Quick online payday loans in Canada Get up to $750 today

Get your fast and secure online payday loan in Canada

Fast payday loan approval

92% of customers receive an answer to their payday loan application within the hour when applying during business hours

No credit check payday loans

Enjoy fast and easy same-day deposit for approvals before 2 pm ET

Paperless online payday loans in Canada

Skip the tedious paperwork, skip the wait

Email money transfer

Fast loan deposit with our interac email money transfer technology. 90% of our customer receive the funds the same day after being approved

100% online loan process

Whether your a new or existing customer, captaincash is 100% online. We do not process loans at our corporate office.

Now opened 7/7

We pride ourself to our amazing customer service and analysis team opened 7/7 to help our customer across canada get their funds faster

Top canadian Lender

While our reputation proceed us, we are listed as a top lender with a permit to lend money across canada. Need money ? Contact us now.

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Loans asked questions

Most frequent questions and answers related to our loans

A payday loan can provide you with the money you need for unforeseen expenses or temporary cash flow issues before your next paycheque.

An online payday loan typically offers fast or instant approval and can provide fast cash for unexpected bills such as car or home repairs, medical expenses and more. In some instances, it can help you avoid late payment penalties or hits to your credit score.

You’ll repay the loan within a given time frame up to 120 days. Loans can be renewed if needed, but Captain Cash recommends a responsible use of payday loans, meaning you should only borrow no more than you need.

Short-term loan fees are higher than other lines of credit, but applications are quick and easy with no credit check, so it may be the right choice for you if other financial assistance is not available.

For additional information about payday loans, please consult the Financial Consumer Agency of Canada.

Not every situation is suited to a short-term loan. If it’s an option, we encourage you to seek a traditional loan through a bank – but if your credit score is not high enough to meet bank requirements or you don’t have the time to wait on an approved application, that’s where Captain Cash can help with ultra-quick approvals and same-day deposits (for approved applications received before 2 pm ET).

  • We’re fast and online: Apply from the comfort of your home and receive your cash quickly via e-transfer. 92% of customers receive an answer to their application within the hour when applying during business hours.
  • We’re secure: Captain Cash uses robust encryption to keep your personal information safe, and we never share with third parties.
  • We won’t check your credit: At Captain Cash, we approve loans for those whose low credit scores would have them denied by banks. 
  • We’re paperless: Thanks to e-signature and instant verification, there’s no need for tedious paperwork. 
  • We’re transparent: No hidden fees here – all Captain Cash payment terms are displayed clearly on our site and on your agreement.
  • We’re flexible: We make it as easy as possible to plan your payments so you’ll never be late. Opt for 3, 6 or 12 repayment installments and pay back your loan in up to 120 days.

We’re here to help, 7 days a week: Contact us for any concern and a member of our team will be happy to give you more information or assist you with your application.

In order to be eligible for payday loans in Canada through Captain Cash, we require that you:

  • Have a Canadian bank account (active for at least 3 months) in which you are paid by direct deposit from your employer
  • Have a stable job (for at least 3 months) and a monthly income of at least $1200, received by direct deposit or cheques from your employer
  • Have few or no non-sufficient fund transactions
  • Be 18 years or older
  • Not be considering bankruptcy or entering into a consumer proposal
  • Be a Canadian citizen residing in Ontario, PEI, British-Columbia or Alberta
  • Have a low short-term debt ratio (minimal other active short term or payday loans)

Captain Cash provides quick and secure loans with no credit check. By providing basic financial information, we’ll be able to approve your application as long as you meet the eligibility requirements – even if your credit score is too low to secure a traditional loan with a bank.

Captain Cash relies on Instant Banking Verification (IBV), a fast and secure process that allows us temporary viewing privileges to assess your financial situation via your bank statement. It involves the same level of security as your financial institution’s online platform, so you can rest assured that your information is safe and secure. 

At no point will Captain Cash have access to your bank account – we are simply given access to a read-only copy of your bank statement, which allows us to verify your identity and provide a quick response to your loan application. Your information is kept private and secure. Submit an application with Captain Cash and get your quick and easy loan today.

With Captain Cash, 92% of customers receive an answer to their application within the same hour (during business hours). Once approved, we provide convenient same-day deposits via e-transfer (if approved before 2 pm ET).

Our process is easy, secure and quick (generally under 5 minutes). Apply online or over the phone by calling 1-888-226-1026. Here’s what you’ll provide for your Captain Cash loan application:

  • Your full name, address and phone number 
  • Your Canadian social insurance number
  • Your revenue information, including frequency and next pay date
  • Your bank, account number and transit number
  • A safety contact who resides at a different address

The APR on the amount borrowed from the lender is 22%, with a transaction fee of $0.50. For example, a loan of $500 (including fees and interest) will result in a reimbursement of approximately $750.

Loyal customers can renew a loan after a grace period in order to give them time to complete a previous loan before the beginning of payment cycles of their new loan.

As stated in your Captain Cash loan contract, any missed payment will be postponed to the end of your contract and will result in a $45 fee. This will have no impact on your credit score.


To defer a payment, call us at 1-888-226-1026 at least 48 hours in advance. The deferred payment will be added to the end of your contract and will result in a $25 fee. Proper loan repayment demonstrates good will and allows for effortless loan renewals.

Please borrow responsibly. We offer a way to help you during difficult times. However, the interest rate is higher than the rate of local banks. These loans should only be taken out when you do not have other options for financial assistance,and you should be used as seldom as possible. 

Our company uses responsible collection practices. If you fail to make your payments, our collection agents may terminate your payment plan and use different methods to recover the money owed.

Terminated payments will accumulate interest on the outstanding balance of your loan. The borrower is responsible for all legal fees required to obtain the balance due. Any uncollected debts are prosecuted to the fullest extent of the law.

All applications are subject to a screening process in order to ensure that the borrower has sufficient income to repay the loan. This includes (but is not limited to): verifying that your monthly salary is sufficient to repay the loan requested; verifying that you do not have insufficient funds for expenses (for instance, an excessive amount of pre-authorized payments) which may result in repayment issues. If we deem your financial situation to be unconducive to loan repayment, your loan application will be denied.

Please borrow responsibly. Captain Cash offers quick loans with no credit check that should only be used when no other means of lower interest financial assistance is available. The interest rate for our loans is significantly higher than interest rates offered by banks. Taking on multiple short-term loans at the same time could result in serious debt and financial problems.

Please note that filling an application does not guarantee a loan approval. Make sure to read about our application process and eligibility guidelines attentively. Once your application is submitted, Captain Cash will verify your information and contact you with an answer as soon as possible, generally within 24 hours.

It is possible to take out a loan with Captain Cash without a surety if you agree to a credit check. Be advised that there will be a hard inquiry credit check and your credit score needs to be 700 or higher in order to be approved for a loan using this method. If your credit score is below that threshold, you will be refused a loan for any amount with Captain Cash and will no longer be eligible to borrow with a surety. We recommend checking your credit score before proceeding with this option – ask a Captain Cash employee about a soft credit check. Please note that Captain Cash still requires the standard eligibility criteria be met for your loan, so your application may be denied if you do not meet them (i.e. if you do not have regular income from a job).