How can we help you?

Yes. Captain Cash does not perform a traditional credit check. We assess your application based on your income and banking history — not your credit score. Applying will not place a hard inquiry on your credit file and will not affect your score.

You must be a Canadian resident aged 18+, earn at least $1,200/month by direct deposit, have 3+ months of stable employment, hold an active Canadian bank account (3+ months), have few or no NSF transactions, not be bankrupt or in a consumer proposal, and reside in a served province.

The following are not accepted for new applications: social assistance, student loans, child tax benefit, CPP, private pensions, disability income, and other insurance income. Employment Insurance (EI), other insurance, CPP, or private pensions may be accepted for renewals. Certain conditions apply.

We are licensed in Ontario, British Columbia, Alberta, Nova Scotia, New Brunswick, PEI, Newfoundland & Labrador, Nunavut, and the Northwest Territories. We are not currently available in Quebec, Manitoba, or Saskatchewan.

Our application is 100% online — no documents to scan, fax, or mail. We use instant bank verification (read-only access to your statement) and an e-signature platform. The entire process is completed from any device in minutes.

Yes. Your application must include at least one valid phone number registered in your name. This is used to verify your application and communicate your decision.

Our APR is 23%. A $500 loan repays approximately $750 total over 90–150 days. A $1,000 loan repays approximately $1,500. The full repayment schedule and total cost are shown in your agreement before you sign — no surprises.

NSF fee: $45 if a payment fails. Deferral fee: $25 with 48 hours notice. Application fee: free. Early repayment penalty: none. All fees are disclosed in your loan agreement before you sign.

Repayments are collected automatically from the bank account you provided, on dates that align with your pay schedule — weekly, bi-weekly, or monthly. The full schedule is shown before you sign.

Yes — with no prepayment penalty. Your first scheduled payment must still be processed as originally planned. After that, you can repay partially or in full at any time. Contact us at least 48 hours in advance to arrange it.

Call us at 1-888-226-1026 or email [email protected] at least 48 hours before your next payment. You can also visit our online payment page for instructions.

You may repay your loan in full at any time with no prepayment penalty. Because interest accrues daily on the outstanding balance, paying early will reduce the total amount owing. Your first scheduled payment must still be processed as originally planned, and we ask that you contact us at least 48 hours before your next payment is due.

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. Applications submitted on weekends or on holidays are processed the next business day.

Funds are deposited into the Canadian bank account you provide. Faster funding options may be available depending on the method selected. Interac e-Transfer deposits are available for returning clients.

Monday–Friday, 8:00 AM–5:00 PM ET (5:30 AM–2:30 PM PT). Applications submitted outside these hours are reviewed the next business day.

In some cases, yes. Pay stubs confirm past employment but not current status. Our team may contact your employer discreetly to verify you are currently employed — this is a standard part of the verification process.

No. We accept photos, screenshots, and scans uploaded directly. We cannot access documents shared via Dropbox, Google Drive, iCloud, or similar platforms. Please upload files directly through the application.

Interac e-Transfers expire after 7 days. If a transfer expires before being deposited, please contact our team at 1-888-226-1026 and we will review your file. If you have not received your notification email, please check your spam or junk folder.

Contact us at least 48 hours before your payment date. A $25 fee applies and replaces your original payment. The first and last payments cannot be deferred. Deferrals are unavailable if your previous payment was returned or you recently deferred another.

A $45 NSF fee is charged if a payment cannot be processed. To avoid this, contact us before your payment date if you anticipate an issue — proactive communication always helps.

Yes. Customers in good standing after full repayment may qualify for a renewal. Visit the renew page or call 1-888-226-1026 to check your eligibility.

Yes. After successfully repaying your first loan, Employment Insurance and other insurance income are accepted for renewals. You'll need to provide an EI claim or insurance document confirming your coverage.

You can reach our team by phone at 1-888-226-1026 or by email at [email protected]. We are available Monday–Friday, 8:00 AM–5:00 PM ET. For payment changes, contact us at least 48 hours before your scheduled date.

Once your final payment is processed, your loan is considered fully repaid. At that point, you may be eligible to apply for a renewal. We recommend reviewing your finances before renewing to ensure it remains the right choice for your situation.

Absolutely not. We never see your username or password, and we have no ability to log in to your account. The bank verification system provides read-only access to your statement only. Your credentials are never stored or accessible by our team.

Yes. All data is protected by SSL encryption. We are a direct lender — not a broker — so your information is never sold or shared with third-party advertisers or lead generators.

We use industry-standard instant bank verification (IBV) — a secure, read-only view of your recent bank statement to verify income and account activity. It cannot move, withdraw, or access your funds in any way.

Your loan agreement is signed via a secure e-signature platform. E-signatures are legally binding in Canada under the Electronic Commerce Act and equivalent provincial legislation — no printing or mailing required.

Captain Cash is a direct lender. We review, approve, and fund all loans in-house. Your application and personal information are never sold or shared with third-party lenders, brokers, or advertisers. You deal with our team from start to finish.

Captain Cash is headquartered at 1701 Hollis Street W., Suite 800, Halifax, NS B3J 2T9. We are a division of Opal Financial and have been operating since January 2015. We are a member of the Canadian Lenders Association (CLA) and are provincially licensed in all provinces and territories we serve.