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From application to e-Transfer, step by step

One short online application, a review by our team, and, if you are approved, the funds sent by Interac e-Transfer. Here is what happens at each step, what you need to qualify, and what each amount costs.

Apply nowExcellent4.8 out of 52,788 reviewsTrustpilot(opens in a new tab)

No credit check · Paperless · Quick decision when eligible

Rated by real clients
Excellent4.8 out of 5 · 2,788 reviews onTrustpilot
Starting your application…
Application
Personal loan
Full name
· · ·
Amount
· · ·
Submit
A few details, no paperwork.
Step 1 of 3 · Application

Four steps from request to deposit

You fill in one short application. We check your identity, confirm your income through your bank, and review your request. If you are approved, the funds are sent by Interac e-Transfer.

Your request: $750 over 14 weeks
01

Application

About 2 minutes, paperless, from your phone

02

Identity & IBV

Connect your bank to confirm your income

03

Review of your request

The amount depends on your confirmed income

04

Answer & deposit

If approved, sent by Interac e-Transfer

Key terms at a glance

$1,500

Maximum loan

120 days

Maximum term

28%

Maximum APR

Apply, repay, and know exactly what happens

Apply online. A short paperless form in two steps: who you are, then your income. You finish by connecting your bank for verification.
Repay at your own pace. Weekly or bi-weekly payments that line up with your pay cycle, on a schedule you agree to up front.
Eligibility in plain terms. We don't run a credit check. Here is what we look at, and what we don't.

Rates & terms

Straight answers, before you apply

Pick an amount and the repayment pace that fits your pay cycle. The payment updates as you adjust.

Repayment frequency

Every loan includes

No credit check required61-120 day termsPaperless application24/7 customer support
Your paymentExample
/ 2 weeks
Repayment schedule5 payments · 2½ months
Amount
$300
Term
2½ months
Maximum APR
28%

The $0.95 transaction fee is not included in the payments shown.

Apply for $300

Loan terms between 61 and 120 days. Maximum APR 28%. The $0.95 transaction fee is not included in the payments shown.

Representative example: borrow $300: total repayable $484.64, in 4 bi-weekly payments of $121.16 or 8 weekly payments of $60.53.

Why Express Cash

Help that treats you like a person

Getting the money is the easy part. What matters is how you are treated, from your first question to your last payment.

A man at a home desk by a window, looking at his laptop

No credit check

We don't contact a credit bureau when you apply. We confirm your income through bank verification instead.

A quick decision

If you're eligible, the decision is quick. Every request is reviewed before an offer is made.

Repay at your own pace

Weekly or bi-weekly payments, scheduled around your pay cycle.

A real person, when you need one

Write to us with a question and a real person answers. You get advice, not a sales script.

Your details stay yours

Everything is encrypted in transit and never sold to third parties.

Built for tight weeks

Short, defined terms between 61 and 120 days. Help that ends on a date you know.