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Rating by Finanso®

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Captain Cash's application


How to apply


Captain Cash's business is operating online. It's easy, quick, and paperless. They accept screenshots, scans, and pictures of your documents taken with your smartphone.

What do you need to apply:

1. Go to the Captain Cash site

2. Fill out the online application form with your personal, residential, financial, and employment information.

You will need to provide this data: name, telephone and fax number, postal address, date of birth, sex, marital status, social insurance, profession and job information (how long have you worked there, salary, etc...), name and address of employer, revenue (all acceptable sources), financial situation data (assets, bank statements, etc...)., bank details. You will be as well required to share a safety contact with Captain Cash. It is someone close to you who does not live at the same address. They will be needed only in case of a protracted breach of communications.

All the information is confidential and collected to evaluate the client's ability to take and pay back loans.

3. Review and submit your application.

You give access to a 90-day read-only copy of your bank statement. Your information is protected Private Policy and Terms of Use pages on the official website.

4. Wait until an analysis department verifies your information and calls your employer.

5. They happily accept your request! Look at your debit — the loan should be paid out by direct deposit the same day as an application was approved (only business day, if it was approved by 2.00 pm).

If you have no access to the Internet call 1-888-226-1026

Application details

If your application is approved before 2.00 pm ET you can get your short-term loan the same day during the business day. A payday loan will be paid out as quickly as possible, within 24 hours, in some cases it takes 3 days.

96% of applications are approved within 24 hours.

Business time: eastern services 8:30 am –5:30 pm Monday-Thursday, 8:30 am – 4:30 pm Friday. Pacific services 5:30 am – 2:30 pm Monday — Thu 5:30 am, 5:30 am – 1:30 pm Friday.

An application form could be filled out and submitted 24/7.

There are reasons why your application may be rejected:

  • Your income isn't big enough

  • You have an undischarged bankruptcy

  • You don't have a stable employment

  • You are self-employed or employed for less than 3 months

  • You didn't provide all the required information or you provided incorrect information in the form

  • You aren't a Canadian citizen

  • Your source of income isn't acceptable

  • There are too many insufficient funds or other charges in your account

Go to the Captain Cash official website and click the "Claim your cash" button. You open the tab with the requirements and an application form. It is written that requesting a payday loan takes you 5 minutes and it will be transferred the same day if your application is approved by 2.00 pm.

Fill out your personal and residential information: name, date of birth, email, cell phone number, social insurance number, address, and postal code.

Provide your revenue information: source of income, payment method, frequency, and date of the payment.

Give bank and financial information, and the amount you wish to borrow. Also, you should confirm that you aren't going to declare bankruptcy or enter into a consumer proposal.

Leave the name and the phone number of your safe contact and submit the application form — click the button "Claim your cash!".

Also, there is an option to apply by phone. Call 1-888-226-1026, customer service is ready to assist.

The Analysis department gets your application and decides if you can borrow. A specialist reviews your file which is subject to a screening process to verify all the information you have provided and make the necessary calls.

The lender makes a job confirmation: it means they call your employer to ensure that you still work there, and ask about your hiring date and working plans in the future. All the calls are confidential, they don't disclose any information about the purpose of the conversation.

This process could take a business day, but it is claimed that it usually goes faster. 96% of applications are approved within 24 hours. The submission form is available 24/7 and the Captain Cash team prides itself on amazing customer service which is easy to deal with and fast to respond to.


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

Usually, a loan request is approved the same day you have applied. 96% of applications are accepted within 24 hours. It could take up to 3 days due to the number of applications and time needed for the verification process.

How trustworthy is Captain Cash?

Captain Cash was established in 2015 and has a lot of good reviews and a verified profile in Trustpilot, and accounts on social networks.

Captain Cash uses robust encryption to keep your personal information safe, and never shared with third parties. The EV SSL certificate is valid. The website is monitored and verified by Verisign, the highest level of online site security.

The lender gives a guarantee that your information will be kept confidential. When you call about your loan file, it is required to answer security questions to access your file. This procedure ensures that nobody else but you can access your information.

Does Captain Cash verify income?

Yes, you could provide revenue and employment documents and a bank statement in a 90-day read-only copy.

The source of income is strictly limited by employment and the amount of at least $1,200. Self-employment, social assistance, or insurance payments aren't accepted as an appropriate form of income.

Does Captain Cash hurt your credit score?

Yes, it does, if you aren't paying back. The lender uses collection agency services to get the repayments. The borrower is legally responsible for uncollected debts and fees.

Be sure that you will be able to make payments before you apply for a loan. It should suit personal financial problems and goals.

Calculate loan payments in Captain Cash

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

Loan amount

Enter the desired loan amount

500 $
750 $
Loan term

Specify the loan term for the calculation


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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