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Captain Cash


About lender

Captain Cash is a Canadian brokerage company whose mission is finding cash loans for clients with either good or poor credit history. They offer cash loans, online payday loans, bad credit loans, installment loans in Canada.

You can apply online and receive up to $750 on the same day. There is no need to pass any credit checks, and credit setbacks in the past are not an obstacle. You can pay back your loan over 3 months or more.

Captain Cash is a company dedicated to facilitating loans for clients who urgently need some extra money or have a low creditability, and don't have much time to wait days or weeks until a bank approves their application.

The company was established in British Columbia, Canada, in January 2015. Their business idea was to provide an alternative lending solution for Canadians who don't qualify for traditional banks.

Captain Cash works with reliable lenders in Canada who provide fast personal loans without any credit check within the same day an application was approved (24 hours, business day only).

Pros and cons

Captain Cash short-term loans suits borrowers who are going through an unusual cash flow crunch, aren't trustworthy enough for traditional lenders or have problems with debts in the past, and need to make an unexpected purchase, repair or expenditure.

Look through this pros and cons reviews carefully to make your decision whether to resort to this company to borrow money.


  • Fast approval (96% of applications are approved within 24 hours of receipt)

  • No credit checks

  • Debt problems in the past is not an obstacle

  • Loans are funded through direct deposit

  • Variety of loan forms to choose from

  • 100% online service

  • Online and fast renewal

  • Several repayment frequencies

Advantages are very attractive, especially if you are experiencing a pressing need for money. But try to think clearly, calculate all the costs and take into account all the requirements of the short term loans with Captain Cash.

There are some disadvantages you should be aware of before borrowing.


  • High interest rates and fees

  • Small amount of money to borrow

  • Strict requirements for the income source forms and amount

  • Stable job needed

  • Jobconfirmation through the calling to your employer

  • Only short repayment period available (90-120 days)

There are advantages and disadvantages of Captain Cash service, but it's important to remember that short term borrowing should not become a regular thing.

Borrowing online is fast and relatively easy, but there are high interest rates which could be hard to cover. One should bear that in mind.

Loan conditions

First time customers can borrow a maximum $500 the same day with no collateral need to secure financing. After settling the first loan in full you may apply again, for a bigger sum up to $750.

Captain Cash do business with reliable lenders who offer

  • Annual interest rates of 22% (APR) with transaction fee $0.50

  • An interest rate of 2.66% monthly or 22% annual percentage rate for outstanding debts in case of default

  • $45 in non-sufficient funds (NSF) fee

  • 3 months as the minimum length for repayment, meaning smaller installments

  • Possible delay a payment for an administration fee of $25

  • Brokerage fees

The rates depend on the client's credit rating and banking information. For example, in the worst case scenario (a recent job, too many NSF, etc...) your loan of $500 including all the fees and interest will result in a reimbursement of about $750.

You can make a renewal online: just go to the and click the "Renew your loan" button to fill out a simple request form.

Methods of a loan funding

During the application process you fill out financial and bank information. You submit the amount of a loan and it's paid out by direct deposit to the bank account you have specified.

You can get the money the same day if the application is approved by 2.00 pm EST. But in some cases it could take up to 3 days.

There are 3 ways to speed up an approval: have your name on your voicemail, provide a security contact that has the name on their voicemail, and give a consent to the employer to have a job confirmation done.


What is Captain Cash?

Captain Cash is an alternative business service offering online cash loans in Canada. It works with trusted lenders who have strict requirements to the amount and the source of the income. If you qualify you could borrow up to $500 for a first time. It is still possible for clients that have either good or bad credit.

Who owns Captain Cash?

The company's website does not provide this information. According to alternative data sources, Captain Cash is a Sole Proprietorship registered in British Columbia owned by Dominion Broker Inc.

How do you qualify for Captain Cash?

To qualify a borrower should:

  • Be at least 18 years old

  • Be a Canadian citizen

  • Have a stable job (for more than 3 months)

  • Have a month income of at least $1,200 received by direct deposit or cheque

  • Have a Canadian bank account (active at least for 3 months) which your employer uses for making payments

  • Have a low short-term debt ratio (don't have a lot of short-term loans with other companies)

  • Have a few no non-sufficient bank transactions

  • You shouldn't be in the active bankruptcy or consumer proposal

There is a list of revenues forms which aren't accepted as the income sources:

  • Social assistance

  • Student loan

  • Child tax

  • Self-employment

  • CPP (Canada Pension Plan)

  • Private pension

  • Disability income

  • Other insurance income

The company claims to be focused on the present situation, not on the past. Your current financial status, employment and income are more important during the evaluation process than credit score and history.

How much can you borrow from Captain Cash?

The first loan is up to $500. After getting a trusted history of Captain Cash short term loans you could request up to $750.

Is Captain Cash a legitimate company?

Yes, it is. They opened in January 2015, now it's a team of 50 people. The company served around 50,000 satisfied customers. They're verified and secured by GoDaddy and have a valid SSL certificate on their website for privacy and safety.

Company documents

Privacy Policy
Terms and conditions

Captain Cash aims to offer personal loans to everyone, regardless of credit score or income. 

© Captain Cash

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What to pay attention to when applying for a loan from Captain 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 Captain 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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