24/7 Canadian Approvals
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Interac e-Transfer funds delivered within 1 hour
Funds up to $3,000 CAD
A job loss, a medical bill or a separation can leave a mark on anyone’s credit. Your score does not define you. Get $300 to $3,000 based on your income today, whatever your credit history says.
Life happens. These situations are more common than you think, and none of them stop you from applying.
A layoff or reduced hours can make it impossible to keep up with every bill for a while.
Unexpected health costs can quickly drain savings and push accounts into arrears.
Splitting assets and covering two households often strains credit for years.
Large student loans can make it hard to build a healthy credit profile early on.
After a bankruptcy or consumer proposal, many banks refuse to lend for a long time.
Financial decisions made years ago can follow you long after your situation has improved.
Traditional lenders reduce you to a three-digit number. If it is too low, the conversation is over. We think that misses the point.
What matters to us is where you are today: a steady income and the ability to repay a manageable loan. We review your application without judgment and give you a fair chance to get the money you need — and to move forward.
Three easy steps. Your credit score never enters the equation.
Fill out the short online form with your income and banking details. No documents required.
We review your income and repayment ability and give you an answer within minutes.
e-Sign your agreement and get your money by Interac e-Transfer, usually within 1 hour.
None. We do not base our decision on your credit score, whether it is 300 or 800. Your current income and ability to repay are what count.
Yes. A past bankruptcy, consumer proposal or accounts in collections does not prevent you from applying. Applicants in an active bankruptcy, however, are not eligible.
We do not report on-time payments to the credit bureaus. That said, a short-term loan can help you avoid late or missed payments elsewhere, which protects your credit file.
No. Our loans carry the same fixed 18% APR for every approved borrower, regardless of credit history.
Between $300 and $3,000, depending on your income. First-time borrowers usually start with a smaller amount and can access more after repaying on time.
Your bills won’t wait until next week, and neither should you. Apply in about 2 minutes, get a decision in minutes and receive your funds by Interac e-Transfer — often within the hour.
SendMeCashToday is a loan connection service, not a direct lender. Loan amounts, rates, terms and availability vary by province and are set by the lender, subject to its approval. Not all applicants will qualify. Please borrow responsibly.
