Skip to content
Express Cash
Log inApply now

From application to e‑Transfer, step by step

One short online application, a review by a real person, and the funds sent by Interac e-Transfer. Here is what happens at each step, what you need to qualify, and what every amount costs.

Apply nowExcellent4.8 out of 52,788 reviewsTrustpilot(opens in a new tab)

No credit check · Paperless · Quick decision

Rated by real clients
Excellent4.8 out of 5 · 2,788 reviews onTrustpilot
Starting your application…
Application
Personal loan
Full name
· · ·
Amount
· · ·
Submit
A few details, no paperwork.
Step 1 of 3 · Application

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.

Your request: $750 over 14 weeks
01

Application

A few minutes, paperless, from your phone

02

Identity & IBV

Your bank verifies the details for you

03

Matching your loan

Matched to your income and pay cycle

04

Approved & funded

Funds head straight to your account

The whole product, in numbers

$1,500

Maximum loan

120 days

Longest term

28%

Maximum APR

Apply, repay, and know exactly what happens

Apply in minutes. A short paperless form: your name, your income, your bank. That's the whole application, and it takes about as long as your coffee.
Repay on your rhythm. Weekly or bi-weekly payments that line up with your pay cycle, on a schedule you agree to up front.
Eligibility, honestly. No credit check stands between you and a decision. Here is exactly what we do and do not look at.

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

No credit check required61-120 day termsPaperless application24/7 customer support
Your payment
/ 2 weeks
Repayment schedule4 payments · 2 months
Amount
$300
Term
2 months
Maximum APR
28%

The $0.95 transaction fee is included in the total amount repayable.

Apply for $300

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.

Why Express Cash

Help that treats you like a person

The fast money is the easy part. What matters is how it feels, from the first question to the last payment.

No credit check, ever

Applying does not run a hard inquiry into your credit file. Getting started stays private.

A quick decision

Most applications get a fast decision when eligible, so you can see your options the same day.

Repay on your rhythm

Weekly or bi-weekly payments on a schedule that lines up with the way you get paid.

A human, whenever

Call or email with a question and a real person answers: advice first, not a sales script.

Your details stay yours

Everything is encrypted in transit and at rest, and never sold to third parties.

Built for tight weeks

Short, defined terms between 61 and 120 days. Help that ends on a date you know.