Here are answers to the questions you ask most often

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Frequently Asked Questions

Some things you want to know

1. What does My Online Cash do?
What does My Online Cash do?

My Online Cash provides online payday loans to Canadian customers. Our payday loans are designed to solve temporary cash-flow needs.

2. How do I apply for a loan from you?
3. How fast can I get a payday loan?
4. What will I need to provide to get a My Online Cash payday loan?
5. Do I need to be have a job?
6. Can I get a loan if I do not own my own home?
7. Do you need any personal information from me?
8. Do you do a credit check?
9. I have bad credit. Is that a problem?
10. Do I have to explain why I want a loan?
11. How much interest do I have to pay for a loan?
12. When do I need to pay back my loan?
13. If I take out a loan, how soon can I borrow again?
14. How do I send the money to pay back my loan?
15. What happens if I can't repay my loan?
16. Is your service impacted by public holidays and weekends?
17. What if I'm unhappy with My Online Cash's service?
18. Do you have any retail Payday Loan stores?
19. So how do I apply?
20. As a new customer, how much can I borrow the first time?
21. What is the maximum I can borrow, if I've borrowed from you before and always repaid?
22. Can I come to your office to get a payday loan?
If you do not find the answer to your question listed within our FAQ's, you can always contact us directly at


Apply immediately

Getting a loan has never been easier – or faster. We’ll need some personal background info, then just choose your loan amount and repayment plan. Then you’re good to go.


Know immediately

There’s no fuss in the process. You’ll be immediately informed if you qualify. All that is left is to sign your electronic contract.


Receive money

Any time, day or night, your loan will be e-transferred to you in just 5 minutes!

No Credit Check | High Approvals

Get Up To $1,500 From a Safe Trusted Licensed Lender. Easy Application. Multiple repayments, FAST e-Transfer.

Maximum charges permitted in Alberta for payday loan: 15% of the principal. We charge: 15% of the principal. For a $300 loan for 14 days: Total cost for borrowing = $45 Annual Percentage rate = 391.07%

My Online Cash, proudly canadian owned and operated, offers personalized payday loans and fast cash advances to thousands of Canadians in British Columbia (Vancouver, Surrey , Burnaby and others), in Alberta ( Calgary , Edmonton , Lethbridge , Red Deer , Wood Buffalo , Medicine Hat , Airdrie , and others), in Saskatchewan ( Saskatoon , Regina and others), in Ontario ( Payday Loans Toronto , Ottawa , Mississauga , Brampton , Hamilton , Markham , Niagara Falls and others), in Nova Scotia ( Halifax , Cape Breton , Dartmouth , Truro , Sydney and others) as well as in Manitoba ( Winnipeg , Dauphin , Morden , Portage La Prairie , Selkirk , The Pas , Winkler , Brandon , Steinbach , Thompson and others). Easy online payday loans in Canada, Same day fast cash Ontario, Online loans British Columbia, Get cash money in Alberta, Payday loan Saskatchewan.