MONEY, WHEN YOU NEED IT MOST

Put your mind at ease when unexpected expenses arise.

Fast And Flexible

Everyone’s financial challenges are a little unique to them. Including yours!

You can pay back your loan on your next payday in a single installment.

Or use our flexible repayment plan, though, allows you to pay 2 or 3 installments, of equal value. You have more time to repay, with no extra fees or interest charges.

Is that possible?

Yes, it’s true: 1, 2, or 3 payment installments all for the same interest charge!

Fast And Easy

Forget those line-ups down at the brick-and-mortar joint. You can apply for this loan from the comfort of your couch. Our advanced assessment tools instantly determine your eligibility. Once approved, just sign your electronic agreement and watch for your money.

Instant Payment

Once approved, you won’t have to watch long for your money. In just 5 minutes our e-transfer will have the funds in your bank account. My Online Cash automatically debits your bank account for your payment. No fuss. What could be easier and more painless than that?

Painless Repayment

We make it easy. With either the cash advance or more flexible payment plan you can repay in 1 to 62 days – depending on your pay cycle. Cash advance is one repayment, while the flexible plan allows 2 or 3 installments. The interest for each, though, is exactly the same.

Fast & User Friendly

Getting the fast cash loan, you need from My Online Cash is a better way to borrow because there's no paperwork, no faxing endless copies, only a fast and efficient online application. The entire lending process is automated and provides you with an answer at the end. Once approved, your money is instantly sent to your bank account.

Smart & Informed

We know that you want to be in control of your lending experience. Our agreements are clear. There’s no hidden fees. Our easy to use tools help you assess the full costs of any borrowing decision that you make. We help you be a smart and informed borrower.

Peace of Mind

Applying for a loan online requires sharing personal information. Protecting your security and privacy is absolutely essential to us. That’s why we use the industry’s state-of-the-art encryption technology and security protocols. All our online transactions are fully protected. All to provide you the peace of mind that you require and deserve.

1.

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.

2.

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.

3.

Receive money

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

Our eligibly requirements are basic.

My Online Cash The hassle-free loan option.

Required

Are a Canadian citizen or Perminate Resident.
Live in a province where we do business.
Are 19 years of age or more.
Received the same income source for at least 3 months.
Have at least a monthly net income of $800.
Are in possession of a Canadian bank account for the last 3 months from which you can do online banking.
Have valid email and home address, and a mobile phone.

Can I be approved quickly?

Once you’ve filled out your application, our decisions system, with its advanced algorithm, gives you a decision almost instantly.

Most of our customers have their money in the bank the same day. Once you’re approved and you sign your electronic agreement, our e-transfer system has the funds in your bank in 5 minutes.

Is there a borrowing limit?

Currently we offer loans between $100 and $1,500. These come with flexible repayment options. Our advanced algorithm helps us identify the loan amount that suits your financial circumstances best.

How Much Income do I Need?

Our minimum monthly requirement is an income of $800. A lot of sources, which you might not expect, though, can be counted toward this total. That includes child tax credits, ODSP benefits and pensions, among others. Include such income sources in the Employment Details of your application and we’re ready to go.

How about repayment?

We make repayment as easy as a dream. Once repayment day arrives, we will simply debit the amount stipulated in your loan agreement out of the same bank account into which we made the original loan. All you have to do is be sure there are sufficient funds to cover the repayment. Other than that, there’s nothing for you to worry about.

No Credit Check | High Approvals

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

APPLY NOW FOR INSTANT APPROVAL

We do things differently

My Online Cash is a provider of short-term loans to help Canadians get on with their lives, when financial uncertainty arises. We provide safe and quick access to the funds that really make a difference in people’s lives.

Our fast, easy, transparent and secure lending practices allow you to get your life back on track, when unexpected expenses arise. When you need some help getting over a current financial challenge, we’re there to help.

Bad credit isn’t a deal breaker

If you’re worried about having bad credit, don’t let that stop you. It’s not the only criteria. We’re much more interested in your ability to make your repayments.

Don’t worry about documents

It’s an easy, real-time, streamlined process. We’ve already got the necessary evaluation tools. We don’t need all those pieces of paper.

Your pre-approval is minutes away

Any time of day, any day of the year, our fully automated decision system is ready to help you identify the best loan option to meet your needs. There’s no stressful waiting for an answer. Every application is reviewed and answered in just minutes.

Transparent costs

We want you to make the best informed judgment for your situation. All our fees are fully transparent and explained. Plus, we’ll answer your questions and provide you the financial planning tools that you need to make the smart choice.

Payday Loans are high-cost loans. Loan amounts depend on net pay and other qualifying requirements.

British Columbia Residents: The maximum fee allowed for a Payday Loan in BC is 14% of the principal. We charge $14 per $100 borrowed. For example, a $300 loan over 14 days has a total borrowing cost of $42, requiring repayment of $342, with an APR of 365.00%

Manitoba Residents: The maximum allowable charge is 14% of the principal. We charge $14 per $100 loaned. Example: A $300 loan for 12 days costs $42 to borrow, with total repayment of $342 and an APR of 425.83%. Contact Manitoba Consumer Protection Office at 1-204-945-3800 or visit gov.mb.ca/cp/cpo.

Nova Scotia Residents: Cost of borrowing is $14.00 per $100 on a $300 loan for 14 days (365.00% APR).

Ontario Residents: Maximum cost is $14 per $100 borrowed. We charge $14 per $100. A $500 loan for 14 days costs $70 to borrow, with total repayment of $570 and an APR of 365.00%.

Saskatchewan Residents: Maximum cost is $14 per $100 borrowed. We charge $14 per $100. A $300 loan for 14 days costs $42 to borrow, with total repayment of $342 and an APR of 365.00%.