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Lender
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.

iCash's pay off

Finanso.Multilogin™

Repayment of loan

The company has already taken care of repayments, so there is no need for customers to do it manually. The loan repayments will be debited from the borrower's bank account in accordance with the payment schedule. All details can be found in the loan agreement that will be sent in the provided email.

The company has made the repaying process as comfortable as it is possible. In some cases, the clients can use Interac e-Transfers to repay their payday loans.

Loan extension

There are no payday loans extension functions provided by the company. The credit terms are fixed and cannot be changed. That is why it is better to take cash advance only if you are sure to be able to pay it off in time.

Early repayment

The company provides an opportunity to repay the existing loan early. The customers can pay off cash advances within the first three days - there would be no additional fees and extra charges.

FAQ

How can I find out the remaining balance?

The best way to find out the remaining balance is to contact the customer support team by sending a request at the special form on the "Contact us" page on the official website.

It is worth mentioning that the balance can change every day, so it is not advisable to panic or to raise questions too early. It is also possible that the transaction could be in process, and it has not been confirmed by the bank yet.

The staff will inform the client about the remaining balance, and if the payment is in the process, they will also disclose that information.

What to do if the payment has failed?

In case the payment has failed, it is better to contact customer support service as soon as possible. The fastest way is to reach a specialist by sending a request at the special form on the "Contact us" page on the official website.

It is not a rare thing when payment failure happens on the side of the bank. In this case, it can take up to several hours for the transaction to be processed. If the client is able to prove that the payment has been suspended due to the bank delay, there will be no additional charges or fees applied.

Is it possible to arrange a loan restructuring?

The company does not provide the clients with an opportunity for a loan restructuring.

What to do if I missed the payment?

If you missed a payment, you are highly recommended to contact the collection department by calling the phone number is 1-833-422-1234 or texting an SMS to (647) 952-6644. The specialists will do their best to solve the problem and offer alternative options for the debt to be repaid.

Financial products

iCash
Payday loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
100$ - 1500$
Rate
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Effective interest rate on the product

15% - 23%
Term
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Loan term for the financial product

7 - 62 days

Calculate loan payments in iCash

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

iCash calculator
Interest rates are given in accordance with the rates of the bank in Ottawa as of 24.09.2022
Loan amount
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Enter the desired loan amount

CAD
CAD
100 $
1500 $
Loan term
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Specify the loan term for the calculation

days
months
7
62
Province

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

  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 iCash 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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