doesn't decide the outcome.
Built around payday
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.