iCash Review 2026
Emergency borrowers who need small amounts fast with any credit score
Loan Amounts
Up to $1,500
Interest Rates
$14 per $100 borrowed (where applicable)
Loan Terms
Up to 62 days
Credit Required
No minimum credit score
Funding Speed
Same day (Interac e-Transfer)
Headquarters
Montreal, Quebec
What is iCash?
iCash is a Canadian online short-term lender available in seven provinces. They provide quick access to small loans up to $1,500, typically for emergency or unexpected expenses.
Their approval process uses a proprietary Trust Rating System rather than traditional credit score-based underwriting, making them accessible to borrowers with limited or poor credit history.
Funds are delivered via Interac e-Transfer on the same day as approval, and no documentation is required upfront.
Pros & Cons
Pros
- No minimum credit score requirement
- Same-day funding via Interac e-Transfer
- Simple online application — no documents needed upfront
- Trust Rating System rewards returning borrowers with higher limits
- Available in 7 Canadian provinces
Cons
- Maximum loan amount is only $1,500
- High cost of borrowing compared to traditional loans
- Short repayment terms (up to 62 days)
- Not available in all provinces
- Not suitable for long-term financial needs
Estimate Your iCash Payments
See what your monthly payments could look like with iCash's rate range of $14 per $100 borrowed (where applicable).
Try the Loan CalculatorWho Can Apply for iCash?
- Must be at least 18 years old and a Canadian resident
- Must have an active bank account with at least 3 months of history
- Must have a regular source of income (employment, benefits, etc.)
- Must reside in a province where iCash operates
How to Apply for a iCash Loan
Visit icash.ca and create an account
Complete the online application (takes about 5 minutes)
Receive an instant approval decision
Accept the loan terms and repayment schedule
Receive funds the same day via Interac e-Transfer
iCash FAQs
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