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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.

Cash Money's application


How to apply


The conditions for providing loans depend on the applicant's expected solvency. They are defined as follows:

  • Be a resident of Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario & Saskatchewan;

  • ID stating a customer's 18 or more years of age;

  • Sufficient earnings. Cash Money also accepts government-assisted revenue such as Employment Insurance, Social Assistance, Child Tax Benefits, and Canada Pension Plan;

  • Valid checking account;

  • Origin of revenue;

  • Active phone number;

  • The necessity to accept the Cash Money Public Offer.

Application details

The process of application consideration is fully automated and takes about 10 minutes. The lender has the right to request additional documents from the applicant.

Reasons for rejection

Rejection may be affected by:

  • Non-compliance with thе requirements for recipients of personal loans;

  • Applicants do not match age requirements;

  • Residence in non-accessible jurisdictions;

  • Bad credit history.

Cash Money offers the three ways to apply for a loan:

  • Online

  • By calling 1-877-526-6639

  • In-store

To apply for a loan from Cash Money online, you need to follow the procedure:

  1. Visit the company's official website and click on the "Apply now" button.

  2. Select the province of residence. The company's services are currently available in Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario & Saskatchewan.

  3. Select the loan type.

  4. The system will provide the review regarding the lender's license in the specified province and the fees to be paid.

  5. Specify the e-mail address, create a strong password and select a security question.

  6. Accept the Communication Policy and the Privacy Policy.

  7. Enter your personal and contact information.

  8. Fill in your bank account and job details.

  9. Submit the application.


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

With Cash Money, you can expect same-day approval on your loan application, especially when you apply in-store.

How quickly funds can be received?

Borrowed amounts are credited to the Opt+ card and with the Interac e-Transfer system within 15 minutes.

Delays might happen on the banks' side, but they are scarce. To avoid it, customers are recommended to deal with reputable financial institutions.

How trustworthy is Cash Money?

Cash Money has been around since 1992. By today, the company has gained the trust of almost 1.2 million Canadians.

Being a member of the Canadian Consumer Finance Association, Cash Money follows all provincial laws and regulations. They also claim to take online security measures seriously and protect their borrowers’ financial info, data, and passwords.

Does Cash Money verify income?

Cash Money verifies a borrower’s income. When applying for a loan, be ready to provide a pay stub or bank documents. In case you cannot provide them, Cash Money welcomes you to visit one of their Cash Money stores in person.

Does Cash Money hurt your credit score?

When assessing your eligibility for a loan, Cash Money will perform a hard check on your credit. As a result, your credit score may be temporarily reduced. 

Besides, Cash Money will report your payment habits to the credit bureau. So, it is in your best interest to pay your loan on time. Late or missing payments will reduce your credit score. 

Calculate loan payments in Cash Money

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

Cash Money calculator
Interest rates are given in accordance with the rates of the bank in Ottawa as of 25.09.2022
Loan amount

Enter the desired loan amount

50 $
10000 $
Loan term

Specify the loan term for the calculation


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

  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 Cash Money 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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