Your cash.Same day.No credit check.
Loans from $300 to $1,500. Apply online in about 2 minutes, get an instant decision, and receive your money the same day by free Interac e-Transfer.
Compare an instant loan or a cash advance in Canada.
No credit check. Maximum 28% APR, all service fees included.
Free Interac e-TransferSecure and confidentialSame-day deposit28% APR capReal clients.Real words.
Every quote is published verbatim from an Alter Cash client.
“I had no problem with them. They respond very quickly and everything with the transfer and payment went smoothly.”
“Very helpful and fast responding agent, get the money 4 hours after my application!”
Money in 3 steps.
From application to e-Transfer, everything happens online. No paperwork, no branch, no waiting room.
Apply online
Choose your amount and fill out a quick form, about 2 minutes, from anywhere.
Get an instant decision
Our automated process reviews your application right away, with no credit check.
Receive your money
Approved applications are funded the same day by free Interac e-Transfer.
Application, review,and transfer if approved.
The three parts of the process, with no hidden step in the middle.
- Apply
A short form.
About two minutes, whenever you need it, with no branch and no waiting room.
- 100% online, 24/7, anywhere in Canada
- No paperwork
- Secure and confidential
- Review
Your banking, not your score.
The automated process looks at your income and your banking history.
- 18 or older, Canadian bank account
- $1,200 or more a month by direct deposit
- Employed for at least 3 months
- Meeting these is what gets you reviewed, not approved
- Transfer
Interac e-Transfer,
and it is free.If approved, the funds go out by Interac e-Transfer with no transfer fee. A one-time $0.95 transaction fee applies when a loan is issued.
- Sent to a Canadian bank account
- Approved applications are funded the same day
- Repay early, in full or in part, with no penalty
Ready to start?Pick your amount.
No credit check. Maximum 28% APR, all service fees included.
Everything you need.Nothing you don't.
Built for one thing: getting you a small loan quickly, clearly, and without hoops.
No credit check.
Your credit score is not part of the decision. The process looks at your income and your banking history instead.
What is looked at
- Your income
- Your banking history
Not looked atCredit score
Same-day deposit
Approved applications are funded the same day by Interac e-Transfer.
100% online, 24/7
Apply from anywhere in Canada, around the clock, whenever you need it.
Repay early, free
Pay your loan back early, in full or in part, at any time, without any penalty.
When this is the right tool.And when it is not.
A short-term loan is a narrow instrument. Here is when it helps, and when it makes things worse.
Conditions where it fits
- The need is one-off and short-datedIt has an end date, and that date is close.
- You can carry the repaymentsWithout displacing rent, utilities or food.
- You have read the full cost firstMaximum 28% APR, all service fees included.
- You have checked the alternativesAn employer advance, a payment arrangement with the biller, or help from family may cost less.
Conditions where it does not
- The shortfall repeats every monthA short-term loan does not fix a structural gap, it postpones it.
- You would borrow to repay other creditStacking loans raises the total cost and the risk.
- It is for long-term planningThese loans are short-term instruments. They are the wrong shape for anything long.
- Repayment would need another loanIf the exit plan is more borrowing, there is no exit plan.
If a payment is going to be difficult, contact us before the due date. A returned payment costs $50.00.
Real people.Real answers.
The application is automated; the rest stays human. A real agent answers your questions and helps you find options if a payment ever becomes difficult.
No surprises.Ever.
Short-term money should come with long-term honesty. Here is the full cost and the eligibility rules.
Borrow responsibly. Our loans are short-term solutions, not long-term planning. Use them when no better option is available.
The cost ceilingAll service fees included.
28%APR max0%ceiling at 28%
- Annual percentage rate28% maximum
- One-time transaction fee when your loan is issued$0.95
- Interac e-TransferFree
- Returned payment (NSF)$50.00
Amounts and repaymentRepay early, in full or in part, without any penalty.
$300to $1,500- Early repayment, full or partialFree, anytime
- Repayment term and scheduleSet in your agreement
All fees are disclosed before you accept a loan.
EligibilityThese are the requirements to be reviewed, not a guarantee of approval.
$1,200min monthly- Are 18 or older
- Earn at least $1,200 per month, paid by direct deposit
- Are a Canadian citizen with a Canadian bank account
- Have been employed for at least 3 months
- Are not in a bankruptcy situation
- Have no frequent NSF payments in your account
Income we cannot fund
Self-employed income, child tax credit, retirement savings, student loans, social assistance, KOHO accounts, or the ODSP program.
Questions?Answered.
If the answer you need is not here, a real agent will give it to you.
Talk to a real person →Between $300 and $1,500, regardless of your credit history. Pick the amount that fits the situation, nothing more.
No. The decision is based on your income and banking history, not your credit score. A less-than-perfect score does not disqualify you.
The application takes about 2 minutes and the decision is instant. If approved, your money is sent the same day by free Interac e-Transfer.
You need to be 18 or older, a Canadian citizen with a Canadian bank account, employed for at least 3 months with $1,200 or more in monthly income paid by direct deposit. The full list is in the section above.
Yes. You can repay in full or in part at any time, without any penalty.
Once your current loan is repaid according to your agreement, you may be eligible to renew. Contact us for the options that apply to your situation.