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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Capital Cash's application


How to apply


Capital Cash strongly recommends checking the application requirements before applying online and ensuring that the potential borrower can repay the loan on payday.

The application consists of 4 sections:

  • Personal Information;

  • Income information;

  • Bank information;

  • Credit Information.

Credit eligibility means that the customer meets the following criteria:

  • They are 18 years of age or older;

  • Holds Canadian citizenship or permanent resident status in Canada;

  • Employed by the same employer for at least 90 days;

  • They have had an active bank account for at least two months;

  • Income is directly deposited;

  • provided valid current residential and work addresses.

Application details

If Capital Cash approves the application before 2:00 p.m.EST, Monday through Friday, the loan will be electronically deposited into the borrower's account before 6:00 p.m. EST. The company may send email transfers or EMTs at its own discretion for repeat customers. The customer generally receives EMTs within 20 minutes of being sent by Capital Cash.

After clicking the "Apply" button and requesting a loan, the form is displayed where all fields are mandatory. The customer will not be able to proceed to the next step if the block of questions is not fully answered.

Capital Cash will ask you for your first and last name, the amount you wish to borrow, SIN, a personal reference, and confirmation that there are no bankruptcy proceedings. Other information relates to your employment, income, and credit information.

Note that the minimum loan amount in the application is $80. However, the footer and the FAQ section say that the minimum loan amount is $100.

All information requested by Capital Cash is needed to ensure the KYC of each borrower. The company will thoroughly review the data provided before making approval decisions.


Reasons for Rejection

If the borrower does not meet the Capital Cash criteria for applicants, the application may be denied (e.g., age under 18, no permanent job, bankruptcy proceedings, residency in Alberta or Manitoba).

How long does it take to get approved by Capital Cash?

You will receive the results by email. Capital Cash decides quickly. If it is done by 2 p.m., the borrower can expect the money before 6 pm on the same day.

Money is paid after a loan agreement is signed.

How trustworthy is Capital Cash?

Capital Cash complies with all applicable laws in all jurisdictions in which it makes loans and with the provisions of the Payday Loans Act, 2008.

Does Capital Cash verify income?

According to available information, Capital Cash verifies information on stable employment, direct payments from employers, and a monthly income of at least $700 after taxes.

Does Capital Cash hurt your credit score?

Capital Cash does not check your credit score for past periods with other lenders and banks, but if you fail to repay the payday loan and violate the terms of the signed loan agreement, your credit score will be affected.

Calculate loan payments in Capital Cash

Capital Cash calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

150 $
1500 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Capital Cash

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Capital Cash from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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