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Rating by Finanso®
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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.

Captain Cash's pay off

Finanso.Multilogin™

Repayment of loan

The repayment period could be up to 90-120 days. Captain Cash services provide a flexible payment plan: 3,6 or 12 installments. Pay frequencies are from weekly to monthly.

There are 3 ways to make a repayment:

  1. Email money transfer.

  2. Credit card

  3. Automatic withdrawal.

To pay with a card call 1-877-471-4589. For email transfer or early automatic withdrawal yo,u could either call or mail at Receivables@diamondfinancialone.com

The first repayment should be automatic, by direct payment from the account you have accepted during the application.

An automatic withdrawal (or direct payment) is an instruction from you to your bank which authorizes the company to collect the fixed amount. You have already agreed with the amount, the terms, and the dates of collection in the application form.

The money is deducted automatically with no additional fees. You won't miss a regular important payments.

Also, you can make an online payment using Interac e-Transfers.

  1. Access your online bank account and locate the Interac e-Transfers section.

  2. Transfer the desired sum using Receivables@diamondfinancialone.com as the recipient.

  3. Use the security question “who do I owe” and the security answer “captain cash” (no capital letters or spaces).

  4. Fill out the identification form https://captaincash.ca/online-payment/

Conditions of loan extension

To extend a loan you should notice the lender in advance (48 hours) to stop the regular repayment.

You can't defer your first and last payment or two payments in a row. Also, it's impossible to make late payments if your last one was unsuccessful.

Note that late payments are fined. The first time the fee is $25, the next it costs you $50 ($25 fee and $25 off your balance) and the third deferral request is $75. A fee will be added to the end of your contract.

Stop paying back is disadvantageous because the stop payments fee is more than the deferral fee. And multiple stop payments give your loan file a poor score which affects your chances of approval for future loans.

If you don't call or email to defer your payment and miss it, you will acquire $45.00 for insufficient funds. Missed regular payment will be postponed to the end of your contract with an NSF fee.

For each payment you have missed, the loan will be extended by 2 payments: for the missed one, and the NSF fee.

Try to make the repayment you've skipped within 5 business days. In this case, no NSF fee will be charged.

To defer the payment call: 1-877-471-4589 or email at Receivables@diamondfinancialone.com

Early payoff

You can make all the repayments early except the first one, which should be paid as it's scheduled by automatic withdrawal.

There are three other options for early repayments:

  1. Email money transfer.

  2. Credit card

  3. Automatic withdrawal.

For paying with a card call 1-877-471-4589. For email transfer or early automatic withdrawal, you could either call or email at Receivables@diamondfinancialone.com

Paying off your debt early is a great opportunity to reduce a financial burden. Give a notice to the lender minimum of 48 hours to stop the regular repayment, and in 7 days to stop a surety fee.

Interest rates ofshort-termm loans are high, so try paying as early as possible. If you qualify for a traditional loan with lower interest rates, it is better to use bank services.

FAQ

How do I make a payment on Captain Cash?

Your payments are made from your account automatically, by direct payment, with a frequency you choose.

Also, you can use an email money transfer or credit card. The first payment should be automatic.

For paying with a card call 1-877-471-4589. For email money transfer or early automatic withdrawal you could either call or mail at Receivables@diamondfinancialone.com

What happens if you don't pay back Captain Cash?

If you don't pay back as it is scheduled, you will acquire a $45.00 NSF charge. Missed payment will be postponed to the end of your loan with an NSF fee.

Try to make the missed repayment within 5 business days. In this case, no NSF fee will be charged.

Note: if you still can't settle the entire loan, the lender will use collection agencies' 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 submit the loan application. It shouldn't be a financial burden that is impossible to bear.

Can you pay Captain Cash early?

Yes, you can. Except for the first payment which is paid off automatically as it is scheduled. There aren't any early payment fees.

Notice the lender minimum in 48 hours to stop the regular repayment, and in 7 days to stop a surety fee.

For paying with a credit card call 1-877-471-4589. For email money transfer or early automatic withdrawal, you could either call or mail at Receivables@diamondfinancialone.com

Can Captain Cash sue you?

Yes, they can. The borrower is responsible for all legal fees required to obtain the balance due. The uncollected debts are prosecuted to the fullest extent of the law.

Borrow responsibly: review requirements and conditions, and calculate all payments, fees, and terms of borrowing to understand weather Captain Cash services are the best option for your financial needs.

Calculate loan payments in Captain Cash

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

Loan amount
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Enter the desired loan amount

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CAD
USD
500 $
750 $
Loan term
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Specify the loan term for the calculation

days
months
90
120

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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