Online loans in Canada — cash in your account today.
No credit check. No paperwork. Trusted by 50,000+ Canadians since 2015.
Get $500–$1,000 — funded the same business day. Repay over 90–150 days in installments that fit your schedule. Applying takes less than 5 minutes.
- No credit check
- Fast deposit
- 100% paperless
- Trustpilot 4.6 · 5,000+ reviews
How much do you need?
No credit check · No obligation · Approval subject to eligibility
Your cash in 3 simple steps
From applying to having money in your account in as little as a few hours. No branch visit, no paperwork, no credit check.
Apply in 5 minutes
Fill out our simple online form from any device — phone, tablet, or computer. We ask for basic personal and banking details. No documents to upload, no credit check, no branch visit required. Your information is encrypted and never shared.
- 100% online — no paperwork
- No hard credit inquiry
- Bank-level encryption
Get approved the same day
Our team reviews your income and banking history as part of our approval process — not your credit score. 92% of applicants receive a decision the same business day.
- Income-based review, not credit score
- Clear repayment terms upfront
- No obligation to accept
Money in your account
Upon approval, funds are deposited directly to your Canadian bank account. If approved before 2:30 PM ET on a business day, you can receive your money the same day. Faster funding options may be available depending on the method selected. Repayments are spread over 90–150 days and align with your pay schedule.
- Funds deposited to any Canadian bank
- Repay weekly, bi-weekly, or monthly
- APR 23% — full cost shown before you sign
Built for real Canadians
Since 2015, over 50,000 Canadians have turned to us for fast, flexible short-term loans — no branch visits, no traditional credit checks, and no lump-sum repayment stress.
No credit check
A difficult credit history should not stop you from getting help. We do not perform a traditional credit check. Instead, we review your income and banking activity to assess eligibility.
Applying will not affect your credit score. No hard inquiry is placed on your credit file.
Same-day funding
Funds are deposited directly into your Canadian bank account if approved before 2:30 PM ET. Alternative funding options may be available for faster access.
Bank-grade security
We use SSL encryption to protect every application. We are a direct lender — not a broker. Your personal and banking information is never sold or shared with third parties.
100% paperless
The entire process — application, review, and funding — happens online. Apply from your phone, tablet, or computer. No documents to scan, no fax, no in-person visit ever required.
Flexible repayment
Unlike payday loans that demand a lump-sum on your next paycheque, Captain Cash lets you repay over 90–150 days. Choose weekly, bi-weekly, or monthly installments to match your pay schedule. A $500 loan repays at approximately $750 total at 23% APR.
Regulated & accountable
Captain Cash is licensed to lend in 9 Canadian provinces and territories. We are a proud member of the Canadian Lenders Association (CLA) — a standard of responsible lending we take seriously. Approval is subject to eligibility and verification.
Proudly Canadian — real people, real support
Founded in Halifax, NS in 2015. Our 50-person team handles every application in-house. We are not a lead-generation broker — your information never leaves our hands. Reach us at 1-888-226-1026 on any business day.
Not a payday loan — a smarter alternative
Payday loans can be difficult to manage. A single lump-sum repayment on your next paycheque can be a stretch for many borrowers. Captain Cash is built differently, on purpose.
Repay everything at once
Your full balance is due on your next paycheque — often just 14 days away.
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Lump-sum due on next paydayFull amount owed in 14–31 days
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Can leave you short againMany borrowers re-borrow immediately
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Implied APR often 300–600%$15 per $100 = ~391% annualised
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No flexibility on timingMiss your due date, face steep fees
Repay at your pace
Spread repayment over 90–150 days. Smaller payments, less pressure on your budget.
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Repay over 90–150 daysWeekly, bi-weekly, or monthly installments
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Breaks the borrowing cycleSmaller payments fit within your budget
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23% APR — disclosed upfront$500 loan → ~$750 total repayment
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Deferral available48-hour notice, $25 fee — we work with you
Most Canadians qualify — check yours in seconds
We assess your application based on income and banking activity — not your credit score. Here is exactly what you need to apply.
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Be a Canadian resident, 18+Valid ID required at verification
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Earn at least $1,200/monthEmployment income for new clients. EI, CPP, or other regular income may be accepted for renewals.
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3+ months at your current jobOr consistent income for 3+ months
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Active bank account (3+ months)Any Canadian chequing account
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Not eligible if currently bankruptOr in an active consumer proposal
Not available in Quebec, Manitoba, or Saskatchewan.
Ready to find out if you qualify?
Applying is free. It takes 5 minutes. Your credit score will not be affected. You are under no obligation to accept any offer.
- Free to apply, no cost
- No credit check
- No obligation to accept
- Answer within same business day
What does it actually cost?
Adjust the sliders to see your exact repayment schedule before you apply. No surprises, no hidden fees.
What our customers say
50,000+ Canadians have trusted Captain Cash when they needed it most.
"I was funded the same day I applied. The process was so easy — everything was done from my phone. I was nervous at first but the team was professional and the money arrived within hours."
"Captain Cash has always been there for me when I am in a crunch. Fast, reliable, and the bi-weekly payments never put too much pressure on my budget. I have used them three times now."
"Applied on a Saturday, got my answer Monday morning. The no credit check part was huge for me — I was worried my score would be an issue. It was not. Money was in my account before noon."
Frequently asked questions
Everything you need to know before you apply. Answers based on real questions from Canadian borrowers.
No. Captain Cash does not perform a traditional credit check. We assess your application based on your income and banking activity — not your credit score. Applying will not place a hard inquiry on your credit file and will not affect your score.
If you are approved before 2:30 PM ET on a business day, funds are deposited the same day directly to your Canadian bank account. Applications received after 2:30 PM ET, on weekends, or on holidays are processed the next business day. Faster funding options may be available depending on the method selected.
Our APR is 23%. As a representative example: a $500 loan repays approximately $750 in total over 90–150 days. An NSF fee of $45 applies for failed payments. A deferral fee of $25 applies with 48 hours' notice. Full costs are disclosed before you sign — no surprises.
Contact us at least 48 hours before your scheduled payment date to request a deferral. A fee of $25 applies. If a payment fails, an NSF fee of $45 is charged. We are a direct lender — not a broker — so you deal with our team directly at 1-888-226-1026.
Yes. You can repay your Captain Cash loan early at any time with no prepayment penalty. Paying early reduces the total cost of borrowing because interest accrues daily on the outstanding balance.
Captain Cash is licensed in Ontario, British Columbia, Alberta, Nova Scotia, New Brunswick, PEI, Newfoundland, Nunavut, and the Northwest Territories. We are not currently available in Quebec, Manitoba, or Saskatchewan.
Captain Cash offers installment loans from $500 to $1,000. The amount you are approved for depends on your income, employment history, and banking activity. Your offer is confirmed before you sign — there is no obligation to accept.
Yes. Bad credit or no credit history does not disqualify you. We review your income and bank account activity instead. You need at least $1,200 per month in income, 3 months of employment, and an active Canadian bank account that is at least 3 months old.
Yes. All applications are protected by SSL encryption. We are a direct lender — your personal and banking information is never sold or shared with third parties or brokers. Your data stays with our team from start to finish.
Yes. Customers in good standing may qualify to renew their loan once it is repaid. Returning customers often benefit from a faster review process. Visit the renew page or call 1-888-226-1026 to find out if you are eligible for a renewal.
